One of the main limits to signing up for bank account bonuses is the fact that they usually pull your ChexSystems report, this is similar to your credit report that is maintained by Experian/Equifax/TransUnion but tracks deposit accounts instead. Some banks & credit unions won’t allow you to open an account if you have too many new accounts on your Chexsystems report, but not all financial institutions look at your ChexSystems report and these won’t show up. I thought it would be useful to have a dedicated page to this.
The easiest way to find out what financial institutions do/don’t pull your ChexSystems is by requesting a free copy of your report and then comparing that to the accounts you’ve signed up for recently. If you do this, please share your results in the comments.
Contents
- 1 Banks & Credit Unions That Do Pull Your ChexSystems
- 1.1 1st Source
- 1.2 1st United
- 1.3 Abound FCU
- 1.4 Achieva Credit Union
- 1.5 Affinity Credit Union
- 1.6 Air Academy Credit Union
- 1.7 Alden Credit Union
- 1.8 All America Bank
- 1.9 Alliant
- 1.10 Ally
- 1.11 Amalgamated
- 1.12 Amerant Bank
- 1.13 American Eagle
- 1.14 Andigo Bank
- 1.15 Andrews Federal Credit Union
- 1.16 Arizona Central Credit Union
- 1.17 Arkansas Federal Credit Union
- 1.18 Arvest
- 1.19 Astoria
- 1.20 Atlantic Credit Union
- 1.21 Avidia Bank
- 1.22 Axos Bank
- 1.23 Bancorp South
- 1.24 Bank of Maine
- 1.25 Bank Of The West
- 1.26 BankMutual
- 1.27 Bank OZK
- 1.28 BB&T
- 1.29 Bethpage
- 1.30 BMO Harris
- 1.31 Bank of Colorado
- 1.32 Bank of Denver
- 1.33 Bank of the West
- 1.34 BankPurely
- 1.35 BECU
- 1.36 Blue Federal Credit Union
- 1.37 Blue Foundry Bank
- 1.38 Blue Hills Bank
- 1.39 BluPeak
- 1.40 BrightStar Credit Union
- 1.41 Brio Direct
- 1.42 Busey Bank
- 1.43 Byline Bank
- 1.44 Cambridge Savings Bank
- 1.45 Camden National Bank
- 1.46 Carver Federal Savings Bank
- 1.47 CBT Bank
- 1.48 CEFCU
- 1.49 Centennial Bank & Trust
- 1.50 Centier Bank
- 1.51 Central Bank of Oklahoma
- 1.52 Central Bank of the West
- 1.53 Century Bank
- 1.54 Chartway Federal Credit Union
- 1.55 Chemical
- 1.56 Chesapeake Bank
- 1.57 Christian Community Credit Union (CCCU)
- 1.58 CIBC
- 1.59 CIBM Bank
- 1.60 CIT Bank
- 1.61 Citi
- 1.62 City National Bank
- 1.63 Citywide
- 1.64 Clearview Credit Union
- 1.65 Clinton Savings Bank
- 1.66 Columbia Bank (NJ)
- 1.67 Columbia Bank (MD)
- 1.68 Comerica Bank
- 1.69 Commerce Bank
- 1.70 Costumers Bank
- 1.71 Country Bank For Savings
- 1.72 Credit Union Of Colorado
- 1.73 Customers Bank
- 1.74 Dedham Savings Bank
- 1.75 Digital Federal Credit Union (DCU)
- 1.76 Dollar Bank
- 1.77 Dollar Savings Direct
- 1.78 Eagle Federal Credit Union
- 1.79 East Boston Savings Bank
- 1.80 Eastern Bank
- 1.81 Eastman Savings Bank
- 1.82 Elements Financial
- 1.83 Elevations Credit Union
- 1.84 ENT Credit Union
- 1.85 Essex Bank
- 1.86 Liberty Federal Credit Union (Evansville Teachers Federal Credit Union)
- 1.87 Excite Credit Union
- 1.88 Fairwinds Credit Union
- 1.89 Fidelity Bank (PA)
