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

7 17 Credit Union

  • No data points

1st Advantage Federal Credit Union

  • No data points

1st Colonial Community Bank

  • No data points

1st Constitution Bank

  • Soft pull: 1

1st Financial Federal Credit Union

  • No data points

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

Abington Bank

  • No data points

Achieva

  • Hard pull: 1 (all three bureaus)

ACNB

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

Acorns Bank

  • No data points

Addition Financial

  • Soft pull: 1, 2, 3,

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,
  • Soft pull: 1, 2, 3, 4,

Adventure Credit Union

  • Hard pull: 1

Advia Credit Union

  • No data points

Aero Federal Credit Union

  • No data points

Affiliated Bank

  • No data points

Affinity Federal Credit Union

  • Soft pull: 1,
  • Hard pull: 1,

Air Academy Federal Credit Union

  • Soft pull: 1,

Albert Neobank

  • Soft pull: 1,

Alcoa Tenn 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

Allied First Bank

  • No data points

AllTru Credit Union

  • Soft pull: 1,

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), 2, 3,

Amalgamated Bank

  • Soft pull: 1

Amboy Direct

  • No data points

Amerant Bank

  • No data points

American Bank

  • No data points

American Bank Center

  • No data points

American Bank & Trust

  • No data points

American Commerce Bank

  • No data points

American Eagle Financial Credit Union

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

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, 3,

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

American United Federal Credit Union

  • Hard pull: 1,

America’s Christian Credit Union

  • 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, 2,

APGFCU

  • Hard pull: 1,

Apple Bank

  • Soft pull: 1

Apple Federal Credit Union

  • Soft pull: 1,

Arbor Financial Credit Union

  • Soft pull: 1,

Ardent Credit Union

  • Soft pull: 1, 2, 3,

Arizona Central Credit Union

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

Arizona Federal Credit Union

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

Arizona State Credit Union (now OneAZ Credit Union)

  • Soft pull: 1

Arkansas Federal Credit Union

  • No data points

Armed Forces Bank

  • Soft pull: 1,

Arrha Credit Union

  • No data points

Arsenal Credit Union

  • Hard pull: 1,

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

Axos Bank

  • Soft pull: 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, 4,
  • 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,

Bank Five Nine

  • No data points

BankFinancial

  • No data points

BankHometown

  • No data points

Bank of Hope

  • Soft pull: 1,

BankNewport

  • No data points

Bank Novo

Bank Independent

  • No data points

Bank of Canton

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

Bank of Greene County

  • No data points

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 Blue Grass

  • No data points

Bank of the West

  • Soft pull: 1, 2
  • ChexSystems: 1

BankORION

  • Soft pull: 1

Bank OZK

  • No data points

BankPlus

  • No data points

BankPurely

  • Soft pull: 1

BankWell

  • Soft pull: 1

  • 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

BayCoast Bank

  • Soft pull: 1,

BB&T

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

BBVA

  • 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

  • Hard pull: 1,

Beartooth Bank

  • 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

Better Banks

  • No data points

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)

