Is Opening A Bank Account A Soft Or Hard Pull?

That depends on who the bank account is with. Most banks will simply do a soft pull on your credit report (this doesn’t affect your credit score at all), but some banks (especially those who offer a line of credit, such as overdraft protection) will do a hard pull on your credit file. Below we’ve listed banks and whether they do a hard or soft pull, along with the source of this information. If you have another data point, please let us know in the comments.

121 Financial Credit Union

• No data points

1st Constitution Bank

• Soft pull: 1

1st Mariner Bank

They will only approve you if you have 3 ChexSystems inquiries or less.

• Soft pull: 1

1st Security Bank

• No data points

1st Source Bank

• Soft pull: 1,

1st United Credit Union

• Soft pull: 1

3Rivers Federal Credit Union

• Soft pull: 1,

4Font Credit Union

• No data points

A+ Federal Credit Union (A+FCU)

Hard pull: 1

AAA

Unknown

AAC Credit Union

• No data points

Achieva

• Hard pull: 1 (all three bureaus)

ACNB

• Soft pull: 1
• DON’T do a ChexSystems: 1

Advance Financial Federal Credit Union (AFFCU)

Unknown, please share your experiences in the comments.

Advantage Bank

• No data points

Advantis Credit Union

• Hard pull: 1, 2,

Adventure Credit Union

• Hard pull: 1

Aero Federal Credit Union

• No data points

Affinity Federal Credit Union

• No data points

Air Academy Federal Credit Union

• No data points

Alden Credit Union

• Soft pull: 1

All America Bank

• Soft pull: 1

Allegiance Credit Union

• No data points

Alliant

• Soft pull: 1, 2, 3, 4

Ally

• Hard pull: 1, 2
• Soft pull: 1, 2, 3, 4 (savings)

Aloha Pacific Federal Credit Union

• No data points

Altra Federal Credit Union

• Hard pull: 1 (TU)

Amalgamated Bank

• Soft pull: 1

Amboy Direct

• No data points

American Bank

• No data points

American Commerce Bank

• No data points

American Eagle Financial Credit Union

• Soft pull: 1 (according to CSR), 2,

American Enterprise Bank

• No data points

American Express Bluebird

• Soft pull: 1, 2

American Express Serve

• Soft pull: 1

America First Credit Union

• Hard pull: 1, 2,

American Hertiage FCU

• Hard pull: 1, 2

American Investors Bank & Mortgage (AIBM)

• No data points

American Pride Bank

• Soft pull: 1,

American Savings Bank (ASB) Hawaii

• No data points

American Trust & Savings Bank

• No data points

America’s Credit Union

• Hard pull: 1

AmeriCU Credit Union

• No data points

Ameris Bank

• Soft pull: 1,

ANB Bank

• No data points

Anchor Bank

• Soft pull: 1

Andrews Federal Credit Union

• Hard pull: 1
• Soft pull: 1

Andigo Credit Union

• Soft pull: 1

APGFCU

• Hard pull: 1,

Apple Bank

• Soft pull: 1

Arizona Central Credit Union

• CSR’s stated that it is a hard pull on Equifax.

Arizona Federal Credit Union

• Soft pull: 1, 2,
• Hard pull: 1,

Arizona State Credit Union

• Soft pull: 1

Arrha Credit Union

• No data points

Arundel Federal Savings Bank

• Soft pull: 1, 2,

Arvest Bank

• Soft pull: 1

Ascend Federal Credit Union

• Hard pull: 1

Ashland Credit Union

• Soft pull: 1,

Aspiration

• Soft pull: 1, 2, 3,

Aspire Credit Union

• Soft pull: 1

Astoria Bank

• Soft pull: 1

Associated Bank

• Soft pull: 1

Associated Credit Union of Texas (ACUTX)

• No data points

Associated Credit Union

• No data points

Avidia Bank

• Soft pull (at least on TransUnion & Experian): 1
• Chex system only: 1

Ballston Spa National Bank (BSNB)

• Soft pull: 1

BancorpSouth

• Soft pull: 1, 2

Bank7

• Soft pull: 1,

Bank & Trust

• Soft pull: 1

Bankers Trust

• No data points

bankESB (East Hampton Savings Bank)

• Soft pull: 1

Bank of America

• Soft pull: 1, 2, 3
• Chex system inquiry: 1

Bank Direct

• Soft pull: 1, 2, 3

Bank of Elk River

• Soft pull: 1,

BankFinancial

• No data points

BankHometown

• No data points

Bank of Canton

• Soft pull: 1 (via e-mail on 5/10/17 according to CSR)

Bank Of Lee’s Summit

• Unknown

Bank of Maine

• Soft pull: 1
• Chex system inquiry: 1

Bank Midwest

• No data points

BankMutual

• Soft pull: 1, 2
• Chex systems inquiry: 1

Bank of Elk River

• No data points

Bank of Ruston

• Soft pull: 1,

Bank Of Sun Prairie

• No data points

Bank of the West

• Soft pull: 1, 2
• ChexSystems: 1

BankORION

• Soft pull: 1

BankPurely

• Soft pull: 1

BankWell

• Soft pull: 1

Banterra

• No data points

Barclays

• No data points

Bar Harbor Bank & Trust

• Soft pull: 1,

Baton Rouge Telco Federal Credit Union

• No data points

BB&T

• Soft pull (Equifax): 1, 2 (one report of hard Equifax pull: 1), 3, 4

BBVA

Update: It’s a hard pull, the soft pull data points are old

• Hard pull (TransUnion): 1, 2, 3, 4
• Soft pull: 1, 2
• New data points:
  • Soft pull: 1, 2, 3, 4, 5, 6,