- 1.90 Fidelity Bank (MA/Online)
- 1.91 Fidelity (Cash Management)
- 1.92 Fidelity
- 1.93 Financial Builders Credit Union
- 1.94 Fifth Third
- 1.95 First Advantage Bank
- 1.96 First American Bank
- 1.97 FirstBank
- 1.98 First Bank Financial Center
- 1.99 First Bank & Trust
- 1.100 First Citizens Bank
- 1.101 First Class Community Credit Union
- 1.102 First Commerce Credit Union
- 1.103 First Commonwealth Federal Credit Union
- 1.104 First Federal Of Lakewood
- 1.105 First Financial Bank
- 1.106 First Financial Credit Union
- 1.107 First Horizon Bank
- 1.108 First Merchants Bank
- 1.109 First Midwest Bank
- 1.110 First National Bank
- 1.111 First National Bank of Long Island
- 1.112 First National bank of Omaha (FNBO)
- 1.113 First National Bank of PA
- 1.114 First National Bank & Trust (WI)
- 1.115 First National Bank of Waterloo
- 1.116 First Niagara
- 1.117 First Republic Bank
- 1.118 First Tech Federal Credit Union
- 1.119 First Tennessee
- 1.120 First Trade Union Bank
- 1.121 Fitsimons Credit Union
- 1.122 Five Star Bank
- 1.123 Flushing Bank
- 1.124 Florida Community Bank
- 1.125 Forcht Bank
- 1.126 Fulton Bank
- 1.127 Gateway First Bank
- 1.128 Goldman Sachs Bank
- 1.129 Great River Federal Credit Union
- 1.130 Grow Financial Credit Union
- 1.131 GTE Financial Credit Union
- 1.132 Gulf Coast Bank & Trust
- 1.133 Hanscom Federal Credit Union
- 1.134 HarborOne Bank
- 1.135 HarborStone Credit Union
- 1.136 Healthcare Associates Credit Union
- 1.137 Home Federal Bank Tennessee
- 1.138 Home Savings Bank
- 1.139 HomeStreet Bank
- 1.140 Hometown Community Banks
- 1.141 HomeTrust Bank
- 1.142 Hudson Valley
- 1.143 Iberia Bank
- 1.144 Ideal Credit Union
- 1.145 Investors Bank
- 1.146 Jovia
- 1.147 Justice Federal Credit Union
- 1.148 KeyBank
- 1.149 Keypoint
- 1.150 Lakeland Bank
- 1.151 Lake Shore Savings
- 1.152 LBS Financial Credit Union
- 1.153 Leader Bank
- 1.154 LegacyTexas Bank
- 1.155 Liberty Bank For Savings
- 1.156 Lyons National Bank
- 1.157 Macatawa
- 1.158 Marquette Bank
- 1.159 Memory Bank
- 1.160 Middlesex Federal Credit Union
- 1.161 MidFirst Bank (Monifi)
- 1.162 Midland States Bank
- 1.163 Mission Federal Credit Union
- 1.164 MoneyLion
- 1.165 Monona Bank
- 1.166 Mountain America Credit Union
- 1.167 My Banking Direct
- 1.168 Nationwide Bank
- 1.169 NBKC Bank
- 1.170 Neighborhood Credit Union
- 1.171 Nevada State Bank
- 1.172 Newtek Bank
- 1.173 Newtown Savings Bank
- 1.174 NJCU FCU
- 1.175 NWFCU
- 1.176 North Easton Savings Bank
- 1.177 Northern Bank Direct
- 1.178 Northfield Bank
- 1.179 Northpointe Bank
- 1.180 Northstate Bank
- 1.181 Northwest Bank
- 1.182 Northwest Federal Credit Union
- 1.183 NRLFCU
- 1.184 NuVision Federal Credit Union
- 1.185 OceanFirst
- 1.186 Old National Bank
- 1.187 Old Second Bank
- 1.188 OneWest Bank
- 1.189 Onpoint Community Credit Union
- 1.190 Orange County Credit Union
- 1.191 Orion Federal Credit Union
- 1.192 PayPal
- 1.193 Parkside Credit Union
- 1.194 Pathways Financial Credit Union
- 1.195 Penn Community Bank
- 1.196 Peoples Bank
