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
- 1 121 Financial Credit Union
- 2 7 17 Credit Union
- 3 1st Advantage Federal Credit Union
- 4 1st Colonial Community Bank
- 5 1st Constitution Bank
- 6 1st Financial Federal Credit Union
- 7 1st Mariner Bank
- 8 1st Security Bank
- 9 1st Source Bank
- 10 1st United Credit Union
- 11 3Rivers Federal Credit Union
- 12 4Font Credit Union
- 13 A+ Federal Credit Union (A+FCU)
- 14 AAA
- 15 AAC Credit Union
- 16 Abington Bank
- 17 Achieva
- 18 ACNB
- 19 Acorns Bank
- 20 Addition Financial
- 21 Advance Financial Federal Credit Union (AFFCU)
- 22 Advantage Bank
- 23 Advantis Credit Union
- 24 Adventure Credit Union
- 25 Advia Credit Union
- 26 Aero Federal Credit Union
- 27 Affiliated Bank
- 28 Affinity Federal Credit Union
- 29 Air Academy Federal Credit Union
- 30 Albert Neobank
- 31 Alcoa Tenn Federal Credit Union
- 32 Alden Credit Union
- 33 All America Bank
- 34 Allegiance Credit Union
- 35 Allegius Credit Union
- 36 Alliant
- 37 Allied First Bank
- 38 AllTru Credit Union
- 39 Ally
- 40 Aloha Pacific Federal Credit Union
- 41 Altra Federal Credit Union
- 42 Amalgamated Bank
- 43 Amboy Direct
- 44 Amerant Bank
- 45 American Bank
- 46 American Bank Center
- 47 American Bank & Trust
- 48 American Commerce Bank
- 49 American Eagle Financial Credit Union
- 50 American Enterprise Bank
- 51 American Express Bluebird
- 52 American Express Serve
- 53 America First Credit Union
- 54 American Hertiage FCU
- 55 American Investors Bank & Mortgage (AIBM)
- 56 American Pride Bank
- 57 American Savings Bank (ASB) Hawaii
- 58 American Trust & Savings Bank
- 59 American United Federal Credit Union
- 60 America’s Christian Credit Union
- 61 America’s Credit Union
- 62 AmeriCU Credit Union
- 63 Ameris Bank
- 64 ANB Bank
- 65 Anchor Bank
- 66 Andrews Federal Credit Union
- 67 Andigo Credit Union
- 68 APGFCU
- 69 Apple Bank
- 70 Apple Federal Credit Union
- 71 Arbor Financial Credit Union
- 72 Ardent Credit Union
- 73 Arizona Central Credit Union
- 74 Arizona Federal Credit Union
- 75 Arizona State Credit Union (now OneAZ Credit Union)
- 76 Arkansas Federal Credit Union
- 77 Armed Forces Bank
- 78 Arrha Credit Union
- 79 Arsenal Credit Union
- 80 Arundel Federal Savings Bank
- 81 Arvest Bank
- 82 Ascend Federal Credit Union
- 83 Ashland Credit Union
- 84 Aspiration
- 85 Aspire Credit Union
- 86 Astoria Bank
- 87 Associated Bank
- 88 Associated Credit Union of Texas (ACUTX)
- 89 Associated Credit Union
- 90 Avidia Bank
- 91 Axos Bank
- 92 Ballston Spa National Bank (BSNB)
- 93 BancorpSouth
- 94 Bank7
- 95 Bank & Trust
- 96 Bankers Trust
- 97 bankESB (East Hampton Savings Bank)
- 98 Bank of America
- 99 Bank Direct
- 100 Bank of Blue Valley
- 101 Bank of Elk River
- 102 Bank Five Nine
- 103 BankFinancial
- 104 BankHometown
- 105 Bank of Hope
- 106 BankNewport
- 107 Bank Novo
- 108 Bank Independent
- 109 Bank of Canton
- 110 Bank of Greene County
- 111 Bank Of Lee’s Summit
- 112 Bank of Maine
- 113 Bank Midwest
- 114 Bank of Montgomery (BOM)
- 115 BankMutual
- 116 Bank of Elk River
- 117 Bank of Ruston
- 118 Bank Of Sun Prairie
- 119 Bank of Tennessee
- 120 Bank of The Blue Grass
- 121 Bank of the West
