A bad bank is a bank created to specialize in the ownership of defaulted loans and their collection.

One can get a bad reputation with their bank if they have financial problems or debts. A bad reputation makes it hard to get loans or mortgages, or even a credit card.

If bank 1 and bank 2 sensor bad car won't start

One generally doesn't receive bad credit for getting a bank loan. A bank loan can be denied though, if one has bad credit. Bad credit can occur if one does not pay credit card bills on time.

You may be able to get a student bank account with bad credit if you have a co signer. Most student bank accounts require a co signer anyway.