- 1.197 People’s United Bank
- 1.198 Picatinny Federal Credit Union
- 1.199 Pinnacle Bank
- 1.200 Popular Community Bank
- 1.201 Porte Bank
- 1.202 Power Financial Credit Union
- 1.203 Premier Bank
- 1.204 Premier Member Credit Union
- 1.205 Presidential Bank
- 1.206 Primis
- 1.207 Provident Credit Union
- 1.208 PSECU
- 1.209 Quontic Bank
- 1.210 Quorum
- 1.211 RBFCU
- 1.212 Redstone Federal Credit Union
- 1.213 Republic Bank
- 1.214 Rockland Trust Bank
- 1.215 Salem Five Bank
- 1.216 Sandy Spring Bank
- 1.217 Santander
- 1.218 Scient Federal Credit Union
- 1.219 Seacoast National
- 1.220 Security Bank of Crawford
- 1.221 SENB Bank
- 1.222 Service Credit Union
- 1.223 Service Federal Credit Union
- 1.224 SkyOne
- 1.225 SmartBank
- 1.226 Southern Bank & Trust
- 1.227 Southland Credit Union
- 1.228 S&T Bank
- 1.229 Stanford Credit Union
- 1.230 Star One
- 1.231 State Bank of India
- 1.232 State Department Federal Credit Union
- 1.233 State Farm Bank
- 1.234 Sterling National Bank
- 1.235 Stoneham Bank
- 1.236 South State Bank
- 1.237 Sun East Federal Credit Union
- 1.238 Sunflower Bank
- 1.239 Susser Bank
- 1.240 Synchrony
- 1.241 TDECU
- 1.242 Teachers Credit Union
- 1.243 Teachers Federal Credit Union
- 1.244 Tech CU
- 1.245 Telhio Credit Union
- 1.246 The State Bank Group (IL)
- 1.247 Three Rivers Credit Union
- 1.248 Thrivent Federal Credit Union
- 1.249 TIAA
- 1.250 T-Mobile Money
- 1.251 Town and Country Bank
- 1.252 Truist
- 1.253 Truliant
- 1.254 Trustco Bank
- 1.255 TTCU Federal Credit Union
- 1.256 UFB Direct
- 1.257 Umass Five Federal Credit Union
- 1.258 UMB Bank
- 1.259 Unify
- 1.260 UnionBank
- 1.261 Union Bank & Trust
- 1.262 United Community Bank
- 1.263 Unitus Community Credit Union
- 1.264 University First Federal Credit Union
- 1.265 Univest
- 1.266 U of I Community Credit Union
- 1.267 US Alliance
- 1.268 US Century
- 1.269 USE Credit Union
- 1.270 Utah First
- 1.271 Webster Bank
- 1.272 Wesbanco
- 1.273 Wescom
- 1.274 Westfield Bank
- 1.275 Wings Financial Credit Union
- 1.276 Wisconsin Bank & Trust
- 1.277 WyHy FCU
- 1.278 VantageWest
- 1.279 Visions Federal Credit Union
- 1.280 VyStar Credit Union
- 1.281 Xceed Financial Credit Union
- 2 Banks & Credit Unions That Don’t Pull Your ChexSystems
- 2.1 Academy Bank
- 2.2 ACNB
- 2.3 Addition Financial
- 2.4 Albert Bank
- 2.5 American Express High Yield Savings
- 2.6 Arizona Financial Credit Union
- 2.7 Armed Forces Bank
- 2.8 Ashland Credit Union
- 2.9 Aspiration
- 2.10 Atmos Financial
- 2.11 Bank of America
- 2.12 BankESB
- 2.13 Bank of Missouri
- 2.14 BBVA Compass
- 2.15 Central Minnesota Credit Union
- 2.16 CFG Bank
- 2.17 Chase
- 2.18 Cheese (Coastal Community)
- 2.19 Chime
- 2.20 ConnexUs
- 2.21 Consumers Credit Union
- 2.22 Copper Banking
- 2.23 Current (Metropolitan Commercial)
- 2.24 Delta Community Credit Union
- 2.25 Educational Systems Federal Credit Union
- 2.26 Ellevest
- 2.27 Empower
- 2.28 Enzo
- 2.29 Figure Pay
- 2.30 GoBank
- 2.31 Greensboro Municipal FCU
- 2.32 Hancock Whitney
