Poor account management at home bank, application at another bank?

Otherwise, just talk to your bank. You have a right to know what happens with your data and to whom it is passed on, and if you have doubts, just ask. For me, it sounds like even if you switch now, you will continue to have (in my opinion completely unfounded) fear. Apparently, it doesn’t matter what we say here. So the very best thing you can probably do now is to get the information from those who really have your data. Make an appointment for a consultation, discuss your fears and your future plans with them, and then decide for yourself.

Hello Kati, thank you very much for your encouraging words!
This is probably a story that can hopefully calm me down a bit. I have been researching for days and searching everywhere for answers in forums etc.
I am probably very skeptical when it comes to data protection and don’t really believe that my data is safe. I am just so ashamed of all these dubious account transactions that have so little to do with my otherwise somewhat successful life...
But I think I should just try to calm down a bit since I can’t change it now anyway. I am still considering changing banks even though everyone has told me so far that it would be unnecessary. You have to feel comfortable somehow.

I must say your story cheered me up a little :D Did they then give you a Schufa entry because of the few bucks you owed the bank?

I am just so ashamed of all these dubious account movements that have so little to do with my otherwise somewhat successful life...

Just be proud of the fun you had gaming. That chapter is now closed, moving on and you don't need to do anything. Thus, you can also mentally count the time as a success and sleep peacefully again.

I have to say your story amused me a bit :D Did they then give you a Schufa entry because of the few bucks you owed the bank?

I don't think so. If at all, it was no longer there when I first checked the Schufa out of curiosity. They don't store things forever either, so I couldn't swear there was none (?).

But for something like a simple returned direct debit, there is no Schufa entry. At least I've never heard of that. That can happen to anyone when a payment overlaps or something similar. Schufa would have a lot to do if they wanted to record all that. Recently there was a total failure at DKB, where bookings from early October were simply executed again in early November. That was quite a mess, and some people ended up in the red and there were returned direct debits etc. (through no fault of their own).
In general, I think you have to miss a few deadlines before something really ends up in the Schufa. For example, if you don’t pay a bill, you usually first get a reminder, then dunning notices, and eventually debt collection. And if you still ignore debt collection, then eventually it ends up at Schufa, I think.
During my student days, I once ignored a contact lens bill until debt collection, but apart from my €30 bill then unnecessarily costing €90, nothing else happened. To my knowledge, even that never appeared in the Schufa.

Best regards