Is Opening A Bank Account A Soft Or Hard Pull?

fThat 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

  • Soft pull: 1,

5Point Credit Union

  • No data points

A+ Federal Credit Union (A+FCU)

Hard pull: 1

AAA

Unknown

AAC Credit Union

  • Soft pull 1 (according to rep)

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,

Adirondack Bank

  • No data points

Advance Financial Federal Credit Union (AFFCU)

Unknown, please share your experiences in the comments.

Advantage Bank

  • No data points

Advantage Credit Union

  • No data points

Advantis Credit Union

  • Hard pull: 1, 2,
  • Soft pull: 1, 2, 3, 4, 5,

Adventure Credit Union

  • Hard pull: 1

Advia Credit Union

  • No data points

Aero Federal Credit Union

  • No data points

AFFCU

  • No data points

Affiliated Bank

  • Soft pull: 1,

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

AltaOne 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

  • Soft pull: 1,

American Bank & Trust SD & MN

  • 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

  • Soft pull: 1,

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

  • Hard pull: 1,

America’s Credit Union

  • Hard pull: 1

AmeriCU Credit Union

  • No data points

Ameriprise Financial

  • 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,

ANECA Credit Union

  • Soft pull: 1,

Anoka Hennepin Credit Union

  • Hard pull: 1,

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 Financial Credit Union

  • Soft 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

Arrow Bank

  • 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

Ascent Credit Union

  • No data points

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

Austin Bank

  • No data points

Avadian 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 Hawaii

  • 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 Midwest (KS & MO)

  • 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,

Baselane

  • No data points

Bask Bank

  • No data points

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

  • Soft pull: 1 (via e-mail on 10/6/24)

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

Blackhawk Bank & Trust

  • No data points

Blaze Credit Union

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

Blue Hills Bank

  • Soft pull: 1

Blue Federal Credit Union

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

Blue Foundry Bank

  • No data points

BlueVine

  • No hard pull: 1

BluPeak Credit Union

  • Soft pull: 1,

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, 2,

Broadview Federal Credit Union

  • No data points

Bryon Bank

  • No data points

Byline Bank

  • Soft pull: 1,

Buckeye State Bank

  • No data points

Buckeye State Credit Union

  • No data points

Bull’s Eye Credit Union

  • No data points

Busey Bank

  • Soft pull: 1,

California Bank & Trust

  • No data points

California Coast Credit Union

  • Hard pull: 1,
  • Soft 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,

Canyon View Credit Union

  • None

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,

CenterBank

  • No data points

Center Parc

  • No data points

Centier

  • No data points

Centra Credit Union

  • No data points

Central Florida Educators  Credit Union

  • Soft pull: 1,

Central Illinois Bank

  • Soft pull: 1,

Central Pacific Bank

  • No data points

Central Willamette Credit Union

  • Hard pull: 1,

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 Mark Federal Credit Union

  • No data points

City National Bank (Bankatcity)

  • Soft pull: 1

City & County Credit Union

  • No data points

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

Coastal Credit Union

  • Soft pull: 1, 2,

Cobalt Credit Union

  • No data points

CODE Credit Union

  • No data points

Collins Community Credit Union

  • Soft pull: 1,

Columbia Bank (WA, OR, ID)

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

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 Community 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) 2,
  • 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 Credit Union

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

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 State Bank

  • No data points

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

Corda Credit Union

  • No data points

Cornerstone Bank

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

Cornerstone Financial Credit Union

  • Hard pull: 1, 2,

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

  • Hard pull: 1,

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 the Rockies

  • No data points

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,

Cyprus Credit Union

  • No data points

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)

Del Norte Credit Union

  • Soft pull: 1,

Delta Community Credit Union

  • Hard pull: 1, 2
  • Soft pull: 1, 2, 3, 4, 5,

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

DuPage Credit Union

  • Hard pull; 1, 2,

Dundee Bank

  • No data points

Dupaco 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

  • Soft pull: 1,

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,

Educational Systems Federal Credit Union

  • Hard pull: 1, 2, 3, 4, 5,
  • Soft pull: 1,

Educators Credit Union (ECU)

  • No data points

Edwards Federal Credit Union

  • No data points

EECU

  • Soft pull: 1, 2,

Element 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

Energy One 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,

E*Trade

  • No data points

Eureka Savings Bank

  • No data points

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,

Expedition Credit Union

  • Hard 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

  • Soft pull: 1, 2, 3, 4,

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,

Fidelity Bank (Bank With Fidelity)

  • No data points

Fidelity Bank [KS, OK, MO]