BluPeak Credit Union

  • No data points

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

Bravera Bank

  • No data points

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

Brio Direct Bank

  • Soft pull: 1, 2, 3,

Broadway Bank

  • Soft pull: 1,

Bryon Bank

  • No data points

Byline Bank

  • Soft pull: 1,

Buckeye State Bank

  • No data points

Bull’s Eye Credit Union

  • No data points

California Bank & Trust

  • No data points

California Coast Credit Union

  • Hard pull: 1,

California Credit Union

  • No data points

Callaway Bank

  • Soft pull: 1

Cambridge Savings Bank

  • Soft pull: 1

Camden National Bank

  • Soft Pull: 1
  • ChexSystems: 1

Capital Bank

  • Soft pull: 1,

Capital City Bank

  • No data points

Carver Federal Savings Bank

  • No data points

Cambridge Trust Company

  • No data points

Campus USA Credit Union

  • Hard pull: 1, 2, 3,

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,

Center Parc

  • No data points

Centier

  • No data points

Central Florida Educators  Credit Union

  • Soft pull: 1,

Central Illinois Bank

  • Soft pull: 1,

Central Pacific Bank

  • No data points

Century Bank

  • Soft pull: 1,

Central Bank

  • Soft pull: 1

Central Minnesota Credit Union

  • Soft pull: 1, 2, 3,

CFG Bank

  • Soft pull: 1

Charter Oak

  • No data points

Charles Schwab

No longer 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

Cheese

  • Soft pull: 1,

Chesapeake Bank

  • Soft pull: 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)

Cincinnatus Savings & Loan

  • No data points

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

Citizens First Bank

  • No data points

City National Bank (Bankatcity)

  • Soft pull: 1

Civista Bank

  • Soft pull: 1,

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)

C&N Bank

  • Soft pull: 1,

CNB Bank & Trust

  • No data points

CODE Credit Union

  • No data points

Collins Community Credit Union

  • Soft pull: 1,

Columbia Bank (WA, OR, ID)

  • Soft pull: 1
  • Hard 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, 2,

Comerica

  • Soft pull: 1

Commonwealth Central Credit Union

  • Hard pull: 1,

Community Resource Credit Union

  • No data points

Compass Credit Union

  • No data points

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

  • No data points

Community Alliance Credit Union

  • Unknown

CommunityAmerica Credit Union

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

Community Bank & Trust

  • Unknown

Community Choice Credit Union

  • Soft pull: 1,

Community Choice Credit Union [IA]

  • Hard pull: 1,

Community Credit Union Florida

  • Hard pull: 1,

Community Financial Services Bank

  • Soft: 1

Community First Credit Union – CA

  • No data points

Community First Credit Union of Florida

  • Soft pull: 1, 2,

Community West Credit Union

  • No data points

Compass Federal Credit Union

  • No data points

ConnectOne Bank

  • 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

Consumers Credit Union (MI)

  • Hard pull: 1 (according to csr)

Consolidated Community Credit Union

  • No data points

Control Card

  • Unknown

Copper Banking

  • Soft pull: 1,

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

  • No data points

Country Bank For Savings

  • Soft pull: 1

Crane Credit Union

  • No data points

Credit Human

  • Soft pull: s, 2,

 Credit Union 1

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

Credit Union of America

  • No data points

Credit Union of New Jersey

  • Hard pull: 1 (experian)

Credit Union of Ohio

  • No data points

Credit Union One

  • Soft pull: 1, 2,

Credit Union of Southern California

  • No data points

Credit Union of Texas

  • Hard pull: 1, 2,

Credit Union West

  • Soft pull: 1,

CrossPoint Federal Credit Union

  • No data points

Crystal Lake Bank

  • No data points

CSE Federal Credit Union

  • No data points

Current

  • Soft pull: 1,

Darien Rowayton Bank

  • Unknown

DCU (Digital Federal Credit Union)

Should now be a soft pull if you opt out of overdraft protection: 1, 2,

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
  • Soft pull: 1, 2, 3, 4,

Denizen

  • Soft pull: 1,

Denmark State Bank

  • Hard pull: 1 (transunion)

Denver Community Credit Union

  • Unknown

Desert Community Bank

  • No data points

Desert Financial Credit Union

  • Soft pull: 1, 2,

Desert Schools Federal Credit Union

  • No data points

Destinations Credit Union

  • Soft pull (Transunion): 1, 2

Devon Bank

  • No data points

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

  • Hard pull: 1,

DuGood Federal Credit Union

  • No data points

Dundee Bank

  • 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

East Idaho Credit Union

  • Hard pull: 1,

Eastman Credit Union

  • Soft pull: 1,

East Wisconsin Savings Bank

  • No data points

EBSB Direct

  • No data points

ECCU

  • Soft pull: 1, 2,

Educators Credit Union (ECU)

