The answer is no. Bankruptcy puts the debtor into federal protection and out of jurisdiction of any collection type action against the person. If someone was put into chex systems while in bankruptcy it should be voided.
When you file for bankruptcy, all your assets are revealed to the trustee and basically frozen. No, a creditor probably won't put a hold on your savings account after you file but they can until your bankruptcy is discharged. Usually a letter from your attorney saying you have filed bankruptcy will stop this action.
A bank can still report to check systems, but they can NOT report a balance. If you included the account on your bankruptcy, they must change they amount owed to a zero balance. They can put a note saying it was in a bankruptcy though. I should think so. While you are protected from certain actions creditors may have been otherwise been able to take to collect the debt, Bankruptcy doesn't mean your actions are unreportable or your not responsible for them. (If anything, just the opposite, almost everything becomes of record, and you are responsible to do certain things or lose the protections granted). Nor does BK change the reporting record of things that already happened...the history you make is the one you live with.
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