Beacon Credit Union

• No data points

BECU

• Soft pull: 1, 2

Belco Community Bank

• Soft pull: 1

Bellco Credit Union

• Hard pull: 1

Belmont Savings Bank

• No data points

Benchmark Federal Credit Union

• Hard pull: 1,

Beneficial Bank

• No data points

Berkshire Bank

• No data point

Beverly Hill Bank

• No data points

BethPage Credit Union

• Soft pull: 1

BHCU

• No data points

BiddefordSavings

• No data points

Blue Hills Bank

• Soft pull: 1

Blue Federal Credit Union

• Soft pull: 1 (via e-mail on August 17th, 2016)

BMI Federal Credit Union

• Soft pull: 1, 2,
• Hard pull: 1, 2, 3,

BMO Harris

• Soft pull: 1, 2, 3
• Chex system inquiry: 1

BMT (Bryn Mawr Trust)

• Soft pull: 1

BOKF (Bank of Albuquerque, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust)

• Soft pull: 1
• Bank of Oklahoma: Soft pull: 1, 2
• Bank of Texas: Soft pull: 1

Bridge Credit Union

• No data points

Bridgeview Bank Group

• Soft pull: 1

Brightpeak Financial

• Soft pull: 1

BrightStar Credit Union

• Soft pull: 1
• ChexSystems: 1

Bryon Bank

• No data points

Byline Bank

• Soft pull: 1,

Bull’s Eye Credit Union

• No data points

California Bank & Trust

• No data points

California Coast Credit Union

• Hard pull: 1,

Callaway Bank

• Soft pull: 1

Cambridge Savings Bank

• Soft pull: 1

Camden National Bank

• Soft Pull: 1
• ChexSystems: 1

Capital Bank

• Soft pull: 1,

Carver Federal Savings Bank

• No data points

Cambridge Trust Company

• No data points

Campus USA Credit Union

• Hard pull: 1

Cape Cod 5

• No data points

Capital Credit Union

• No data point

Capital One

Presumably it’s the same as Capital One 360 below, but we don’t have any hard data points on this.

Capital One 360

• Capital one will do a hard credit pull for a checking account only if you opt for overdraft protection. As long as you opt out there will only be a soft pull. Their savings account only has a soft pull done. This is also answered on their website which can be found by clicking here.

Capitol Bank

• No data points

CBT Bank

• Soft pull: 1,

CCFBank

• Soft pull: 1

Cedar Rapids Bank & Trust

• No data points

CEFCU

• Soft pull: 1
• Hard pull: 1, 2, 3, 4,

Centier

• No data points

Central Florida Educators  Credit Union

• Soft pull: 1,

Central Illinois Bank

• Soft pull: 1,

Century Bank

• Soft pull: 1,

Central Bank

• Soft pull: 1

Charter Oak

• No data points

Charles Schwab

• Hard pull: 1, 2 (Equifax), 3,
• Soft pull: 1 (opted out of Margin trading & credit bureaus were having issues). Turned out to be a hard pull

Chartway Credit Union

• Soft pull: 1
• Chex System Inquiry: 1

Charter One

See: Citizens Bank. This is the same bank, just with a different branding in IL, MI, and OH.

Chase

• Soft pull: 1, 2
• Chex system inquiry: 1
• Business account is a soft pull also: 1

Chief Financial Credit Union

• No data points

Christian Community Credit Union

• Soft pull: 1, 2
• Hard pull: 1

CIBC US

• Soft pull: 1 (via e-mail on 07/04/18)

Cincinnati Federal

• Soft pull: 1

CinFed Credit Union

• Hard pull: 1 (Experian)

Citadel Credit Union

• Soft pull: 1

CIT Bank

• Soft pull: 1

Citibank

• Soft pull: (source: 1, 2, 3, 4, 5, 6, 7)

The Citizens Bank

• No data points

Citizens Bank

Citizen Bank looks to be a soft credit inquiry when you apply at a branch and a hard credit inquiry when you apply online. Update: This seems to no longer be the case, it’s now a soft pull online as well as long as you don’t opt in for over draft protection.

• Soft pull: 1, 2, 3, 4, 
• Hard pull: 1, 2, 3
• Hard pull (Equifax): 1, 2, 3, 4, 5
• Soft pull (online): 1
• No Chex system inquiry: 1
• Chex system inquiry: 1
• Soft pull if you apply in branch: 1

City National Bank (Bankatcity)

• Soft pull: 1

Civista Bank

• No data points

Clearview Federal Credit Union

• Soft pull: 1 (via e-mail on August 1st, 2016)

Clifton Savings Bank (CSBK)

• No data points

Clinton Savings Bank

• Soft pull: 1,

CME Federal Credit Union

• Hard pull: 1 (TransUnion)

CNB Bank & Trust

• No data points

Columbia Bank (WA, OR, ID)

• Soft pull: 1

Columbia Bank (NJ)

• Soft pull: 1

Columbia Credit Union

Seems to be hard online and soft in branch.

• Soft pull: 1
• Hard pull: 1

Comerica

• Soft pull: 1

Commerce Bank (MA)

• Unknown

Commerce Bank (MO, KS, IL, OK & CO)

• Soft pull: 1

Communication Federal Credit Union

• Soft pull: 1 (sent via e-mail on 11/14/18)
• Hard pull: 1,

CommonWealth Credit Union

• Unknown

Community Alliance Credit Union

• Unknown

CommunityAmerica Credit Union

• Hard pull: 1, 2, 3 (TransUnion)