  • No data points

Edwards Federal Credit Union

  • 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,

Elite Community Credit Union

  • No data points

Elko Federal Credit Union

  • No data points

Empire State Bank

  • No data points

Emprise Bank

  • Soft pull: 1 (via e-mail on 10/8/19)

Energy Federal Credit Union

  • No data points

ENT Credit Union

  • Soft pull: 1, 2,

Enzo

  • Soft pull: 1,

Equity Bank

  • No data points

ESL Federal Credit Union

  • Soft pull: 1

ESSA Bank & Trust

  • No data points

Essex Bank

  • Soft pull: 1,

Evanston Community Bank

  • Soft pull: 1,

Evansville Teachers Federal Credit Union

  • Soft pull: 1, 2,

EverBank

  • No data points

Exchange Bank

  • No data points

Excite Credit Union

  • Soft pull: 1,

Extraco Banks

  • No data points

Fairwinds Credit Union

  • Soft pull: 1, 2,

Family Trust Federal Credit Union

  • No data points

Farm Bureau Bank

  • Soft pull: 1,

Farmers Insurance Federal Credit Union

  • No data points

Farmers & Merchants Bank

  • 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

FCNB Bank

  • 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, 3,

Figure Pay

  • Soft pull: 1,

Financial Builders

  • No data points

Financial Partners Credit Union

  • Soft pull: 1 (via e-mail)

Financial Plus Credit Union

  • No data points

Financial Resources Credit Union

  • No data points

Finex Credit Union

  • No data points

Firefly Credit Union

  • Hard pull: 1, 2, 3, 4,

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
  • No hard pull: 1, 2, 3

First Citrus Bank

  • No data points

First Commerce Credit Union

  • Hard pull: 1,

First Commonwealth Bank

  • Soft pull: 1, 2,

First Community Bank (AR/MO)

  • No data points

First Entertainment Credit Union

  • No data points

First Federal Bank of Kansas City

  • No data points

First Federal Bank of Wisconsin

  • Soft pull: 1, 2

First Federal Credit Union

  • Soft pull: 1 (via email on 6/7/20)

First Fidelity Bank

  • Soft pull: They have considerable advantage in getting that share.,

First Financial Federal Credit Union

  • No data points

First Financial Credit Union

  • Hard pull: 1 (TransUnion)

First Financial Federal Credit Union (MD only)

  • No data points

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 Bank (IL, IN, KY, OH)

  • Soft pull: 1 (via e-mail on 7/14)

First Financial Northwest Bank

  • No data points

First Flight Credit Union

  • Hard pull: 1 (according to CSR)
  • Soft pull: 1,

First Florida Credit Union

  • Hard pull: 1,

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 Horizon Bank

First Horizon Bank used to be First Tennessee & Capital Bank. We recommend looking at previous datapoints for those banks. Below we will only list datapoints since the name change.

  • Soft pull: 1,

First Internet Bank

  • Hard pull: 1,

First Jersey Credit Union

  • No data points

FirstLight Federal 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 (IA)

  • No data points

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 and Trust Company

  • 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

Firstrust Bank

  • Soft pull: 1, 2,

First Savings Bank of Hegewisch

  • No data points

First Southern Bank

  • No data points

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, 4, 5,

First Tennessee

  • Soft Pull: 1

First Trade Union Bank

  • Soft Pull: 1
  • Chex Inquiry: 1

First United Bank

  • Soft pull: 1

First United Credit Union

  • Hard pull: 1,

First US Community Credit Union

  • No data points

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

  • Soft pull: 1,

Florida Community Bank

  • Soft Pull: 1
  • Chex Inquiry: 1

Florida Credit Union

  • Hard pull: 1 (EQ)