  • No data points

Fierce Finance

  • No data points

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, 2,

First Bank and Trust

  • Soft pull: 1

First Bank of Manhattan

  • No data points

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 Community Credit Union

  • No data points

First Entertainment Credit Union

  • No data points

First Federal Bank (FL)

  • 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

  • Soft pull: 1, 2,
  • 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 of Texas

  • No data points

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, 2,

First Republic Bank

  • Soft pull: 1

Firstrust Bank

  • Soft pull: 1, 2,

First Savings Bank of Hegewisch

  • No data points

First Service Bank

  • No data points

First Service Credit Union

  • 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, 6,

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

  • Hard pull: 1, 2,

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, 2,

Florence Bank

  • Soft pull: 1,

Florida Community Bank

  • Soft Pull: 1
  • Chex Inquiry: 1

Florida Credit Union

  • Hard pull: 1 (EQ), 2,

Florida West Coast Credit Union

  • No data points

Flushing Bank

  • Soft pull: 1, 2,

F&M Bank

  • Soft pull: 1

F&M Bank (VA Only)

  • No data points

F&M Bank (IN, OH)

  • Soft pull: 1,

F&M Trust

  • No data points

Focus Bank

  • Soft pull: 1

Focus Federal Credit Union

  • No data points

Forcht Bank

  • Soft pull: 1, 2,

Fort Bragg Federal Credit Union

  • Hard pull: 1,

Fort Financial Credit Union

  • No data points

Fort Worth Community Credit Union

  • Hard pull: 1, 2,

Found

  • Soft pull: 1,

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

FSB Bank

  • No data points

Fulton Bank

  • Soft pull: 1, 2, 3,

Gain Federal Credit Union

  • No data points

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 First Bank

  • Soft pull: 1,

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, 5,

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

  • Soft pull: 1,

Granite Credit Union

  • Soft pull: 1,

Grasshopper

  • Soft pull: 1,

GR Consumers Credit Union

  • No data points

Greater Iowa Credit Union

  • Soft pull: 1,

Greater Nevada Credit Union

  • Soft pull according to CSR

Great Lakes Credit Union

  • Hard pull: 1

Great Plains Bank

  • No data points

Great River Federal Credit Union

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

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

Harford Bank

  • No data points

Harvard Federal Credit Union

  • No data points

HawaiiUSA Federal Credit Union

  • No data points

Hawthorn Bank

  • No data points

Heartland Bank

  • No data points

Heartland Credit Union

  • Hard pull: 1

Hercules First Federal Credit Union

  • No data points

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

Heritage Financial Credit Union

  • No data points

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, 3,
  • Hard pull according to CSR

Horizon Federal Credit Union

  • No data points

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,

Independent Financial

  • No data points

Indiana Members Credit Union

  • Hard pull: 1,

InFirst FCU

  • Hard pull: 1 (Experian)

InRoads Credit Union

  • No data points

Inspire Federal Credit Union

  • Hard pull: 1 (9/24/23)
  • Soft pull: 1,

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),

Island Federal Credit Union

  • No data points

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

Keen 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

Kirkpatrick Bank

  • No data points

Kitsap Credit Union

  • 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,

LA Financial Credit Union

  • No data points

 Lakeland Bank

  • Soft pull: 1, 2,

Lake Michigan Credit Union (LMCU)

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

Lake Ridge Bank

  • No data points

Lake Shore Savings

  • Soft pull: 1
  • ChexSystems: 1

Langley Federal Credit Union

  • Soft pull: 1,

La Loma Federal Credit Union

  • No data points

Landmark Credit Union

  • Soft pull: 1,

Land of Lincoln Credit Union

  • Hard pull: 1,
  • Soft pull: 1,

Las Colinas Federal Credit Union

  • No data points

Laurel Road

  • Soft pull: 1,

LBS Financial Credit Union

  • Soft pull: 1,

Leader Bank

  • Soft pull: 1

Ledyard Bank

  • Soft pull: 1,

Legacy Bank (KS)

  • No data points

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,

Lone Star National Bank

  • No data points

Long Game

  • No data points

LorMet Community Federal Credit Union

  • No data points

Los Angeles Federal Credit Union

  • Hard pull: 1

Loyalty Credit Union

  • No data points

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

Marathon Bank

  • No data points

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

Maspeth Federal Savings

  • 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

  • Hard pull: 1,

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 Minnesota Federal Credit Union

  • No data points

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

Minnequa Works Credit Union

  • No data points

Minnwest Bank

  • Soft pull: 1, 2,

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,

Muncipal Credit Union

  • Soft pull: 1,

Mutual Bank

  • No data points

Mutual Security Credit Union

  • No data points

MVB Bank

  • Soft pull: 1

MyUSA Credit Union

  • 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, 2,
  • 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.