- 122 BankORION
- 123 Bank OZK
- 124 BankPlus
- 125 BankPurely
- 126 BankWell
- 127 Banner Bank
- 128 Banterra
- 129 Barclays
- 130 Bar Harbor Bank & Trust
- 131 Baton Rouge Telco Federal Credit Union
- 132 BayCoast Bank
- 133 BB&T
- 134 BBVA
- 135 Beacon Credit Union
- 136 Beartooth Bank
- 137 BECU
- 138 Belco Community Bank
- 139 Bell Bank
- 140 Bellco Credit Union
- 141 Belmont Savings Bank
- 142 Benchmark Federal Credit Union
- 143 Beneficial Bank
- 144 Berkshire Bank
- 145 Beverly Hill Bank
- 146 BethPage Credit Union
- 147 Better Banks
- 148 BHCU
- 149 BiddefordSavings
- 150 Blue Hills Bank
- 151 Blue Federal Credit Union
- 152 BluPeak Credit Union
- 153 BMI Federal Credit Union
- 154 BMO Harris
- 155 BMT (Bryn Mawr Trust)
- 156 BOKF (Bank of Albuquerque, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust)
- 157 Bravera Bank
- 158 Brentwood Bank
- 159 Bridge Credit Union
- 160 Bridgeview Bank Group
- 161 Brightpeak Financial
- 162 BrightStar Credit Union
- 163 Brio Direct Bank
- 164 Broadway Bank
- 165 Bryon Bank
- 166 Byline Bank
- 167 Buckeye State Bank
- 168 Bull’s Eye Credit Union
- 169 California Bank & Trust
- 170 California Coast Credit Union
- 171 California Credit Union
- 172 Callaway Bank
- 173 Cambridge Savings Bank
- 174 Camden National Bank
- 175 Capital Bank
- 176 Capital City Bank
- 177 Carver Federal Savings Bank
- 178 Cambridge Trust Company
- 179 Campus USA Credit Union
- 180 Cape Cod 5
- 181 Cap Ed Credit Union
- 182 Capital Credit Union
- 183 Capital One
- 184 Capital One 360
- 185 Capitol Bank
- 186 CBT Bank
- 187 CCFBank
- 188 Cedar Rapids Bank & Trust
- 189 CEFCU
- 190 Center Parc
- 191 Centier
- 192 Central Florida Educators Credit Union
- 193 Central Illinois Bank
- 194 Central Pacific Bank
- 195 Century Bank
- 196 Central Bank
- 197 Central Minnesota Credit Union
- 198 CFG Bank
- 199 Charter Oak
- 200 Charles Schwab
- 201 Chartway Credit Union
- 202 Charter One
- 203 Chase
- 204 Cheese
- 205 Chesapeake Bank
- 206 Chief Financial Credit Union
- 207 Christian Community Credit Union
- 208 CIBC US
- 209 Cincinnatus Savings & Loan
- 210 Cincinnati Federal
- 211 CinFed Credit Union
- 212 Citadel Credit Union
- 213 CIT Bank
- 214 Citibank
- 215 The Citizens Bank
- 216 Citizens Bank
- 217 Citizens First Bank
- 218 City National Bank (Bankatcity)
- 219 Civista Bank
- 220 Clearview Federal Credit Union
- 221 Clifton Savings Bank (CSBK)
- 222 Clinton Savings Bank
- 223 CME Federal Credit Union
- 224 C&N Bank
- 225 CNB Bank & Trust
- 226 CODE Credit Union
- 227 Collins Community Credit Union
- 228 Columbia Bank (WA, OR, ID)
- 229 Columbia Bank (NJ)
- 230 Columbia Credit Union
- 231 Comerica
- 232 Commonwealth Central Credit Union
- 233 Community Resource Credit Union
- 234 Compass Credit Union
- 235 Commerce Bank (MA)
- 236 Commerce Bank (MO, KS, IL, OK & CO)
- 237 Communication Federal Credit Union
- 238 CommonWealth Credit Union
- 239 Community Alliance Credit Union
- 240 CommunityAmerica Credit Union
- 241 Community Bank & Trust
- 242 Community Choice Credit Union
- 243 Community Choice Credit Union [IA]
- 244 Community Credit Union Florida
- 245 Community Financial Services Bank
