Banks are usually unable to directly inquire about the online loan arrears without overdue records and credit information. This is because the data of online lending platforms and banks are not shared, unless you actively provide relevant information or online lending companies report loan information to banks. The following is a detailed explanation:

1. Data isolation: Banks and online lending companies belong to different financial institutions, and there is data isolation. Banks cannot directly access or query the loan records of online lending platforms.

2. Information sharing restrictions: There is no mandatory information sharing mechanism between banks and online lending platforms, and banks cannot automatically obtain relevant information about online lending arrears.

3. Limitations of credit information system: Credit information system is mainly used to record personal credit status. Only when the loan arrears are reported to the credit reporting agency can the bank understand the relevant situation by querying the credit reporting report.

Summary:

If your online loan arrears are not overdue and have not been reported to the credit reporting agency, banks usually cannot directly inquire about online loan records. However, please note that if you provide relevant information when applying for a bank loan, the bank may ask you to provide more information or investigate your credit status. In addition, although banks cannot directly obtain online loan records at present, the trend of regulatory policies and financial data sharing may affect the future situation.