- 2.33 H-E-B Debit
- 2.34 Heritage Bank
- 2.35 Incredible Bank
- 2.36 Juno
- 2.37 Laurel Road
- 2.38 LendingClub
- 2.39 Lili Bank
- 2.40 Live Oak Bank
- 2.41 M1 Finance
- 2.42 Marcus Bank
- 2.43 Metropolitan Commercial Bank
- 2.44 Nearside
- 2.45 Motiv
- 2.46 Navy Federal Credit Union (NFCU)
- 2.47 NorthOne
- 2.48 Old Missouri
- 2.49 One Finance
- 2.50 Oxygen
- 2.51 PenFed
- 2.52 Regions Bank
- 2.53 Revolut
- 2.54 Simple Finance
- 2.55 SoFi Money
- 2.56 Spiral
- 2.57 Stash
- 2.58 Stripe
- 2.59 TAB Bank
- 2.60 TBK Bank
- 2.61 TD Bank
- 2.62 Texas Trust Credit Union
- 2.63 Tower Federal Credit Union
- 2.64 Upgrade
- 2.65 USAA
- 2.66 Varo Money
- 2.67 WinTrust
- 2.68 Wysh
- 3 Banks & Credit Unions With Mixed Data Points
- 3.1 Associated Bank
- 3.2 Barclays
- 3.3 Capital One 360
- 3.4 Charles Schwab
- 3.5 Citizens Bank
- 3.6 Discover
- 3.7 HM Bradley
- 3.8 HSBC
- 3.9 Huntington
- 3.10 Insight
- 3.11 Lake Michigan CU
- 3.12 M&T Bank
- 3.13 PNC
- 3.14 SunTrust
- 3.15 TCF Bank
- 3.16 Unify Financial Credit Union
- 3.17 U.S. Bank
- 3.18 Washington Savings Bank
- 3.19 Wells Fargo
- 4 Final Thoughts
Banks & Credit Unions That Do Pull Your ChexSystems
1st Source
1st United
- Does pull: 1,
Abound FCU
Achieva Credit Union
- Does pull: 1,
Affinity Credit Union
Air Academy Credit Union
Alden Credit Union
- Does pull: 1,
All America Bank
Alliant
Ally
Amalgamated
Amerant Bank
- Does pull: 1,
American Eagle
- Does pull: 1
Andigo Bank
Andrews Federal Credit Union
Arizona Central Credit Union
- Does pull: 1
Arkansas Federal Credit Union
- Does pull: 1,
Arvest
- Does pull: 1,
Astoria
- Does pull: 1
Atlantic Credit Union
Avidia Bank
- Does pull: 1
Axos Bank
Bancorp South
Bank of Maine
- Does pull: 1
Bank Of The West
BankMutual
- Does pull: 1
Bank OZK
- Does pull: 1,
BB&T
Bethpage
- Does pull: 1,
BMO Harris
Bank of Colorado
- Does pull: 1
Bank of Denver
- Does pull: 1,
Bank of the West
BankPurely
Does pull: 1
BECU
- Does pull: 1,
Blue Federal Credit Union
Blue Foundry Bank
- Does pull: 1,
Blue Hills Bank
BluPeak
- Does pull: 1,
BrightStar Credit Union
- Does pull: 1
Brio Direct
- Does pull: 1,
Busey Bank
- Does pull: 1,
Byline Bank
- Does pull: 1,
Cambridge Savings Bank
Camden National Bank
- Does pull: 1
Carver Federal Savings Bank
- Does pull: 1
CBT Bank
- Does pull: CBT Bank,
CEFCU
- Does pull: 1
Centennial Bank & Trust
- Does pull: 1
Centier Bank
- Does pull: 1,
Central Bank of Oklahoma
Central Bank of the West
- Does pull: 1
Century Bank
- Does pull: 1,
Chartway Federal Credit Union
Chemical
- Does pull: 1
Chesapeake Bank
- Does pull: 1,
Christian Community Credit Union (CCCU)
CIBC
CIBM Bank
- Does pull: 1,
CIT Bank
Citi
- Does pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30,
- Doesn’t pull: 1 (savings)
City National Bank
Citywide
- Does pull: 1,
Clearview Credit Union
- Does pull: 1,
Clinton Savings Bank
- Does pull: 1,
Columbia Bank (NJ)
Columbia Bank (MD)
- Does pull: 1,
Comerica Bank
Commerce Bank
- Does pull: 1,
Costumers Bank
Country Bank For Savings
- Does pull: 1