- 246 Community First Credit Union – CA
- 247 Community First Credit Union of Florida
- 248 Community West Credit Union
- 249 Compass Federal Credit Union
- 250 ConnectOne Bank
- 251 Connex Credit Union
- 252 ConnexUs Credit Union
- 253 Consumers Credit Union
- 254 Consumers Credit Union (MI)
- 255 Consolidated Community Credit Union
- 256 Control Card
- 257 Copper Banking
- 258 Cooperative Bank of Cape Cod
- 259 Coors Credit Union
- 260 Cornerstone Bank
- 261 Cornerstone Financial Credit Union
- 262 Country Bank
- 263 Country Bank For Savings
- 264 Crane Credit Union
- 265 Credit Human
- 266 Credit Union 1
- 267 Credit Union of America
- 268 Credit Union of New Jersey
- 269 Credit Union of Ohio
- 270 Credit Union One
- 271 Credit Union of Southern California
- 272 Credit Union of Texas
- 273 Credit Union West
- 274 CrossPoint Federal Credit Union
- 275 Crystal Lake Bank
- 276 CSE Federal Credit Union
- 277 Current
- 278 Darien Rowayton Bank
- 279 DCU (Digital Federal Credit Union)
- 280 Dearborn Savings Bank (DSB)
- 281 Dedham Savings Bank
- 282 Delta Community Credit Union
- 283 Denizen
- 284 Denmark State Bank
- 285 Denver Community Credit Union
- 286 Desert Community Bank
- 287 Desert Financial Credit Union
- 288 Desert Schools Federal Credit Union
- 289 Destinations Credit Union
- 290 Devon Bank
- 291 Diamond Valley Federal Credit Union
- 292 Discover
- 293 Dollar Bank
- 294 Dollar Savings Bank
- 295 Dort Federal Credit Union
- 296 DuGood Federal Credit Union
- 297 Dundee Bank
- 298 Eagle Federal Credit Union
- 299 Earn Bank
- 300 East Boston Savings Bank
- 301 East Cambridge Savings Bank
- 302 Eastern Bank
- 303 Eastern Savings Bank
- 304 East Idaho Credit Union
- 305 Eastman Credit Union
- 306 East Wisconsin Savings Bank
- 307 EBSB Direct
- 308 ECCU
- 309 Educators Credit Union (ECU)
- 310 Edwards Federal Credit Union
- 311 Elements Financial Credit Union
- 312 Elevations Credit Union/Buff One
- 313 Elite Community Credit Union
- 314 Elko Federal Credit Union
- 315 Empire State Bank
- 316 Emprise Bank
- 317 Energy Federal Credit Union
- 318 ENT Credit Union
- 319 Enzo
- 320 Equity Bank
- 321 ESL Federal Credit Union
- 322 ESSA Bank & Trust
- 323 Essex Bank
- 324 Evanston Community Bank
- 325 Evansville Teachers Federal Credit Union
- 326 EverBank
- 327 Exchange Bank
- 328 Excite Credit Union
- 329 Extraco Banks
- 330 Fairwinds Credit Union
- 331 Family Trust Federal Credit Union
- 332 Farm Bureau Bank
- 333 Farmers Insurance Federal Credit Union
- 334 Farmers & Merchants Bank
- 335 Farmers & Merchants State Bank
- 336 Farmington Bank
- 337 FAST Credit Union
- 338 FCB Banks
- 339 FCNB Bank
- 340 FCB South County Bank
- 341 FEDCOM
- 342 FedFinancial Federal Credit Union
- 343 Fidelity (Brokerage)
- 344 Fidelity Bank (PA)
- 345 Fidelity Bank (Online, MA)
- 346 Fifth Third Bank
- 347 Figure Pay
- 348 Financial Builders
- 349 Financial Partners Credit Union
- 350 Financial Plus Credit Union
- 351 Financial Resources Credit Union
- 352 Finex Credit Union
- 353 Firefly Credit Union
- 354 First Advantage Bank
- 355 First American Bank
- 356 FirstBank
- 357 FirstBank [TN, GA, AL]
- 358 First Bank (VA, MD)
- 359 First Bank (CA, IL & MO)