Community Bank & Trust

• Unknown

Community Financial Services Bank

• Soft: 1

Community First Credit Union of Florida

• Soft pull: 1, 2,

Community West Credit Union

• No data points

Connex Credit Union

• Hard pull: 1,

ConnexUs Credit Union

• Hard pull: 1, 2, 3

Consumers Credit Union

• Hard pull (Equifax): 1, 2, 3, 4

Consolidated Community Credit Union

• No data points

Control Card

• Unknown

Cooperative Bank of Cape Cod

• No data points

Coors Credit Union

• No data points

Cornerstone Bank

• Hard pull: 1, 2
• Soft pull: 1

Cornerstone Financial Credit Union

• Hard pull: 1,

Country Bank For Savings

• Soft pull: 1

Crane Credit Union

• No data points

Credit Union of Ohio

• No data points

Credit Union One

• Soft pull: 1, 2,

Credit Union of Texas

• Hard pull: 1,

Crystal Lake Bank

• No data points

CSE Federal Credit Union

• No data points

Darien Rowayton Bank

• Unknown

DCU (Digital Federal Credit Union)

Hard pull: 1 (Equifax), 2

Dearborn Savings Bank (DSB)

• Soft pull: 1,

Dedham Savings Bank

• Soft pull: 1 (via e-mail on 06/06/17)

Delta Community Credit Union

• Hard pull: 1, 2

Denizen

• Soft pull: 1,

Denmark State Bank

• Hard pull: 1 (transunion)

Denver Community Credit Union

• Unknown

Desert Community Bank

• No data points

Desert Schools Federal Credit Union

• No data points

Destinations Credit Union

• Soft pull (Transunion): 1, 2

Diamond Valley Federal Credit Union

• No data points

Discover

• Soft pull: 1, 2, 3, 4

Dollar Bank

• Soft pull: 1
• ChexSystems: 1

Dollar Savings Bank

• No data points

Dort Federal Credit Union

• No data points

Eagle Federal Credit Union

• Hard pull (Experian): 1

Earn Bank

• No data points

East Boston Savings Bank

• Soft pull: 1

East Cambridge Savings Bank

• No data points

Eastern Bank

• Soft pull: 1

Eastern Savings Bank

• No data points

Eastman Credit Union

• Soft pull: 1,

East Wisconsin Savings Bank

• No data points

EBSB Direct

• No data points

Educators Credit Union (ECU)

• No data points

Elements Financial Credit Union

• Soft pull: 1 (via e-mail on 02/08/2017)

Elevations Credit Union/Buff One

• Soft pull: 1
• Hard pull now?: 1, 2,

Elko Federal Credit Union

• No data points

Empire State Bank

• No data points

Emprise Bank

• No data points

Energy Federal Credit Union

• No data points

ESL Federal Credit Union

• Soft pull: 1

Essex Bank

• Soft pull: 1,

Evanston Community Bank

• Soft pull: 1,

Evansville Teachers Federal Credit Union

• Soft pull: 1

EverBank

• No data points

Family Trust Federal Credit Union

• No data points

Farmers Insurance Federal Credit Union

• No data points

Farmers & Merchants State Bank

• Soft pull: 1,

Farmington Bank

• No data points

FAST Credit Union

• No data points

FCB Banks

• No data points

FCB South County Bank

• Soft pull: 1

FEDCOM

• Unknown

FedFinancial Federal Credit Union

• Hard pull: 1 (TransUnion)

Fidelity (Brokerage)

• Soft pull: 1,

Fidelity Bank (PA)

• Soft pull: 1

Fidelity Bank (Online, MA)

• Soft pull: 1,

Fifth Third Bank

• Soft Pull: 1, 2

Financial Builders

• No data points

Financial Plus Credit Union

• No data points

First Advantage Bank

• Hard pull: 1

First American Bank

• Soft pull: 1, 2,

FirstBank

According to a reader via e-mail (February 10th, 2016) this now looks to be a soft pull. And another DP: 1. Another DP is saying it’s a hard pull… and another. and another

• Hard pull: 1
• Soft pull: 1, 2,

FirstBank [TN, GA, AL]

• Soft pull: 1,

First Bank (VA, MD)

• Soft pull: 1,

First Bank (CA, IL & MO)

• Soft pull: 1,

First Bank and Trust

• Soft pull: 1

First Bank & Trust Company Illinois

• No data points

First Bank Financial Centre (FBFC):

• Soft pull: 1 (according to rep), 2, 3

First Basin Credit Union Checking

• No data points

First Citizen’s Bank

• Hard pull (Equifax): 1, 2, 3

First Commerce Credit Union

• No data points

First Commonwealth Bank

• No data points

First Community Bank (AR/MO)

• No data points

First Federal Bank of Wisconsin

• Soft pull: 1, 2

First Financial Federal Credit Union

• No data points

First Financial Credit Union

• Hard pull: 1 (TransUnion)

First Federal Bank

• Soft pull: 1 (on EQ & TU)

First Financial Bank (AR/MS)

• Soft pull: 1,

First Financial Bank (TX)

• Soft pull: 1,

First Financial Northwest Bank

• No data points

First Flight Credit Union

• No data points

First General Credit Union

• No data points

First Green Bank

• No data points

First Hawaiian Bank

• No data points

First Home Bank

• Soft pull: 1,

First Jersey Credit Union

• No data points

First-Lockhart National Bank

• No data points

First Mark Credit Union

• Hard pull (Equifax): 1, 2, 3
• Soft pull: 1

First Merchants Bank

• Soft pull: 1, 2

First Merit Bank

• Soft pull: 1

First Midwest Bank

• Soft pull: 1

First National 1870

• No data points

First National Bank (FNB)

• Soft pull: 1

First National Bank [UT]

• Soft pull: 1, 2

First National Bank [NE]

• Soft pull: 1 (via e-mail on 10/07/17)

First National Bank of Long Island

• Soft pull: 1,

First National Bank of Waterloo

• No data points

First National Bank in Staunton

• No data points

First Nebraska Educators Credit Union

• No data points, but checking account comes with a $600 overdraft line of credit so it’s probably a hard pull.