Flushing Bank

  • Soft pull: 1, 2,

F&M Bank

  • Soft pull: 1

Focus Bank

  • Soft pull: 1

Focus Federal Credit Union

  • No data points

Forcht Bank

  • Soft pull: 1, 2,

Fort Bragg Federal Credit Union

  • No data points

Fort Financial Credit Union

  • No data points

Fort Worth Community Credit Union

  • Hard pull: 1, 2,

Four Points Federal Credit Union

  • No data points

FNBO

  • Soft pull: 1,

FNCB

  • Unknown

Freedom Credit Union

  • Unknown

Freedom Federal Credit Union

  • Hard pull: 1,

Freedom First Credit Union

  • No data points

Fremont Bank

  • Soft pull: 1, 2,

Frontier Bank

  • Soft pull: 1,

Frontwave Credit Union

  • No data points

Fulton Bank

  • Soft pull: 1, 2, 3,

Garden Savings Federal Credit Union

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

Gate City Bank

  • Soft pull: 1, 2,

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

Georgia’s Own Credit Union

  • Hard pull: 1 (according to CSR), 2, 3, 4,

Gesa Credit Union

  • Soft pull: 1

Gibsland Bank

  • Soft pull: 1

Giftsforbanking

  • Unknown

Global Credit Union

  • Soft pull: 1,

GNO Federal Credit Union

  • No data points

GO Federal Credit Union

  • No data points

GOLD Credit Union

  • No data points

Go2Bank

  • 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 River Federal Credit Union

  • Hard pull: 1,

Great Southern Bank

  • Soft pull: 1

Green state Credit Union

  • Soft pull: 1,

Grove City Area Federal Credit Union

  • No data points

Grow Financial

  • Soft pull: 1,

GTE Financial

  • Hard pull: 1, 2, 3, 4, 5, 6,

Guardian Credit Union

  • No data points

Gulf Coast Bank & Trust Company

  • No data points

Gulf Coast Federal Credit Union

  • Hard pull: 1,

Hanmi Bank

  • Soft pull: 1, 2,

Hanscom Federal Credit Union

  • Soft pull: 1, 2,

HarborOne Bank

  • Soft pull: 1

Harborstone Credit Union

  • No data points

Hawthorn Bank

  • 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 Bank of St. Tammany

  • No data points

Heritage Credit Union

  • Soft pull: 1, 2

HeritageWest Credit Union

  • Soft pull: 1 (according to CSR)

Hibernia Bank

  • No data points

Highmark Federal Credit Union

  • No data points

Hills Bank

  • Hard pull: 1,

Hiway Federal Credit Union

  • Hard pull: 1 (equifax), 2, 3, 4,

Holyoke Credit Union

  • No data points

Home Federal Savings Bank

  • Soft pull: 1, 2, 3,

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,

Horizon Credit Union (WA, ID, MT)

  • Hard pull: 1, 2,
  • Hard pull according to CSR

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

  • Soft pull: 1,

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)

  • Hard pull: 1,
  • Soft pull: 1,

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,

Independent Bank

  • Soft pull: 1,

InFirst FCU

  • Hard pull: 1 (Experian)

InRoads Credit Union

  • No data points

Inspire Federal 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.

Jovia Financial Credit Union

  • No data points

JSC Federal Credit Union

  • Soft pull: 1, 2,

Justice Federal Credit Union

  • Hard pull: 1, 2

Kabbage By AmEx

  • Soft Pull: 1,

KaiPerm

  • No data points

Kalsee Credit Union

  • No data points

Katahdin Trust Company

  • No data points

Kearny Bank

  • No data points

Keesler Federal Credit Union

  • Hard pull: 1, 2,

Kemba Financial Credit Union

  • No data points

Kentucky Bank

  • No data points

KeyPoint Credit Union

  • Soft pull: 1,

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

  • Soft pull: 1, 2,

 Lakeland Bank

  • Soft pull: 1, 2,

Lake Michigan Credit Union (LMCU)

  • Hard Pull (TransUnion): 1, 2,
  • Hard pull (Experian): 1,

Lake Shore Savings

  • Soft pull: 1
  • ChexSystems: 1

Landmark Credit Union

  • Soft pull: 1,

Land of Lincoln Credit Union

  • Hard pull: 1,

Laurel Road

  • Soft pull: 1,

LBS Financial Credit Union

  • Soft pull: 1,

Leader Bank

  • Soft pull: 1

Ledyard Bank

  • Soft pull: 1,

LegacyTexas

  • No data points

LendingClub

  • Soft pull: 1 (via F.A.Q)