- 360 First Bank and Trust
- 361 First Bank & Trust Company Illinois
- 362 First Bank Financial Centre (FBFC):
- 363 First Basin Credit Union Checking
- 364 First Citizen’s Bank
- 365 First Citrus Bank
- 366 First Commerce Credit Union
- 367 First Commonwealth Bank
- 368 First Community Bank (AR/MO)
- 369 First Entertainment Credit Union
- 370 First Federal Bank of Kansas City
- 371 First Federal Bank of Wisconsin
- 372 First Federal Credit Union
- 373 First Fidelity Bank
- 374 First Financial Federal Credit Union
- 375 First Financial Credit Union
- 376 First Financial Federal Credit Union (MD only)
- 377 First Federal Bank
- 378 First Financial Bank (AR/MS)
- 379 First Financial Bank (TX)
- 380 First Financial Bank (IL, IN, KY, OH)
- 381 First Financial Northwest Bank
- 382 First Flight Credit Union
- 383 First Florida Credit Union
- 384 First General Credit Union
- 385 First Green Bank
- 386 First Hawaiian Bank
- 387 First Home Bank
- 388 First Horizon Bank
- 389 First Internet Bank
- 390 First Jersey Credit Union
- 391 FirstLight Federal Credit Union
- 392 First-Lockhart National Bank
- 393 First Mark Credit Union
- 394 First Merchants Bank
- 395 First Merit Bank
- 396 First Midwest Bank
- 397 First National 1870
- 398 First National Bank (FNB)
- 399 First National Bank (IA)
- 400 First National Bank [UT]
- 401 First National Bank [NE]
- 402 First National Bank of Long Island
- 403 First National Bank and Trust Company
- 404 First National Bank of Waterloo
- 405 First National Bank in Staunton
- 406 First Nebraska Educators Credit Union
- 407 First Niagara
- 408 First Northern Credit Union
- 409 First Republic Bank
- 410 Firstrust Bank
- 411 First Savings Bank of Hegewisch
- 412 First Southern Bank
- 413 First South Financial
- 414 First State Bank Of Illinois
- 415 First State Community Bank
- 416 First Tech Federal Credit Union
- 417 First Tennessee
- 418 First Trade Union Bank
- 419 First United Bank
- 420 First United Credit Union
- 421 First US Community Credit Union
- 422 Fitness Bank
- 423 Fitzsimmons Credit Union
- 424 Five Star Bank
- 425 Flagship Bank
- 426 Flagstar Bank
- 427 Florence Bank
- 428 Florida Community Bank
- 429 Florida Credit Union
- 430 Flushing Bank
- 431 F&M Bank
- 432 Focus Bank
- 433 Focus Federal Credit Union
- 434 Forcht Bank
- 435 Fort Bragg Federal Credit Union
- 436 Fort Financial Credit Union
- 437 Fort Worth Community Credit Union
- 438 Four Points Federal Credit Union
- 439 FNBO
- 440 FNCB
- 441 Freedom Credit Union
- 442 Freedom Federal Credit Union
- 443 Freedom First Credit Union
- 444 Fremont Bank
- 445 Frontier Bank
- 446 Frontwave Credit Union
- 447 Fulton Bank
- 448 Garden Savings Federal Credit Union
- 449 Gate City Bank
- 450 Gateway Metro Federal Credit Union
- 451 Genisys Credit Union
- 452 Georgia Banking Company (GBC)
- 453 Georgia’s Own Credit Union
- 454 Gesa Credit Union
- 455 Gibsland Bank
- 456 Giftsforbanking
- 457 Global Credit Union
- 458 GNO Federal Credit Union
- 459 GO Federal Credit Union
- 460 GOLD Credit Union
- 461 Go2Bank
- 462 Greater Iowa Credit Union
- 463 Greater Nevada Credit Union
- 464 Great Lakes Credit Union
- 465 Great River Federal Credit Union
