Not the OP, but having it on his record likely refers to his credit record, maintained by private agencies, not a conviction record.

Probably ChexSystems. Kinda like a credit report, governed by the same laws, but distinct from the big three bureaus everyone is familiar with. All the banks use them. And anything negative on that report will prevent you from opening up an account somewhere else until you get it removed.

As mentioned in replies, I was flagged in ChexSystem for check fraud.