How can you get bad credit from a bank account?

My mom was telling me that anyone listed in the account will suffer from bad credit even if the account is being used by one person ... How is it possible to have bad credit form a bank account and is what my mom told me true?

its not bad credit ..in a way .. it gets reported to chex systems and it stays on there for years .. even if the amt owed is paid off .. so youll still get loans for cars or houses but most banks wont let you open an account with them if you have check systems on your report.

It stays on Chex Systems for 5 years and you can not get an account at another bank until you pay it off or the 5 years passes, which ever comes first.