Doe it affect your credit rating if you do not have a checking account?

I have a checking account and savings account, and have really been thinking about closing the checking. The overdraft fees can really kill ya! I have all of my big bills drafted from the savings anyway. I would just have to pay cash for food, gas, and daycare.

Doe it affect your credit rating if you do not have a checking account?
I have been told that yes to keep it open. It will show stability and if you watch what you write then you would not have any overdraft fees. Worse case is to find a free and use that one. Free I mean the kind that will not charge you if you have an autodeposit for that bank.
Reply:No, not having a checking account will not affect your credit rating but it will affect your chances of getting credit though compaines. Many look to see if you have a check and/or a savings account. I would keep one open and keep something in there even if you don't use it.
Reply:Checking accounts do not affect your credit rattings at all.
Reply:None whatsoever.
Reply:Technically it does not effect your credit score. But it makes a lender form an opinion which may not help you. If you are on the fence of getting approved or turned down for a loan the fact you have a checking account in good standing may make the difference.

lilac