First Niagara

• Soft Pull: 1, 2, 3
• Chex Inquiry: 1, 2

First Northern Credit Union

• Hard pull: 1

First Republic Bank

• Soft pull: 1

First South Financial

• hard pull according to rep

First State Bank Of Illinois

• Hard pull (experian): 1, 2

First State Community Bank

• Soft pull: 1

First Tech Federal Credit Union

• Hard pull: 1
• Soft pull: 1 (in branch), 2, 3,

First Tennessee

• Soft Pull: 1

First Trade Union Bank

• Soft Pull: 1
• Chex Inquiry: 1

First United Bank

• Soft pull: 1

Fitness Bank

• No data points

Fitzsimmons Credit Union

• No data points

Five Star Bank

• Soft pull: 1

Flagstar Bank

• Soft pull: 1

Florence Bank

• No data points

Florida Community Bank

• Soft Pull: 1
• Chex Inquiry: 1

Florida Credit Union

• Hard pull: 1 (EQ)

Flushing Bank

• Soft pull: 1

F&M Bank

• Soft pull: 1

Focus Bank

• Soft pull: 1

Focus Federal Credit Union

• No data points

Forcht Bank

• Soft pull: 1, 2,

FNCB

• Unknown

Freedom Credit Union

• Unknown

Freedom Federal Credit Union

• Hard pull: 1,

Fremont Bank

• Soft pull: 1, 2,

Fulton Bank

• Soft pull: 1, 2

Garden Savings Federal Credit Union

Unknown, if you have any data points then please let us know.

Gateway Metro Federal Credit Union

• Soft pull: 1

Genisys Credit Union

• Soft pull: 1, 2,

Georgia Banking Company (GBC)

• Hard pull: 1 (Equifax), 2,
• Soft pull: 1

Gesa Credit Union

• Soft pull: 1

Gibsland Bank

• Soft pull: 1

Giftsforbanking

• Unknown

Global Credit Union

• No data points

GNO Federal Credit Union

• No data points

GO Federal Credit Union

• No data points

Greater Iowa Credit Union

• No data points

Greater Nevada Credit Union

• Soft pull according to CSR

Great Lakes Credit Union

• Hard pull: 1

Great Southern Bank

• Soft pull: 1

Grow Financial

• Soft pull: 1,

GTE Financial

• Hard pull: 1, 2, 3, 4,

Guardian Credit Union

• No data points

Gulf Coast Federal Credit Union

• No data points

HarborOne Bank

• Soft pull: 1

Harborstone Credit Union

• No data points

Heartland Bank

• No data points

Heartland Credit Union

• Hard pull: 1

Heritage Bank

• Soft pull: 1, 2, 3

Heritage Bank NW

• No data points

Heritage Credit Union

• Soft pull: 1, 2

HeritageWest Credit Union

• Soft pull: 1 (according to CSR)

Hiway Federal Credit Union

• Hard pull: 1 (equifax)

Home Federal Savings Bank

• No data points

Home National Bank

• No data points

Home Savings Bank

• No data points

Home State Bank

• No data points

HomeStreet:

• Soft pull: 1, 2

Hometown Community Banks

• Soft pull: 1

HomeTrust Bank

• Soft pull: 1,

Honors Credit Union

• Hard pull: 1, 2 (Transunion)

Hopewell Federal Credit Union

No data points

Horizon Bank

• Soft pull: 1,

Houston Metropolitan Federal Credit Union

• Soft pull: 1,

HSBC

• Soft Pull: 1, 2
• Chex inquiry: 1

Huntington Bank

• Soft Pull: 1, 2, 3, 4, 5

Hudson River Community Credit Union (HRCCU)

• No data points

Hudson Valley Federal

• No data points

IBM Southeast FECU

• Hard pull: 1

IBERIABANK

• Soft pull according to rep and confirmed by this report

ICBC USA

• Soft: 1

IC Federal Credit Union

• No data points

Idaho Central Credit Union (ICCU)

• No data points

Ideal Credit Union

• Soft: 1 (according to CSR)

Illinois National Bank

• No data points

Illinois State Credit Union

• No data points

Incredible Bank

• Soft pull: 1,

InFirst FCU

• Hard pull: 1 (Experian)

InRoads Credit Union

• No data points

Inspirus Credit Union

• Hard pull: 1 (according to CSR)

Integrity Bank

• Soft pull: 1

Interior Federal Credit Union

• Hard pull: 1

InTouch Credit Union

• No data points

Investor Bank

• Soft pull: 1, dw,

Iowa State Bank

• Hard pull: 1, 2 (TransUnion),

Johnson Bank

• Unknown, let us know in the comments.

JSC Federal Credit Union

• Soft pull: 1,

Justice Federal Credit Union

• Hard pull: 1, 2

KaiPerm

• No data points

Kearny Bank

• No data points

Kemba Financial Credit Union

• No data points

Kinderhook Bank

• Soft pull: 1,

Kinecta

• Soft pull: 1

KeyBank

• Soft Pull: 1, 2 (Equifax), 3, 4

La Capitol Federal Credit Union

• Hard pull: 1 (equifax)

Lafayette Federal Credit Union

• Unknown

 Lakeland Bank

• Soft pull: 1,

Lake Michigan Credit Union (LMCU)

• Hard Pull (TransUnion): 1
• Hard pull (Experian): 1,

Lake Shore Savings

• Soft pull: 1
• ChexSystems: 1

Landmark Credit Union

• Unknown

Land of Lincoln Credit Union

• No data points

Leader Bank

• Soft pull: 1

Ledyard Bank

• Soft pull: 1,

LegacyTexas

• No data points

Level One Bank

• Soft pull:  1 (via e-mail on June 26th, 2016), 2

LGE Community Credit Union

• Soft pull: 1
• Hard pull: 1, 2,

Liberty Bank

• Unsure, please let us know in the comments.

