Will linking SSN with checking account help build up credit score?

I have doubts about whether checking account record is gonna be helpful to build up a credit score or not, compared to a secured credit card.

There is a new FICO score available called UltraFICO

How Does UltraFICO™ Work?

The UltraFICO™ Score began a pilot program in 2019 under a partnership between FICO®, Experian and Finicity. The credit scoring model adds a new dimension to the process of determining credit risk: how you manage your money.

With the UltraFICO™ Score, you grant permission for Finicity to review data from your checking, savings and money market accounts if you've applied for a loan and been denied.

Factors include:

• How long your accounts have been open
• The frequency and recency of your bank account transactions
• Evidence of cash on hand
• A history of positive account balances

FICO® then takes this information, along with your Experian credit file, to provide you with your UltraFICO™ Score.

In other words, the UltraFICO™ Score builds on the foundation of the base FICO® Score☉ —including factors like your payment history, how much you owe, your length of credit history, credit mix and recent inquiries—then it adds data from your bank accounts to provide a more well-rounded view of your financial behavior.

So yes, if your bank feeds your banking info into this newer product, and somebody pulling your report uses this new service, then your banking history can impact your credit score.