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)

Liberty Savings Bank

  • Soft: 1, 2,

Lili Bank

  • Soft pull: 1,

Linn Area Credit Union

  • No data points

Live Oak Bank

  • Soft pull: 1 (business)

LM Federal Credit Union

  • No data points

Logix Credit Union

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

Long Game

  • No data points

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,

MAX Credit Union

  • No data points

MB Financial Bank

  • Soft pull: 1

Mcgraw-Hill FCU

  • Soft pull: 1

Mcfarland State Bank

  • No data points

MECU Credit Union

  • Hard pull: 1,
  • Soft Pull: 1,

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

Mercury

  • 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,

Metro Credit Union

  • No data points

Metro Credit Union (MA)

  • No data points

Metro Credit Union (NE)

  • No data points

Michigan Schools and Government Credit Union

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

Middlesex Federal

  • Soft pull: 1,

Middlesex Savings Bank

  • Soft pull: 1, 2,

MIDFLORIDA CU

  • Hard pull for personal accounts: 1 (Experian)

MidFirst Bank

  • Soft pull: 1

Mid-Hudson Valley Federal Credit Union

  • No data points

Midland States Bank

  • Soft pull: 1,

Mid Penn Bank

  • Hard pull: 1,
  • Soft pull: 1, 2

MidUSA Credit Union

  • No data points

Midwest Bank

  • No data points

MidWestOne Bank

  • Soft pull: 1, 2,

Midwest Regional Bank

  • Soft pull: 1

Mint Valley Federal Credit Union

  • No data points

Mission Federal Credit Union

All recent datapoints seem to show a soft pull

  • Soft pull: 1, 2,
  • Hard pull: 1, 2 (via e-mail on 2/8/20)

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)

Monifi

  • Soft pull: 1,

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, 3,
  • Soft pull: 1, 2, 3,

MountainOne

  • Soft pull: 1

mph.bank

  • Soft pull: 1,

MSUFCU

  • Soft pull: 1,

My Banking Direct

  • Soft: 1 (CSR), 2

My eBanc

  • Soft pull: 1,

MySavingsDirect

  • Soft pull: 1,

Mutual Bank

  • No data points

Mutual Security Credit Union

  • No data points

MVB Bank

  • Soft pull: 1

M&F Bank

  • No data points

M&T Bank

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

M1 Finance

  • No data points

NASA Federal Credit Union

  • Soft pull: 1
  • Hard 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

More information on how this works in this post.

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

NBC Oklahoma

  • Soft pull: 1,

Nearside

  • Soft pull: 1,

Neighborhood Credit Union

  • Hard pull: 1, 2, 3

Neighbors Credit Union

  • No data points

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

Nexus

  • No data points

North Brookfield Savings Bank

  • No data points

North Community Bank

  • Unknown

Northeast Credit Union

  • Soft pull: 1

NorthOne Bank

  • Soft pull: 1, 2,

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 (MA)

  • No data points

North Shore Bank of Commerce

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

North Shore Community Bank

  • No data points

North Star Credit Union

  • No data points

North State Bank

  • No data points

Northwest Bank

  • Soft pull: 1

Northwest Bank (PA)

  • No data points

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, 2,

Old Hickory Credit Union

  • Hard pull: 1,

Old Missouri Bank

  • Soft: 1 (via e-mail on 02/20/17)

Old National Bank

  • Soft pull: 1

Old Second Bank

  • Soft pull: 1

Oklahoma’s Credit Union

  • No data points

OMNI Community Credit Union

  • Hard pull: 1, 2,

One American Bank

  • Soft pull: 1,

One Finance

  • 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.