Credit Union Of Colorado
- Does pull: 1
Customers Bank
- Does pull: 1
Dedham Savings Bank
- Does pull: 1
Digital Federal Credit Union (DCU)
Dollar Bank
Dollar Savings Direct
- Does pull: 1,
E*Trade: 1,
Eagle Federal Credit Union
- Does pull: 1
East Boston Savings Bank
- Does pull: 1
Eastern Bank
Eastman Savings Bank
- Does pull: 1,
Elements Financial
Elevations Credit Union
- Does pull: 1
ENT Credit Union
- Does pull: 1,
Essex Bank
Liberty Federal Credit Union (Evansville Teachers Federal Credit Union)
Excite Credit Union
- Does pull: 1,
Fairwinds Credit Union
Fidelity Bank (PA)
Fidelity Bank (MA/Online)
- Does pull: 1,
Fidelity (Cash Management)
Fidelity
- Doesn’t pull: 1,
Financial Builders Credit Union
- Does pull: 1,
Fifth Third
- Does pull: 1, 2, 3 (combined into a single pull for checking & savings on same day), 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14,
First Advantage Bank
- Does pull: 1
First American Bank
- Does pull: 1,
FirstBank
First Bank Financial Center
- Does pull: 1
First Bank & Trust
- Does pull: 1,
First Citizens Bank
- Does pull: 1
First Class Community Credit Union
- Does pull: 1,
First Commerce Credit Union
- Does pull: 1,
First Commonwealth Federal Credit Union
- Does pull: 1,
First Federal Of Lakewood
- Does pull: 1,
First Financial Bank
First Financial Credit Union
- Does pull: 1
First Horizon Bank
- Does pull: 1,
First Merchants Bank
First Midwest Bank
- Does pull: 1,
First National Bank
First National Bank of Long Island
First National bank of Omaha (FNBO)
- Does pull: 1,
First National Bank of PA
- Does pull: 1,
First National Bank & Trust (WI)
- Does pull: 1,
First National Bank of Waterloo
- States they do pull on bonus page
First Niagara
First Republic Bank
- Does pull: 1,
First Tech Federal Credit Union
First Tennessee
First Trade Union Bank
- Does pull: 1
Fitsimons Credit Union
- Does pull: 1,
Five Star Bank
- Does pull: 1
Flushing Bank
Florida Community Bank
- Does pull: 1
Forcht Bank
- Does pull: 1,
Fulton Bank
Gateway First Bank
- Does pull: 1,
Goldman Sachs Bank
- Does pull: 1
Great River Federal Credit Union
- Does pull: 1,
Grow Financial Credit Union
- Does pull according to information given by the credit union
GTE Financial Credit Union
- Does pull: 1,
Gulf Coast Bank & Trust
- Does pull: 1,
Hanscom Federal Credit Union
- Does pull: 1,
HarborOne Bank
HarborStone Credit Union
- Does pull: 1,
Healthcare Associates Credit Union
- Does pull: 1,
Home Federal Bank Tennessee
- Does pull: 1 (via e-mail on 10/8/22)
Home Savings Bank
- Does pull: 1
HomeStreet Bank
- Does pull: 1
Hometown Community Banks
- Does pull: 1
HomeTrust Bank
Hudson Valley
- Does pull: 1
Iberia Bank
Ideal Credit Union
Investors Bank
Jovia
- Does pull: 1,
Justice Federal Credit Union
- Does pull: 1
KeyBank
Keypoint
Lakeland Bank
- Does pull: 1,
Lake Shore Savings
- Does pull: 1
LBS Financial Credit Union
- Does pull: 1,
Leader Bank
LegacyTexas Bank
- Does pull: 1
Liberty Bank For Savings
- Does pull: 1
Lyons National Bank
- Does pull: 1,
Macatawa
