Having too many bank accounts, especially checking, and credit cards will certainly affect your credit score, but I am not sure how far it will go.
One thing I am certain is you may have a comment like "too many account inquiries" on your credit report, which may or may not affect your lending options depends on your lender(s). I was once told that if you open a bank account and close it within 2 months, or 3, I forgot, that it will leave a mark for early termination. This probably will not hurt you big time, but for some picky banks like Wells Fargo used to be, they may not let you open accounts with them if they see such comments on your credit report.
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