OnPoint Community Credit Union

  • Soft pull: 1,

On Tap Credit Union

  • Hard pull: 1,

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

Orlando Credit Union

  • Soft pull: 1,

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

Patriot Bank

  • Soft pull: 1,

Pelican State Credit Union

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

PenFed

Conflicting reports on hard or soft. It seems that it’s a soft pull to join and open an account, provided you OPT OUT of overdraft protection (1).

  • Soft pull: 1, 2, 3, 4, 5, 6, 7, 8,
  • Hard pull: 1 (report was frozen at first), 2

Peninsula Federal Credit Union

  • Hard pull: 1 (Equifax)

Penn Community Bank

  • No data points

Pentucket Bank

  • Soft pull: 1,

People First Federal Credit Union

  • 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

Philadelphia Federal Credit Union

  • No data points

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

  • Soft pull: 1,

Pioneer Valley Credit Union

  • No data points

Point Breeze Credit Union

  • No data points

Polam Federal Credit Union

  • No data points

Polish National Credit Union

  • No data points

Polish American Credit Union

  • No data points

Ponce Bank

  • No data points

Popular Bank

  • Soft Pull: 1, 2

Popular Direct

  • Soft pull: 1,

Porte Bank

  • Soft pull: 1 (sent out via e-mail 9/23)

Power Financial Credit Union

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

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 Bank – OH

  • Soft pull: 1,

Premier Members Credit Union

  • Soft pull: 1 (via e-mail on 10/15/17), 2, 3, 4,
  • Hard pull: 1

Presidential Bank

  • Soft pull: 1, 2

Prestige Community Credit Union

  • No data points

Primis Bank

  • Soft pull: 1, 2,

PriorityONE Credit Union of Florida

  • No data points

PrizePool

  • Soft pull: 1,

Progressive Bank

  • 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, 4,

Proviso Community Bank

  • No data points

PSE Credit Union

  • No data points

PSECU

  • Hard pull: 1, 2, 3, 4, 5, 6, 7, 8, 9,
  • Soft pull: 1,

Public Employees Credit Union (PECU)

  • No data points

Public Services Credit Union

Hard pull: 1

Public Service Credit Union (IN)

  • No data points

Pulaski Bank

  • No data points

Purdue Federal Credit Union

  • Soft pull: 1,

PurePoint Financial

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

Putnam Bank

  • No data points

PyraMax Bank

  • No data points

Quontic Bank

  • Soft pull: 1,

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), 2,

Redstone Federal Credit Union

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

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 (IL only)

  • No data points

Republic Bank (NY)

  • Soft pull: 1,

Resource One Credit Union

  • Soft pull: 1,

Revolut

  • Soft pull: 1,

Ridgewood Savings Bank

  • Soft pull: 1

Rivermark Community Credit

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

River Valley Credit Union

  • No data points

Riverview Bank

  • No data points

RPT Federal Credit Union

  • No data points

Rockland Trust Bank

  • Soft pull: 1,

Rollstone Bank & Trust

  • No data points

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)
  • Soft pull: 1, 2, 3, 4,

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, 14,
  • 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,

Saratoga National Bank

  • No data points

Sauk Valley Bank

  • No data points

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

SECNY Federal Credit Union

  • No data points

Security Bank of Crawford

  • Soft pull: 1, 2,

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
  • Hard pull: 1,

Simmons Bank

  • No data points

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

  • Soft pull: 1,

Solvay Bank

  • Soft pull: 1

Sound Credit Union

  • Soft pull: 1

SouthEast Bank

  • Soft pull: 1, 2, 3,

Southeastern Credit Union

  • No data points

South East National Bank

  • No data points

Southern Bank

  • No data points

Southland Credit Union

  • Soft pull: 1,

South Shore Bank

  • Soft pull: 1,

Southside Bank

  • No data points

SouthStar Bank

  • No data points

South State Bank

  • Soft pull: 1

Southwest 66 Credit Union

  • No data points

Space Age Federal Credit Union

  • No data points

Space Coast Credit Union

  • No data points

Spartan Federal Credit Union

  • No data points

SPCO Credit Union

  • Soft pull: 1,

Spiral

  • 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

  • Soft pull: 1,

Stark Federal Credit Union

  • 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

St. Anne’s Credit Union

  • No data points

Star One Credit Union

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

STCU (Spokane Teachers Credit Union)