Navigant Credit Union

No data points

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 Bank of Rockford

  • No data points

Northwest Federal Credit Union

  • Soft pull: 1,

Northwest Plus Credit Union

  • No data points

Northwest Savings Bank

Select “No” for overdraft protection to avoid hard pull

  • Soft Pull: 1
  • Chex Inquiry:

Notre Dame Federal Credit Union

  • No data points

NWSB Bank

  • No data points

Numerica Credit Union

  • Soft pull: 1,

Nutmeg Credit Union

  • Hard pull: 1

NuVision Federal Credit Union

  • Soft Pull: 1
  • Chex Inquiry: 1

NVE Bank

  • No data points

NYCB Family Of Banks

  • Soft pull: 1,

NWFCU

  • Soft pull: 1

Oakland University Credit Union

  • No data points

OakStar Bank

  • 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.

Oostburg State Bank

  • No data points

OnPoint Community Credit Union

  • Soft pull: 1,

On Tap Credit Union

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

Option 1 Credit Union

  • Hard pull: 1

Orange County Credit Union

  • Soft pull: 1

Oregon State Credit Union

  • No data points

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,

Oxygen

  • No data points

P1FCU

  • Soft pull: 1,

Pacific Service Credit Union

  • Unknown

Palisades Credit Union

  • No data points

Paradise Valley Federal Credit Union

  • No data points

Park National Bank

  • 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)

Pathfinder Bank

  • No data points

Pathways Financial Credit Union

  • Hard pull: 1
  • Soft pull: 1,

Patriot Bank

  • Soft pull: 1,

Pelican State Credit Union

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

Penn East Federal Credit Union

  • No data points

People Driven Credit Union

  • 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

  • Soft pull: 1, 2,

Pentucket Bank

  • Soft pull: 1,

People First Federal Credit Union

  • Soft pull: 1,

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

Pima Federal Credit Union

  • No data point

Pinnacle Bank

  • Soft pull: 1, 2

Pinnacle Financial Partners

  • Soft pull: 1,

Pioneer Valley Credit Union

  • No data points

Pittsfield Coop Bank

  • Soft pull:1,

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)

Portland Federal Credit Union (PFCU)

  • Soft pull: 1,

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,

ProFed Credit Union

  • No data points

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

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

Quad City Bank & Trust

  • 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, 5,

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 Canoe Credit Union

  • No data points

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,

Redwood Credit Union

  • Soft pull: 1 (via e-mail on 1/28/24)

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

  • Soft pull: 1, 2,

Republic Bank (IL only)

  • No data points

Republic Bank (NY)

  • Soft pull: 1,

Resource One Credit Union

  • Soft pull: 1,

REV Financial Credit Union

  • Soft pull: 1 (reports frozen), 2 (reports frozen), 3,

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

Route 31 Credit Union

  • 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,

Safe 1 Credit Union

  • No data points

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 1st Federal Credit Union

  • Soft pull: 1,

Service Credit Union

  • Soft pull: 1,

SF Fire 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,

SLFCU

  • 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
  • Hard 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.

Spokane City Credit Union

  • No data points

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

Star of Texas Credit Union

  • No data points

STCU (Spokane Teachers Credit Union)

  • Hard pull: 1, 2,

Step App

  • Soft pull: 1,

Sterling National Bank

  • Soft pull: 1,

St. Mary’s Bank

  • Soft pull: 1,

St Mary’s Credit Union

  • No data points

Stock Yards Bank & Trust

  • No data point

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 Credit Union

  • No data points

Suffolk Federal Credit Union

  • No data points

Summit Credit Union

Summit Federal Credit Union

  • Soft pull: 1,

Sun Canyon Bank

  • Soft pull: 1,

Suncoast 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,

Sunmark Credit Union

  • No data points

Sun National Bank

  • No data points

Suntrust

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

SunWest Credit Union

  • No data points

Superior 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

  • Soft pull: 1,
  • 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,

The Police Credit Union

  • 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,

The Union Bank Co

  • No data points

ThinkBank

  • No data points

Thomaston Savings Bank

  • No data points

Thrivent Federal Credit Union

  • Soft pull: 1,

Trademark Federal Credit Union

  • No data points

Traditional Bank

  • No data points

Traditions Bank

  • Soft pull: 1,

Transcend Credit Union

  • No data points

Travis Credit Union

  • Soft pull: 1,

TruChoice Federal Credit Union

  • Soft pull: 1,

TrueCore Federal Credit Union

  • No data points

Truist

  • No data points

Truity Credit Union

  • Hard pull: 1

Truliant Federal Credit Union

  • No data points

TruPartner 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

Tyndall Federal Credit Union

  • Soft pull: 1,

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

  • Soft pull: 1, 2,

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 Heritage Credit Union

  • Soft pull: 1,

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)

