Early Warning Services (EWS) is a consumer reporting agency owned by several of the nation’s largest banks, including Bank of America, Wells Fargo, JPMorgan Chase, and Capital One. EWS specializes in deposit account screening and fraud prevention. When you apply for a new checking or savings account, many banks pull your EWS report to assess your risk level.

While EWS does not create traditional credit scores like FICO or VantageScore, it tracks data that can directly impact your ability to open or maintain deposit accounts. An EWS report may contain information about:

• Suspected or confirmed fraud activity

• Checking or savings account closures

• Excessive overdrafts or unpaid balances

• Identity verification flags

For consumers rebuilding credit, a negative EWS record can block access to new banking relationships, making financial recovery more difficult. Cleaning up your EWS report is often part of a comprehensive credit repair strategy.