- 466 Great Southern Bank
- 467 Green state Credit Union
- 468 Grove City Area Federal Credit Union
- 469 Grow Financial
- 470 GTE Financial
- 471 Guardian Credit Union
- 472 Gulf Coast Bank & Trust Company
- 473 Gulf Coast Federal Credit Union
- 474 Hanmi Bank
- 475 Hanscom Federal Credit Union
- 476 HarborOne Bank
- 477 Harborstone Credit Union
- 478 Hawthorn Bank
- 479 Heartland Bank
- 480 Heartland Credit Union
- 481 Heritage Bank
- 482 Heritage Bank NW
- 483 Heritage Bank of St. Tammany
- 484 Heritage Credit Union
- 485 HeritageWest Credit Union
- 486 Hibernia Bank
- 487 Highmark Federal Credit Union
- 488 Hills Bank
- 489 Hiway Federal Credit Union
- 490 Holyoke Credit Union
- 491 Home Federal Savings Bank
- 492 Home National Bank
- 493 Home Savings Bank
- 494 Home State Bank
- 495 HomeStreet:
- 496 Hometown Community Banks
- 497 HomeTrust Bank
- 498 Honors Credit Union
- 499 Hopewell Federal Credit Union
- 500 Horizon Bank
- 501 Horizon Credit Union (WA, ID, MT)
- 502 Houston Metropolitan Federal Credit Union
- 503 HSBC
- 504 Huntington Bank
- 505 Hudson River Community Credit Union (HRCCU)
- 506 Hudson Valley Federal
- 507 IBM Southeast FECU
- 508 IBERIABANK
- 509 ICBC USA
- 510 IC Federal Credit Union
- 511 Idaho Central Credit Union (ICCU)
- 512 Ideal Credit Union
- 513 Illinois National Bank
- 514 Illinois State Credit Union
- 515 Incredible Bank
- 516 Independent Bank
- 517 InFirst FCU
- 518 InRoads Credit Union
- 519 Inspire Federal Credit Union
- 520 Inspirus Credit Union
- 521 Integrity Bank
- 522 Interior Federal Credit Union
- 523 Interra Credit Union
- 524 InTouch Credit Union
- 525 Investor Bank
- 526 Iowa State Bank
- 527 Johnson Bank
- 528 Jovia Financial Credit Union
- 529 JSC Federal Credit Union
- 530 Justice Federal Credit Union
- 531 Kabbage By AmEx
- 532 KaiPerm
- 533 Kalsee Credit Union
- 534 Katahdin Trust Company
- 535 Kearny Bank
- 536 Keesler Federal Credit Union
- 537 Kemba Financial Credit Union
- 538 Kentucky Bank
- 539 KeyPoint Credit Union
- 540 Kinderhook Bank
- 541 Kinecta
- 542 KeyBank
- 543 La Capitol Federal Credit Union
- 544 Lafayette Federal Credit Union
- 545 Lakeland Bank
- 546 Lake Michigan Credit Union (LMCU)
- 547 Lake Shore Savings
- 548 Landmark Credit Union
- 549 Land of Lincoln Credit Union
- 550 Laurel Road
- 551 LBS Financial Credit Union
- 552 Leader Bank
- 553 Ledyard Bank
- 554 LegacyTexas
- 555 LendingClub
- 556 Level One Bank
- 557 LGE Community Credit Union
- 558 Liberty Bank
- 559 Liberty Bank (CT, MA, RI)
- 560 Liberty Bank For Savings
- 561 Liberty First Credit Union
- 562 Liberty Savings Bank
- 563 Lili Bank
- 564 Linn Area Credit Union
- 565 Live Oak Bank
- 566 LM Federal Credit Union
- 567 Logix Credit Union
- 568 Long Game
- 569 LorMet Community Federal Credit Union
- 570 Los Angeles Federal Credit Union
- 571 Lyons National Bank
- 572 Macatawa Bank
- 573 Magnolia Federal Credit Union
- 574 MainSource Bank
- 575 Mainstreet Credit Union
- 576 Main Street Bank [of Michigan]
- 577 Main Street Bank [of Virginia]
- 578 Mango Money
- 579 Marcus Bank
- 580 Marine Bank
- 581 MarketUSA Federal Credit Union
- 582 Marquette Bank
- 583 Mars Bank
- 584 Mazuma Credit Union
