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.

Contents

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

Addition Financial

  • Soft pull: 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

Allegius Credit Union

  • Hard pull: 1,

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

Apple Federal Credit Union

  • 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 Blue Valley

  • No data points

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

Bank of Montgomery (BOM)

  • 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 Tennessee

  • 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:

Beacon Credit Union

  • No data points

BECU

  • Soft pull: 1, 2

Belco Community Bank

  • Soft pull: 1

Bell 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

Brentwood Bank

  • No data points

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

Cap Ed Credit Union

  • Soft pull: 1,

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

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, 67)

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

Citizens First Bank

  • No data points

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, 2,

Credit Union West

  • Soft 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, 3,

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

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

Flagship Bank

  • No data points

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

Hanmi Bank

  • 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

Interra Credit Union

  • No data points

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, 2,

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

  • Hard pull: 1,

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

  • Soft pull: 1,

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, 3, 4,

Michigan Schools and Government Credit Union

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

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

  • Soft pull: 1,

Monroe Bank & Trust (MBT)

  • Soft pull: 1

Monson Savings

  • No data points

Montgomery County EFCU

  • Hard pull: 1 (Equifax)

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,
  • Soft pull: 1 (9/15/19 via e-mail)

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)

PeoplesBank

  • Soft pull: 1

Peoples Bank (LA)

  • No data points

Peoples Bank (WA)

  • No data points

Peoples Bank (ibankpeoples IL, IN)

  • 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, 4,
  • Hard pull: 1

Prestige Community Credit Union

  • No data points

Progessions Credit Union

  • No data points

Provident Bank

  • Soft pull: 1, 2,

Provident Credit Union

  • Hard pull for membership: 1
  • Soft Pull For Checking: 1, 2, 3,

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

Republic Bank (NY)

  • Soft pull: 1,

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, 13,
  • 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: 123,

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

  • Soft pull: 1,

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

Southern 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,

Starion Bank

  • No data points

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)

  • Hard pull: 1,

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

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, 4,
  • Soft pull: 1, 2, 3, 4,

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 (NE & KS)

  • No data points

Union Bank & Trust (VA, MD, NC)

  • Soft pull: 1

Union Community Bank

  • Soft pull: 1

Union Savings 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,

Waukesha State Bank

  • No data points

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

  • Hard pull: 1,
  • Soft pull: 1,

WestField

  • Soft: 1 (according to CSR)

Westfield Bank (OH)

  • No data points

Westfield Bank, FSB

  • Unknown

WestTown Bank & Trust

  • Unknown

Whitney Bank

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

Widget Financial

  • No data points

Wilson Bank & Trust

  • Soft pull: 1 (via e-mail on 7/20/19)

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

Vectra Bank

  • No data points

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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