Schneiderman’s office said the requirements previously in place often hurt low-income applicants and forced them to turn to high-cost alternative financial services, the newspaper reported. The new rules, scheduled to begin March 15, will change how Citibank uses information from ChexSystems, a database that provides data on how consumers handle deposit accounts at banks. A consumer’s ChexSystems report typically contains banking irregularities such as check overdrafts, unsatisfied balances, depositing fraudulent checks, or suspicious account handling.