Liberty Bank (CT, MA, RI)

• Soft pull: 1, 2

Liberty Bank For Savings

• Soft pull: 1
• ChexSystems: 1

Liberty First Credit Union

• Hard pull: 1 (Experian)

LM Federal Credit Union

• No data points

Logix Credit Union

• Hard pull: 1, 2, 3
• Soft pull: 1 (newest dp)

LorMet Community Federal Credit Union

• No data points

Los Angeles Federal Credit Union

• Hard pull: 1

Lyons National Bank

• Soft pull: 1,

Macatawa Bank

• Soft pull: 1,

Magnolia Federal Credit Union

• No data points

MainSource Bank

Mainstreet Credit Union

• Hard pull: 1 (TransUnion)

Main Street Bank [of Michigan]

• Soft pull: 1

Main Street Bank [of Virginia]

• Soft pull: 1,

Mango Money

• Soft pull: 1

Marcus Bank

• Unknown

Marine Bank

• Soft pull: 1, 2,

MarketUSA Federal Credit Union

• No data points

Marquette Bank

• Soft pull: 1, 2
• Hard pull: 1 (TransUnion)
• Chex systems: 1

Mars Bank

• No data points

Mazuma Credit Union

• Soft pull: 1,

MB Financial Bank

• Soft pull: 1

Mcgraw-Hill FCU

• Soft pull: 1

Mcfarland State Bank

• No data points

Melrose Bank

• Soft pull: 1

Members Choice Credit Union

• No data points

Members Cooperative Credit Union

• No data points

Members Source Credit Union

• No data points

Member One Federal Credit Union

• No data points

Memory Bank

• Soft pull: 1, 2

Memphis City ECU (MCECU)

• No data points

Mercer Savings Bank

• No data points

Meridian Bank

• No data points

Meridian Trust Federal Credit Union

• No data points

Meritrust Credit Union

• No data points

Meriwest Credit Union

• Hard pull: 1,
• Soft pull: 1 (had opted out of overdaft), 2

Michigan Schools and Government Credit Union

• Soft pull: 1, 2, 3,

Middlesex Savings Bank

• Soft pull: 1

MIDFLORIDA CU

• Hard pull for personal accounts: 1 (Experian)

MidFirst Bank

• Soft pull: 1

Mid-Hudson Valley Federal Credit Union

• No data points

Mid Penn Bank

• Hard pull: 1,
• Soft pull: 1, 2

MidWestOne Bank

Unknown

Midwest Regional Bank

• Soft pull: 1

Mission Federal Credit Union

• Hard pull: 1

Missouri Credit Union

• Hard pull: 1

Mobiloil Credit Union

• No data point

MoneyLion

• Soft pull: 1 (app says applying won’t affect your credit score)

Monona Bank

• No data points

Montgomery County EFCU

• Hard pull: 1 (Equifax)

Monroe Bank & Trust (MBT)

• Soft pull: 1

Mountain America Credit Union

• Hard pull on Experian: 1, 2,

MountainOne

• Soft pull: 1

My Banking Direct

• Soft: 1 (CSR), 2

My eBanc

• Soft pull: 1,

MySavingsDirect

• Soft pull: 1,

Mutual Bank

• No data points

MVB Bank

• Soft pull: 1

M&T Bank

• Soft Pull: 1, 2 (they pull your report for each account)

NASA Federal Credit Union

• Soft pull: 1

NASB

• No data points

Nassau Financial Federal Credit Union

• No data points

Nationwide Bank

• Soft pull: 1, 2

Note: You must not opt in for overdraft protection, otherwise a hard pull will be done.

Navy Federal Credit Union

• Hard pull: 1, 2, 3
• Soft pull: 1, 2,

NBC Oklahoma

• Soft pull: 1,

Neighborhood Credit Union

• Hard pull: 1, 2, 3

Nevada State Bank

• Soft pull: 1

New Buffalo Savings Bank

• Soft pull: 1

Newton Federal Bank

• Soft pull: 1

Newtown Savings Bank (NSB)

• Soft pull: 1

North Brookfield Savings Bank

• No data points

North Community Bank

• Unknown

Northeast Credit Union

• Soft pull: 1

Northern Paper Milles (NPM)

• No data points

Northern Skies FCU

• No data points

Northfield Bank

• Hard pull: 1,
• Soft pull: 1, 2, 3,

Northpointe

• Soft Pull: 1

North Shore Bank

• Soft pull

North Shore Bank of Commerce

• Soft pull: 1 (according to rep), 2

North Shore Community Bank

• No data points

North State Bank

• No data points

Northwest Bank

• Soft pull: 1

Northwest Federal Credit Union

• Soft pull: 1,

Northwest Savings Bank

Select “No” for overdraft protection to avoid hard pull

• Soft Pull: 1
• Chex Inquiry:

NWSB Bank

• No data points

Numerica Credit Union

• No data points

Nutmeg Credit Union

• Hard pull: 1

NuVision Federal Credit Union

• Soft Pull: 1
• Chex Inquiry: 1

NYCB Family Of Banks

• Soft pull: 1,

NWFCU

• Soft pull: 1

Oakland University Credit Union

• No data points

Ocean First Bank

• Soft Pull: 1

Old Hickory Credit Union

• No data points

Old Missouri Bank

• Soft: 1 (via e-mail on 02/20/17)

Old National Bank

• Soft pull: 1

Old Second Bank

• Soft pull: 1

One American Bank

• Soft pull: 1,

One Nevada Credit Union

• Soft according to CSR: 1

OneWest Bank

• Soft pull: 1

This is also a division of CIT Bank and they are a soft pull.