- Does pull: 1,
Marquette Bank
- Does pull: 1
Memory Bank
Middlesex Federal Credit Union
- Does pull: 1,
MidFirst Bank (Monifi)
Midland States Bank
Mission Federal Credit Union
- Does pull: 1
MoneyLion
- Does pull: 1,
Monona Bank
- Does pull: 1,
Mountain America Credit Union
- Does pull: 1
My Banking Direct
Nationwide Bank
NBKC Bank
- Does pull: 1,
Neighborhood Credit Union
- Does pull: 1,
Nevada State Bank
- Does pull: 1
Newtek Bank
- Does pull: 1,
Newtown Savings Bank
NJCU FCU
- Does pull: 1,
NWFCU
- Does pull: 1,
North Easton Savings Bank
- Does pull: 1,
Northern Bank Direct
- Does pull: 1,
Northfield Bank
- Does pull: 1,
Northpointe Bank
Northstate Bank
- Does pull: 1,
Northwest Bank
Northwest Federal Credit Union
- Does pull: 1,
NRLFCU
NuVision Federal Credit Union
- Does pull: 1
OceanFirst
Old National Bank
Old Second Bank
- Does pull: 1,
OneWest Bank
Onpoint Community Credit Union
- Does pull: 1,
Orange County Credit Union
- Does pull: 1,
Orion Federal Credit Union
PayPal
- Does pull: 1,
Parkside Credit Union
- Does pull: 1
Pathways Financial Credit Union
- Does pull: 1,
Penn Community Bank
- Does pull: 1
Peoples Bank
- Does pull: 1,
People’s United Bank
- Does pull: 1,
Picatinny Federal Credit Union
- Does pull: 1,
Pinnacle Bank
Popular Community Bank
Porte Bank
Power Financial Credit Union
- Does pull: 1
Premier Bank
Premier Member Credit Union
- Does pull: 1,
Presidential Bank
- Does pull: 1,
Primis
- Does pull: 1,
Provident Credit Union
PSECU
Quontic Bank
Quorum
RBFCU
- Does pull: 1
Redstone Federal Credit Union
Republic Bank
- Does pull: 1,
Rockland Trust Bank
Salem Five Bank
Sandy Spring Bank
Santander
- Does pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23 (personal & business), 24, 25,
Scient Federal Credit Union
- Does pull: 1
Seacoast National
- Does pull: 1
Security Bank of Crawford
- Does pull: 1,
SENB Bank
- Does pull: 1,
Service Credit Union
Service Federal Credit Union
- Does pull: 1,
SkyOne
SmartBank
- Does pull: 1 (via e-mail on 9/24/20)
Southern Bank & Trust
- Does pull: 1,
Southland Credit Union
- Does pull: 1,
S&T Bank
Stanford Credit Union
Star One
State Bank of India
- Does pull: 1,
State Department Federal Credit Union
State Farm Bank
- Does pull: 1,
Sterling National Bank
Stoneham Bank
South State Bank
Sun East Federal Credit Union
- Does pull: 1
Sunflower Bank
Susser Bank
- Does pull: 1,
Synchrony
- Does pull: 1
TDECU
- Does pull: 1,
Teachers Credit Union
- Does pull: 1,
Teachers Federal Credit Union
Tech CU
Telhio Credit Union
- Does pull: 1,
The State Bank Group (IL)
- Does pull: 1,
Three Rivers Credit Union
- Does pull: 1,
Thrivent Federal Credit Union
TIAA
- Does pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10,
- Doesn’t pull: 1 (savings), 2 (previous account holder), 3,
T-Mobile Money
- Does pull: 1,
Town and Country Bank
- Does pull: 1
Truist
Truliant
- Does pull: 1,
Trustco Bank
- Does pull: 1,
TTCU Federal Credit Union
- Does pull: 1,
UFB Direct
- Does pull: 1,
Umass Five Federal Credit Union
- Does pull: 1,
