Recently, I was away so I used an ATM for another bank and it took the money out of a different account than the one I had intended. I had already written a check out of this account, and the withdrawal lowered my balance to below the amount the check was for. As a result, the check was not allowed to go through. It was just to my doctor and I’ve already sent a new check. Is banking tied to your credit score? Will this go on my “permanent record”? I’m concerned because I’m 21 and, although my credit is spotless, it is all credit cards and student loans, so one goof might have more of an effect for me than for somebody more established.