Option 1 Credit Union

• Hard pull: 1

Orange County Credit Union

• Soft pull: 1

Origin Bank

• Soft pull: 1,

Orion Federal Credit Union

• Hard pull: 1 (Equifax), 2 (Equifax, via e-mail on 10/12/18), 3, 4,

Oritani Bank

• Unknown

OUR Credit Union

• Hard pull: 1,

Pacific Service Credit Union

• Unknown

Palisades Credit Union

• No data points

Paradise Valley Federal Credit Union

• No data points

Parke Bank

• Soft pull: 1,

Parkside Credit Union

• Soft pull: 1
• ChexSystems: Yes
• EWS: No

Partner Colorado Credit Union

• Hard pull: 1

Patelco Credit Union

• Soft pull: 1 (without overdraft protection), 2, 3, 4
• Hard pull: 1 (with overdraft protection)

Pathways Financial Credit Union

• Hard pull: 1

Pelican State Credit Union

• Hard pull (equifax): 1, 2

PenFed

Clearly labelled when you open an account:

In addition, we will obtain a credit report from a consumer reporting agency prior to opening the following: Regular Share (savings) account, checking account, Money Market Savings Account, all loans and lines of credit, and all credit card products.

Peninsula Federal Credit Union

• Hard pull: 1 (Equifax)

Penn Community Bank

• No data points

PeoplesBank (Bankatpeoples)

• Soft pull: 1, 2, 3, 4,

PeoplesBank

• Soft pull: 1

Peoples Bank (LA)

• No data points

Peoples Bank (WA)

• No data points

Peoples Credit Union

• Soft pull: 1

Peoples United Bank

• Soft pull: 1, 2

Picatinny Credit Union

• Soft pull: 1 (via e-mail in 2019)

Pikes Peak Credit Union

• No data points

Pinnacle Bank

• Soft pull: 1, 2

Pinnacle Financial Partners

• No data points

Polam Federal Credit Union

• No data points

Polish National Credit Union

• No data points

Popular Bank

• Soft Pull: 1, 2

Popular Direct

• Soft pull: 1,

Power Financial Credit Union

• Soft pull: 1
• Hard pull: 1, 2,

PNC

• Soft Pull: 1, 2, 3
• Chex Inquiry: 1, 2

Preferred Credit Union

• Hard pull: 1

Premier America Credit Union

• Soft pull: 1, 2

Premier Members Credit Union

• Soft pull: 1 (via e-mail on 10/15/17), 2, 3,
• Hard pull: 1

Prestige Community Credit Union

• No data points

Progessions Credit Union

• No data points

Provident Bank

• Soft pull: 1

Provident Credit Union

• Hard pull for membership: 1
• Soft Pull For Checking: 1, 2

Proviso Community Bank

• No data points

PSE Credit Union

• No data points

PSECU

• No data points

Public Employees Credit Union (PECU)

• No data points

Public Services Credit Union

Hard pull: 1

Pulaski Bank

• No data points

PurePoint Financial

• Soft pull: 1 (sent via e-mail on 07/04/18)

Putnam Bank

• No data points

PyraMax Bank

• No data points

Quorum Federal Credit Union

• Hard pull (Equifax), for new membership: Reps will tell you this is done, but I haven’t seen any hard datapoints that it actually is
• Soft pull: 1, 2 3, 4

Radius Bank

• Soft pull: 1

Randolf Savings Bank

• No data points

Reading Cooperative Bank

• No data points

Real Peoples Bank

Unsure, let us know in the comments.

Red Rocks Credit Union

• Hard pull: 1 (according to csr)

Redstone Federal Credit Union

• Hard pull: 1 (Experian)

Regions Bank

• Soft pull: 1, 2, 3, 4
• Chex Inquiry: 1

Reliabank

• No data points

Reliance Bank

• No data points

Reliant Bank

• Soft pull: 1,

Reliant Community Credit Union

• Soft pull: 1

Republic Bank

• No data points

Ridgewood Savings Bank

• Soft pull: 1

Rivermark Community Credit

• Hard pull: 1, 2, 3,

Riverview Bank

• No data points

Rockland Trust Bank

• Soft pull: 1,

Rosedale Federal Savings & Loan Association

• No data points

Royal Bank America

• No data points

Royal Credit Union

• Soft pull: 1,

Sacramento Credit Union

• Soft pull: 1, 2,
• Hard pull: 1,

SAFE Credit Union

• Hard pull: 1 (TransUnion)

Salal Credit Union

• Soft pull: 1,

Salem Five Bank

• Hard pull (Equifax): 1, 2, 3, 4 (recent dp via e-mail on 07/07/18), 5, 6, 7, 8, 9, 10, 11, 12,
• Soft pull: 1 (recent DP), 2,
• Chex Inquiry: 1

Sallie Mae High-Yield Savings Account

• Soft pull: 1

Sandy Spring Bank

• Soft pull: 1

San Mateo Credit Union

• Soft pull: 1
• Hard pull: 1 (in branch)

Santander

• Soft Pull: 1, 2, 3,

Savings Bank of Danbury

• Soft pull: 1

Sawyer Savings Bank

• No data points

SB1 Federal Credit Union

• Unknown

Scient Federal Credit Union

• No data points

Scott Credit Union

• Hard pull: 1 (TransUnion, sent in via e-mail on 1/16/19)

Seacoast Bank

• Soft pull: Confirmed via chat

Selco Community Credit Union

• Hard pull: data point via e-mail

Select Bank & Trust

• No data points

SENB Bank

• Soft pull: 1 (sent in via e-mail on 02/01/18)

Service Credit Union

• No data points

Sharepoint Credit Union

• Hard pull: 1,

Sharonview

• Hard pull: 1

Signature Federal Credit Union

• Soft pull: 1, 2

Simsbury Bank

• No data points

Simple Bank

• Soft Pull: 1

Signature Bank of Georgia

• Soft pull: 1 (according to CSR), 2, 3

SkyOne Federal Credit Union

• No data points

Solvay Bank

• Soft pull: 1

Sound Credit Union

• Soft pull: 1

South East National Bank

• No data points

Southland Credit Union

• Soft pull: 1,

South State Bank

• Soft pull: 1

Space Coast Credit Union

• No data points

Spartan Federal Credit Union

• No data points

SPCO Credit Union

• Soft pull: 1,

Spire Credit Union

Customer service representatives state it’s a hard pull with Equifax, let us know if you have personal experience.