Unity One Credit Union

  • No data points

Univest

  • Soft pull: 1
  • Hard pull: 1, 2

University Credit Union

  • Soft pull: 1, 2,

University Federal Credit Union

  • Soft pull: 1,

University of Kentucky Federal Credit Union

  • No data points

U of I Community Credit Union

  • Soft pull: 1,

Upgrade

  • Soft pull: 1,

USAA

  • No data points

US Alliance Financial

  • Soft pull: 1, 2,

USC Credit Union

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,

USF Federal Credit Union

  • 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

Walden Savings Bank

  • No data points

Wallet by Boss Money

  • Soft pull: 1,

Washington Mutual

  • Soft pull: 1
  • Chex inquiry: 1

Washington Savings Bank

  • Soft pull: 1,

Washington Trust

  • No data points

Watertown Savings Bank

  • Soft pull: 1,

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,
  • Soft pull: 1, 2, 3, 4,

WinTrust Bank

  • Soft pull: 1,

Woori America Bank

  • Soft pull: 1,

WSFS Bank

  • No data points

WyHy FCU

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

Wysh

  • Soft pull: 1,

Valley Bank

  • Unknown

Valley First Credit Union

  • No data points

Valley Nation Bank

  • Soft pull: 1

ValleyStar Credit Union

  • No data points

Valley Strong Credit Union

  • Soft pull: 1 (7/26/22)

Vantage Credit Union

  • No data points

VantageWest

  • Soft pull: 1,

Varo Money

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

Vectra Bank

  • No data points

Veridian Credit Union

  • Soft pull: 1,

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,

Visions Federal 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

ZYNLO Bank

  • No data points

 

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235 Comments
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Ben
Ben (@guest_2039546)
April 7, 2025 11:38
#2039546

Sorry if the wrong thread. I’ve been searching both DoC and reddit, and can’t find a definitive answer.

Does getting denied due to chex, flag me higher than usual with other banks?
I’m at 13 accounts opened the past 14 months. I’m looking at some easily attainable bonus’ that seem more chex sensitive, vs a few that have to earn bonus’ for my situation (along with some churn options).

I’d like to try open the easier ones, but I don’t want a denial to make it more difficult with the harder options / churns.

Thanks in advance

0
Reply
lolo
lolo (@guest_2028632)
March 22, 2025 01:39
#2028632

Chartway Credit Union：hard pull of chex

1
Reply
anon
anon (@guest_1927847)
October 7, 2024 23:31
#1927847

Denied at Valley Bank. Was told denial was due to Chex check.

1
Reply
A
A (@guest_1876723)
July 17, 2024 23:11
#1876723

Denied Bank of America for EWS. Too many recent inquiries/length of relationship with multiple banks. There was a comment about “due to number of returned checks in last 30 days” but there shouldn’t be anything like that on my report.

1
Reply
Teddy_P93
Teddy_P93 (@guest_1829871)
April 12, 2024 10:00
#1829871

Finex Credit Union: Hard pull. Confirmed with staff.

0
Reply
Really
Really (@guest_1822375)
March 29, 2024 13:08
#1822375

Where is/are the definitions of each in stone? Has ANYONE seen the genesis of these phony definitions?

0
Reply
Summer
Summer (@guest_1816893)
March 20, 2024 03:57
#1816893

Is this a hard pull or a soft pull? Can other people please add your datapoints?

0
Reply
007
007 (@guest_1816902)
March 20, 2024 04:48
#1816902
  Summer

Did you mean to reply to a comment about a specific bank or credit union?

0
Reply
Summer
Summer (@guest_1816922)
March 20, 2024 08:18
#1816922
  007

oh sorry i thought this was the Florida Credit Union post

0
Reply
007
007 (@guest_1816938)
March 20, 2024 09:00
#1816938
  Summer

No worries. Wanted to make sure your question gets answered.

0
Reply
Wavy
Wavy (@guest_1813816)
March 14, 2024 15:44
#1813816

First Northern Credit Union (IL) pulls Transunion and Chex for deposit accounts.

1
Reply
Wavy
Wavy (@guest_1812548)
March 12, 2024 13:27
#1812548

Encurage Financial Network Credit Union (previously First Financial Credit Union) is no longer a HP for new memberships per email. Pulls chex

1
Reply
Gold
Gold (@guest_1797785)
February 14, 2024 18:26
#1797785

Communications Federal Credit Union is an HP. Was about to join but it says that they will check your credit. Called in and confirmed it would’ve been a hard pull. Sucks bc they accept CC funding.

0
Reply