  • Hard pull: 1, 2,

Sterling National Bank

  • Soft pull: 1,

St. Mary’s Bank

  • Soft pull: 1,

St Mary’s Credit Union

  • No data points

Stoneham Bank

  • Soft pull: 1

St Paul Federal Credit Union

  • Hard pull: 1

Streator Onized Credit Union (SOCU)

  • No data points

Sturdy Savings Bank

  • No data points

Suburban Bank & Trust (SBT)

  • Unknown

Suffolk Federal Credit Union

  • No data points

Summit Credit Union

Summit Federal Credit Union

  • Soft pull: 1,

Sun Commnity Federal Credit Union

  • No data points

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

SunWest Credit Union

  • No data points

Susquehanna Community Bank

  • Soft pull: 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

TBK Bank

  • Soft pull: 1,

TCF Bank

  • Soft pull: 1

Teachers Credit Union

  • Soft pull: 1, 2,

Teachers Federal Credit Union

  • 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

Texas Capital Bank

  • Soft pull: 1,

Texas Trust Credit Union

  • Hard pull: 1,

Texell Credit Union

  • Unknown

The Bank Of Denver

  • Soft pull: 1,

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

TLC Community Credit Union

  • Hard pull: 1,

T-Mobile Money

  • Soft pull: 1, 2,

Tobyhanna

  • Hard pull: 1

Tompkins VIST Bank

  • Soft pull: 1

Toro Credit Union

  • No data points

Torrington Savings Bank

  • No data points

Tower Federal Credit Union

  • No data points

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, 5,
  • Soft pull: 1, 2, 3, 4,

The Columbia Bank

  • No data points

The Cooperative Bank

  • No data points

The County Federal Credit Union

  • No data points

The First State Bank

  • No data points

The State Bank Group

  • Soft pull: 1, 2, 3,

Thrivent Federal Credit Union

  • Soft pull: 1,

Trademark Federal Credit Union

  • No data points

Traditional Bank

  • No data points

Transcend Credit Union

  • No data points

TrueCore Federal Credit Union

  • No data points

Truist

  • No data points

Truity Credit Union

  • Hard pull: 1

Truliant Federal Credit Union

  • No data points

TrustCo Bank

  • Soft pull: 1

TruMark

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

TruStone Financial

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

TruWest Credit Union

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

TTCU (Formerly Tulsa Teachers Credit Union)

  • Soft pull: 1,

Tulsa Federal Credit Union

  • No data points

TwinStar Credit Union

  • Hard pull: 1

UFB Direct

  • Soft pull: 1

UFirst Credit Union

  • No data points

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)

  • Soft pull: 1 (via e-mail on 1/11/2020)

Union Bank & Trust (VA, MD, NC)

Now called Atlantic Credit Union

  • Soft pull: 1, 2,

Union Community Bank

  • Soft pull: 1

Union Savings Bank

  • Soft pull: 1,

Union Square Credit Union

  • Soft pull: 1,

United Bank

  • No data points

United Community Bank (UCB)

  • No data points

United Community Bank (NC, TN, SC, GA)