SSFCU (Security Service Federal Credit Union)

• Soft pull: 1, 2

S&T Bank

• Soft pull: 1

Star Bank

• Soft pull: 1,

State Bank of Bement

• No data points

State Bank Of Cross Plains

• No data points

State Bank Of India (California)

• Soft pull: 1,

State Department Federal Credit Union

• Hard pull: 1

State Employees Credit Union (SECU) Of Maryland

• Soft pull: 1

State Security Bank

• No data points

Stanford Federal Credit Union

• Soft pull: 1

Star One Credit Union

• Soft pull according to CSR and confirmed by readers: 1

STCU (Spokane Teachers Credit Union)

• Unknown

Sterling National Bank

• No data points

St Mary’s Credit Union

• No data points

Stoneham Bank

• Soft pull: 1

St Paul Federal Credit Union

• Hard pull: 1

Sturdy Savings Bank

• No data points

Suburban Bank & Trust (SBT)

• Unknown

Suffolk Federal Credit Union

• No data points

Summit Federal Credit Union

• Soft pull: 1,

Sun East Federal Credit Union

• Soft pull: 1

Sunflower Bank

• Soft pull: 1,

Sun National Bank

• No data points

Suntrust

• Soft pull: 1, 2
• Chex inquiry: 1

Synovus Bank

• Soft pull: 1

Sweet Home Federal Credit Union

• No data points

TAB Bank

• Soft pull: 1, 2, 3,

Talmer Bank & Trust

• Soft pull: 1

Taunton Federal Credit Union

• No data points

TCF Bank

• Soft pull: 1

Texans Credit Union

• Soft pull: 1

TD Bank

• Soft pull: 1

Tech CU

• Soft: 1, 2, 3

TEG Federal Credit Union

• No data points

Telco Community Credit Union

• No data points

Telhio Credit Union

• Hard pull (Equifax): 1

Texell Credit Union

• Unknown

The Bank of Princeton

• Soft pull: 1,

TIAA Direct

• Hard pull: 1, 2, 3, 4 (double pull Equifax & TransUnion). These are old data points, it’s now a soft pull.
• Soft pull: 1, 2, 3, 4

T-Mobile Money

• Soft pull: 1,

Tobyhanna

• Hard pull: 1

Toro Credit Union

• No data points

Tompkins VIST Bank

• Soft pull: 1

Town Bank

• Soft pull: 1 (sent in via e-mail on 09/23)

Town and Country Bank

• Soft pull: 1

TDECU

• Hard pull: 1, 2, 3,
• Soft pull: 1, 2,

The Columbia Bank

• No data points

The First State Bank

• No data points

Thrivent Federal Credit Union

• Soft pull: 1,

Traditional Bank

• No data points

Truity Credit Union

• Hard pull: 1

TrustCo Bank

• Soft pull: 1

TruMark

• Soft pull: 1
• Hard pull: 1, 2

TruStone Financial

• Soft pull: 1, 2, 3,
• Hard pull: 1

TruWest Credit Union

• Hard pull: 1 (experian), 2 (experian)

TTCU (Formerly Tulsa Teachers Credit Union)

• No data points

TwinStar Credit Union

• Hard pull: 1

UFB Direct

• Soft pull: 1

Ulster Savings Bank

• No data points

UMB Bank

• No data points

Umpqua Bank

• Soft pull: 1,

UNFCU

• Soft pull: 1

UniBank

• No data points

Unify

• Soft pull: 1, 2,

Union Plus Prepaid

• Soft pull (this is even confirmed on the home page, see picture below)

Union Bank

• Soft pull: 1, 2

Union Bank & Trust

• Soft pull: 1

Union Community Bank

• Soft pull: 1

United Bank

• No data points

United Community Bank (UCB)

• No data points

United Roosevelt Savings Bank

• Soft pull: 1,

Unitus Community Credit Union

• Soft pull: 1 (Equifax & TransUnion), 2

Unity Bank

• Soft pull: 1 (via e-mail on September 10th, 2017)

Univest

• Soft pull: 1
• Hard pull: 1, 2

University Federal Credit Union

• Soft pull: 1,

U of I Community Credit Union

• Soft pull: 1,

US Alliance Financial

• Soft pull: 1

US Community Credit Union

• No data points

US Bank

• Soft pull: 1
• Chex inquiry: 1

Utah First

• Hard pull: 1,

U$X Federal Credit Union

• No data points

Wakefield Co-operative Bank

• No data points

Washington Mutual

• Soft pull: 1
• Chex inquiry: 1

Washington Savings Bank

• Soft pull: 1,

Washington Trust

• No data points

Watertown Savings Bank

We’re currently unsure whether it’s a hard or soft pull.

Water And Power Community Credit Union (WPCU)

• No data points

WaterStone Bank

• Soft pull: 1,

Wealthfront

• Soft pull: 1,

Webster Bank

• No data points

Wellesley Bank

• No data points

Wells Fargo

• Soft Pull: 1, 2, 3
• Soft Pull (Business): 1, 2,
• Chex Inquiry: 1

WesBanco

• Soft Pull: 1

Wescom Credit Union

• No data points

Westbury Bank

• No data points

Western State Bank

• Soft pull: 1,

Westerra Credit Union

• Soft pull: 1,

WestField

• Soft: 1 (according to CSR)

Westfield Bank, FSB

• Unknown

WestTown Bank & Trust

• Unknown

Whitney Bank

• Soft Pull: 1 (via e-mail on November 15th, 2015)

Wings Financial Credit Union

• Hard pull: 1

WinTrust Bank

• Soft pull: 1,

Woori America Bank

• Soft pull: 1,

WyHy FCU

• Hard pull: 1 (via e-mail on 4/11/18)