UMB Bank
- Does pull: 1,
Unify
UnionBank
- Does pull: 1,
Union Bank & Trust
United Community Bank
- Does pull: 1,
Unitus Community Credit Union
- Does pull: 1,
University First Federal Credit Union
- Does pull: 1,
Univest
- Does pull: 1
U of I Community Credit Union
- Does pull: 1,
US Alliance
- Does pull: 1,
US Century
- Does pull: 1
USE Credit Union
- Does pull: 1,
Utah First
- Does pull: 1,
Webster Bank
- Does pull: 1,
Wesbanco
- Does pull: 1
Wescom
Westfield Bank
Wings Financial Credit Union
Wisconsin Bank & Trust
- Does pull: 1
WyHy FCU
- Does pull: 1 (via e-mail on 4/11/18)
VantageWest
Visions Federal Credit Union
- Does pull: 1,
VyStar Credit Union
- Does pull: 1,
Xceed Financial Credit Union
- Does pull: 1,
Banks & Credit Unions That Don’t Pull Your ChexSystems
Academy Bank
ACNB
- Doesn’t pull: 1
Addition Financial
Albert Bank
American Express High Yield Savings
Arizona Financial Credit Union
- Doesn’t pull: 1,
Armed Forces Bank
Ashland Credit Union
- Doesn’t pull: 1,
Aspiration
Atmos Financial
- Doesn’t pull: 1,
Bank of America
- Did pull: 1,
- Doesn’t pull: 1, 2 (existing savings account), 3, 4, 5, 6, 7, 8, 9,
- Doesn’t pull with existing account: 1, 2 (credit card), 3 (checking)
BankESB
- Doesn’t pull: 1,
Bank of Missouri
- Doesn’t pull: 1,
BBVA Compass
Central Minnesota Credit Union
- Doesn’t pull: 1,
CFG Bank
- Doesn’t pull: 1,
Chase
- Doesn’t pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36,
- Business doesn’t pull: 1, 2, 3, 4,
Cheese (Coastal Community)
- Doesn’t pull: 1,
Chime
ConnexUs
Consumers Credit Union
Copper Banking
- Doesn’t pull: 1,
Current (Metropolitan Commercial)
Delta Community Credit Union
Educational Systems Federal Credit Union
- Doesn’t pull: 1,
Ellevest
- Doesn’t pull: 1,
Empower
- Doesn’t pull: 1,
Enzo
Figure Pay
- Doesn’t pull: 1,
GoBank
- Does pull: 1,
Greensboro Municipal FCU
- Doesn’t pull: 1
Hancock Whitney
H-E-B Debit
- Doesn’t pull: 1,
Heritage Bank
- Doesn’t pull: 1,
Incredible Bank
- Doesn’t pull: 1,
Juno
- Doesn’t pull: 1,
Laurel Road
- Doesn’t pull: 1,
LendingClub
- Doesn’t pull: 1,
Lili Bank
Live Oak Bank
- Doesn’t pull: 1,
M1 Finance
- Doesn’t pull: 1,
Marcus Bank
Metropolitan Commercial Bank
- Doesn’t pull: 1,
Nearside
- Doesn’t pull: 1,
Motiv
- Does pull: 1,
- Doesn’t pull: 1,
NorthOne
- Doesn’t pull: 1,
Old Missouri
- Doesn’t pull: 1
One Finance
Oxygen
- Dosn’t pull: 1,
PenFed
Regions Bank
Revolut
Simple Finance
- Doesn’t pull: 1,
SoFi Money
Spiral
- Doesn’t pull: 1,
Stash
- Doesn’t pull: 1,
Stripe
- Doesn’t pull: 1,
TAB Bank
- Doesn’t pull: 1 (6/28/22 via e-mail)
TBK Bank
- Doesn’t pull: 1,
TD Bank
Texas Trust Credit Union
- Doesn’t pull: 1,
Tower Federal Credit Union
Upgrade
USAA
- Doesn’t pull: 1,
Varo Money
WinTrust
Wysh
- Doesn’t pull: 1,
Banks & Credit Unions With Mixed Data Points
With banks in this section, it’s probably important to look at the date of data points, stuff that is more recent is more likely to be accurate as some financial institutions have transitioned away from relying on ChexSystems.
