What can prevent a person from getting bonded as an employee at a beank or credit union

Bonded ? All bank/credit union employees are required by the Fed Govt to be bonded for dishonest acts by one blanket fidelity bond purchased by the bank/cu that covers dishonest acts of employees... I do not believe it's possible to exclude only one or just a few employees... cause that's the reason a blanket bond is bought... to cover all... either you are "acceptable" as an employee or not... either you pass any background cks the financial institution requires or not... so either you are hired or you or not... if you are then you are covered.

To be hired there is normally very specific rules, such as criminal history, credit history and the such. The bank can give you their specific rules.

FDIC Section 19 covers the regulations regarding background checks of financial institution employees.

The biggest think that banks look for on applicants records are arrest and convictions of crimes of dishonesty.