Valley Bank

• Unknown

Valley Nation Bank

• Soft pull: 1

VantageWest

• Soft pull: 1,

Varo Money

• Soft pull: 1, website also states no credit check is done

Verity Credit Union

• Soft pull: 1 (07/07/18 via e-mail)

Vibrant Credit Union

• Hard Pull (TransUnion, also this is when opening a credit card account that is required for current bonus): 1

Vinton County

• Unknown, let us know in the comments

Vio Bank

• Soft pull: 1

Virginia Credit Union

• Soft pull: 1,

Xceed Financial Credit Union

• Soft pull: 1,

Zeal Credit Union

• Unknown

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Jan B

#22381

I just wanted to express my thanks for all the information. I actually need a mentor and would consider a fee-based arrangement. Having said that, I posted here because I opened and funded a recent PenFed account with a $1K (Arrival) CC deposit. While I know this is limited info to many, I had a pleasant experience.

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August 7, 2014 11:50 am

Mike

#72238

First Citizens Bank is quiet possibly the worst bank I’ve dealt with. Hard pull to open a checking account and $1 charge each time for the privilege of calling their toll-free number after 3 times per billing cycle. Also, lots of other fees for stupid things which they do not bother disclosing or listing on their website or elsewhere. Avoid this bank like the plague!

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February 8, 2015 2:02 pm

Ahan

#178620

Bank of America beats them all when it comes to worst bank. They smile at you at the branch but jab you with fees.

Vote Up0Vote Down  Reply

September 28, 2015 5:11 pm

D J

#401681

Yes, they DO!!

Vote Up0Vote Down  Reply

May 5, 2017 7:12 am

Aaron Hymer

#776177

Screw this they put 49 dollars in one account. What happenedx to that 150 total key bank i made the wrong chice

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June 28, 2019 7:51 pm

Jason

#76730

Data point: As of 01/2015, bank of America is still soft pull on Experian. Also Chexsystem told by banker

Vote Up0Vote Down  Reply

February 15, 2015 11:06 pm

Andrew C

#82365

FYI, US Bank required a pull on IDA to open a savings account – had to unfreeze it.

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February 27, 2015 8:51 am

Phil

#86018

US bank was a HARD pull on innovis for checking account that was processed thru sagestream/IDA apparently as it says sagestream,llc/US BANK on my innovis report under requests others can see.

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March 9, 2015 2:05 pm

Sam S

#90481

Anybody has or knows Quorum federal credit union. If yes, is it hard or soft pull for opening the high savings account?

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March 19, 2015 4:54 pm

Otis Sito

#91255

My experiences with BMO Harris:

Initial account opening for a Canadian Citizen – Hard Pull on Equifax Canada

Opening savings account later (after changing to a US Address) – Soft pull on TransUnion USA

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March 21, 2015 12:55 am

The 2015 Shutdown Thread - Page 12 - FlyerTalk Forums

#123355

[…] Originally Posted by Phantom707 Are you asking about Chase specifically or some other bank? Chase does a soft pull for accounts. https://www.doctorofcredit.com/bank-a…-or-hard-pull/ […]

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May 21, 2015 4:27 pm

Elliot

#123990

Does Chex combine inquiries from the same bank? For example, if I apply for and am approved for a US Bank checking, savings, and CD all in the same day, will Chex count that as one inquiry?

I’m trying to aggressively use bank account initial deposit funding to meet min. spending on different cards, so I want to reduce my Chex inquiries.

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May 22, 2015 12:38 pm

Elliot

#123991

That’s also assuming a bank makes multiple Chex inquiries for multiple applications, but I have no idea how that works.

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May 22, 2015 12:39 pm

William Charles

#124110

I think in that case the bank will just do one inquiry rather than multiples. If they do multiples, not sure if combined or not.

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May 22, 2015 8:58 pm

Ken

#126184

Any info on EverBank for hard/soft pull?

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May 28, 2015 12:41 am

Francis

#242138

bump

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April 5, 2016 9:40 am

fakitty

#254763

“If we need to pull credit on opening a bank account, it is considered a voluntary pull for banking purposes.” – CS response

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May 2, 2016 11:34 pm

007

#470537

Sounds like this would be a hard pull then, no?

Any more recent data points???

TY!

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September 2, 2017 6:50 pm

Ryan

#408217

Everbank USED to be a SP. I had a savings and MMA account there, and did not have a HP from them. I don’t remember if I had a Chex INQ though, and it would’ve fallen off by now.

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May 19, 2017 11:35 am

Jan B

#132108

F&M: Chex Inquiry

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June 10, 2015 11:25 am

AK

#141701

US Bank did a hard pull for me in Jan 2015 (shows up on my equifax as a hard pull). That was after the banker assured me it would be a soft pull. Next time, I’m going to get it in writing.

NOTE: They also soft pulled TU. I can’t speak for experian as I haven’t checked it yet.

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July 3, 2015 7:21 pm

KeyBank $300 Checking Promotion [AK, CO, ID, IN, ME, MI, NY, OH, OR, UT, VT, or WA only] - Doctor Of Credit

#143193

[…] Hard/soft pull: Soft […]

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July 9, 2015 8:31 am

Wade

#144661

I keep my credit frozen and will temporarily thaw all 3 bureaus when I apply for a new card. I am looking at opening a new checking account (Regions Bank), and I understand that it will only result in a soft pull to my credit. Can banks perform a soft pull with my credit frozen? I hope so as I don’t want to take a chance on a hard pull. Thanks!

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July 13, 2015 11:01 am

TIAA Direct - $150 Checking Bonus, Available Nationwide + $50 High Yield Savings Account - Doctor Of Credit

#153160

[…] Hard/soft pull: Hard […]

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July 31, 2015 10:40 am

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