Associated Bank
Barclays
- Does pull: 1
Capital One 360
- Does pull: 1, 2, 3, 4, 5, 6, 7, 8, 9,
- Doesn’t pull: 1, 2 (already had checking), 3, 4, 5, 6, 7, 8, 9,
Charles Schwab
- Does pull: 1, 2, 3, 4, 5, 6 (for savings account on 2/8/22 via e-mail), 7, 8,
- Doesn’t pull for brokerage ONE investment account: 1
Citizens Bank
Discover
- Checking, does pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 (savings), 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21,
- Doesn’t pull: 1, 2 (savings), 3 (savings), 4 (savings), 5 (savings), 6 (aaa savings), 7 (savings), 8 (savings), 9 (savings), 10, 11, 12,
HM Bradley
HSBC
Huntington
Insight
- Doesn’t pull: 1
Lake Michigan CU
M&T Bank
PNC
- Does pull: 1, 2, 3, 4, 5, 6, 7, 8,
- Doesn’t pull: 1, 2, 3, 4, 5, 6, 7, 8 (in branch), 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23,
SunTrust
TCF Bank
Unify Financial Credit Union
- Does pull: 1,
U.S. Bank
- Does pull: 1, 2, 3 (also reports that they have signs up saying they specifically do use ChexSystems), 4, 5, 6, 7, 8,
- Doesn’t pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21,
Washington Savings Bank
- Does pull: 1,
Wells Fargo
- Does pull: 1,
- Doesn’t pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34,
Final Thoughts
Resource pages like this are as useful as readers make them, if you can contribute then please do so to increase the knowledge base for everybody. I’ll be including a link to this page on every bank bonus post to encourage people to share their data points. We’ll also add a section to the quick glance bit for whether they do/don’t use ChexSystems to give quick access to this information as well. If you found this page helpful, you might also enjoy the following pages:
- A Beginners Guide To Bank Account Bonuses
- Bank Account Reference Pages
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- Complete List Of Ways To Close Bank Accounts At Each Bank
- Bank Accounts That Can Be Funded With A Credit Card
- List Of Methods Banks Count As Direct Deposits
- Is Opening A Bank Account A Soft Or Hard Pull?
More DPs:
Did not pull: Wells Fargo, Upgrade, Keybank
Did pull: Affinity CU (denied at 4/6, though 3 on the same day), Abington Bank (TBD), Dedham Savings (denied at 4/6, though 3 on the same day)
For KeyPoint checking account, online applications soft pull ChexSystems and Experian; in branch soft pull Experian.
DP’s Oct 2023 – Feb 2024
DID PULL:
Valley National Bank (denied due to Chex @ 20/24)Members Cooperative Credit UnionNorthwest Federal Credit UnionState Employees Credit Union of Maryland (denied due to Chex)Arizona Financial Credit UnionUnited Heritage Credit Union (denied due to Chex)CitibankBMO HarrisElements Financial Credit Union
DID NOT PULL:
NASA Federal Credit Union
Pelican State CU doesn’t pull Chex
Did you have your Chex frozen when you applied?
Yes
Didn’t see Chex pulls from these FIs on my report:
University Credit UnionAFFCUBMO Harris, 1/2 (opened business checking one week after personal checking, and only the personal checking showed up on the report)Educational Systems Federal Credit Union
Recently pulled:
Fifth Third
Truist
Nova Credit Union
Goldman Sachs (Apple Card)
Did Not Pull:
Atmos Financial
Also, had several listings of Transunion on behalf of Credit Karma, so I guess everytime you click an ad for something on Credit Karma it runs a Chex report just FYI.
And, when you get new car insurance they run it too, had quite a few from National General Insurance via Transunion.
WSECU pulls Chex
Recently pulled
Key Bank
Service Federal Credit Union
Nasa Federal Credit Union
TransUnion did a hard Chex inquiry on me “On Behalf Of” Ally when I applied for an Ally credit card. Have any of ever heard of getting a Chex inquiry when applying for a credit card? I’m wondering if I should dispute this.
Same happened to me with a Pay Pal Credit Card. I was surprised to see a Chex pull for a credit card.
Interesting. Was it TransUnion that did it “On Behalf Of” PayPal or did PayPal do it directly?
They probably have a right to pull any reports they see fit based on what we agreed to before submitting our applications so I’m guessing there’s no legit excuse to dispute the inquiry. Do you agree?
Inquirer: TransUnion on behalf of PayPal. I would guess that Chex is included in the generic term they use about ‘financial and identity verification’ in the disclosure that is too long to read at the end of applications. We may start seeing it pulled more often. I didn’t dispute mine. I have disputed having 2 chex reports pulled by same bank/credit union within 2 days and from the same application, and they didn’t consolidate it to ONE pull, so I don’t bother anymore.
Did Pull:
Chartway Federal Credit Union
Skyone FCU
Horizon CU
PSECU
Banner
Affinity FCU
Verity CU
Citibank
Travis CU
Texas Dow Employees CU