  • No data points

United Federal Credit Union

  • Soft pull: 1,

United Financial Credit Union

  • No data points

United Roosevelt Savings Bank

  • Soft pull: 1,

United States Senate Federal Credit Union

  • Soft pull: 1, 2,

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,

Upgrade

  • Soft pull: 1,

US Alliance Financial

  • Soft pull: 1, 2,

US Community Credit Union

  • No data points

US Bank

  • Soft pull: 1
  • Chex inquiry: 1

USE Credit Union

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

US #1364 Federal Credit Union

  • No data points

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

WECU

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

We Florida Financial

  • No data points

Wellesley Bank

  • No data points

Wells Fargo

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

Weokie Federal Credit Union

  • No data points

WesBanco

  • Soft Pull: 1

Wescom Credit Union

  • Soft pull: 1,

Westbury Bank

  • No data points

Western State Bank

  • Soft pull: 1,

Western Vista Credit Union

  • Hard pull: 1 (when becoming member),2,

Westerra Credit Union

  • Hard pull: 1,
  • Soft pull: 1,

WestField

  • Soft: 1 (according to CSR)

Westfield Bank (OH)

  • Soft pull: 1,

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), 2,

Winden

  • Soft pull (home page says no credit check)

Wings Financial Credit Union

  • Hard pull: 1, 2,

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

Valley Strong Credit Union

  • Soft pull: 1 (7/26/22)

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), 2,

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,

VyStar Credit Union

  • Soft pull: 1, 2,

Xceed Financial Credit Union

  • Soft pull: 1,

Yolo Federal Credit Union

  • No data points

Zeal Credit Union

  • Unknown

 

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Alti
Alti

Georgia United Credit Union CD account opening Hard pull from Experian.

Vote Up0Vote Down  Reply
March 11, 2023, 19:52 7:52 pm
Anonymous
Anonymous

CFG money market. Opened with all agencies frozen (including Chexsystems) (excluding EWS, which seems impossible to freeze).

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February 6, 2023, 23:12 11:12 pm
;lsak
;lsak

PNC Virtual Wallet with Chexsystems frozen, in branch

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January 23, 2023, 00:51 12:51 am
RBgh
RBgh

Community Choice Credit Union [IA] – Hard Pull – Equifax.
Trustone Financial – Soft Pull – Very sensitive to Chexsystems

Vote Up0Vote Down  Reply
December 31, 2022, 13:40 1:40 pm
Alex levy
Alex levy

Hard Pull on Experian

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November 30, 2022, 05:30 5:30 am
Gadget - Bank Bonus Geek
Gadget - Bank Bonus Geek

Posting this here, as it’s a nice tip someone taught me. If you are unable to pull your Experian credit report via Annual Credit Report but want to see your Soft Inquires and see what banks are snooping on your reports (which is not accessible on the free Experian site), there is a hack/cheat. You can click on the link to submit a dispute inside Experian.com and it will show you all your hard and soft inquiries. You can just exit without submitting a dispute.
This only applies to Experian.

Vote Up6Vote Down  Reply
October 21, 2022, 01:00 1:00 am
Yj32
Yj32

Gadget

Thanks!! Very helpful!

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October 21, 2022, 06:35 6:35 am
Dan
Dan

This is a great tip. Thanks!
For others reading, here’s the direct link to start a dispute: https://usa.experian.com/member/dispute/getStarted
You’ll need to go into the Inquiries tab and expand the “Soft inquiries” header

Vote Up1Vote Down  Reply
November 26, 2022, 17:56 5:56 pm
Bdon
Bdon

American Heritage Credit Union does a hard pull

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September 27, 2022, 10:51 10:51 am
Beltway
Beltway

Ivy Bank CSR advised that they do a soft pull.

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August 22, 2022, 10:13 10:13 am
Tony
Tony

PSECU: Hard Pull on Experian

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August 8, 2022, 11:35 11:35 am
Gadget - Bank Bonus Geek
Gadget - Bank Bonus Geek

Pro Tip: If you freeze Experian before applying, they pull Transunion instead.

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October 21, 2022, 00:40 12:40 am
gary
gary

has anyone seen this for denial Key factors that adversely affected your ChexSystems score:
z2 THIRD-PARTY SECURITY FRZ ALERT

i called chex and verified they dont have a security freeze in place
i had the credit union try again same result
this happened at 2 cu’s
Hanscom FCU and GTE finanical.
I already have an account at gte was adding an additional product.

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July 22, 2022, 18:39 6:39 pm