- 585 MAX Credit Union
- 586 MB Financial Bank
- 587 Mcgraw-Hill FCU
- 588 Mcfarland State Bank
- 589 MECU Credit Union
- 590 Melrose Bank
- 591 Members Choice Credit Union
- 592 Members Cooperative Credit Union
- 593 Members Source Credit Union
- 594 Member One Federal Credit Union
- 595 Memory Bank
- 596 Memphis City ECU (MCECU)
- 597 Mercer Savings Bank
- 598 Mercury
- 599 Meridian Bank
- 600 Meridian Trust Federal Credit Union
- 601 Meritrust Credit Union
- 602 Meriwest Credit Union
- 603 Metro Credit Union
- 604 Metro Credit Union (MA)
- 605 Metro Credit Union (NE)
- 606 Michigan Schools and Government Credit Union
- 607 Middlesex Federal
- 608 Middlesex Savings Bank
- 609 MIDFLORIDA CU
- 610 MidFirst Bank
- 611 Mid-Hudson Valley Federal Credit Union
- 612 Midland States Bank
- 613 Mid Penn Bank
- 614 MidUSA Credit Union
- 615 Midwest Bank
- 616 MidWestOne Bank
- 617 Midwest Regional Bank
- 618 Mint Valley Federal Credit Union
- 619 Mission Federal Credit Union
- 620 Missouri Credit Union
- 621 Mobiloil Credit Union
- 622 MoneyLion
- 623 Monifi
- 624 Monona Bank
- 625 Monroe Bank & Trust (MBT)
- 626 Monson Savings
- 627 Montgomery County EFCU
- 628 Mountain America Credit Union
- 629 MountainOne
- 630 mph.bank
- 631 MSUFCU
- 632 My Banking Direct
- 633 My eBanc
- 634 MySavingsDirect
- 635 Mutual Bank
- 636 Mutual Security Credit Union
- 637 MVB Bank
- 638 M&F Bank
- 639 M&T Bank
- 640 M1 Finance
- 641 NASA Federal Credit Union
- 642 NASB
- 643 Nassau Financial Federal Credit Union
- 644 Nationwide Bank
- 645 Navy Federal Credit Union
- 646 NBC Oklahoma
- 647 Nearside
- 648 Neighborhood Credit Union
- 649 Neighbors Credit Union
- 650 Nevada State Bank
- 651 New Buffalo Savings Bank
- 652 Newton Federal Bank
- 653 Newtown Savings Bank (NSB)
- 654 Nexus
- 655 North Brookfield Savings Bank
- 656 North Community Bank
- 657 Northeast Credit Union
- 658 NorthOne Bank
- 659 Northern Paper Milles (NPM)
- 660 Northern Skies FCU
- 661 Northfield Bank
- 662 Northpointe
- 663 North Shore Bank
- 664 North Shore Bank (MA)
- 665 North Shore Bank of Commerce
- 666 North Shore Community Bank
- 667 North Star Credit Union
- 668 North State Bank
- 669 Northwest Bank
- 670 Northwest Bank (PA)
- 671 Northwest Federal Credit Union
- 672 Northwest Savings Bank
- 673 NWSB Bank
- 674 Numerica Credit Union
- 675 Nutmeg Credit Union
- 676 NuVision Federal Credit Union
- 677 NYCB Family Of Banks
- 678 NWFCU
- 679 Oakland University Credit Union
- 680 Ocean First Bank
- 681 Old Hickory Credit Union
- 682 Old Missouri Bank
- 683 Old National Bank
- 684 Old Second Bank
- 685 Oklahoma’s Credit Union
- 686 OMNI Community Credit Union
- 687 One American Bank
- 688 One Finance
- 689 One Nevada Credit Union
- 690 OneWest Bank
- 691 OnPoint Community Credit Union
- 692 On Tap Credit Union
- 693 Option 1 Credit Union
- 694 Orange County Credit Union
- 695 Origin Bank
- 696 Orion Federal Credit Union
- 697 Oritani Bank
- 698 Orlando Credit Union
- 699 OUR Credit Union
- 700 Pacific Service Credit Union
- 701 Palisades Credit Union
- 702 Paradise Valley Federal Credit Union
- 703 Parke Bank
- 704 Parkside Credit Union
- 705 Partner Colorado Credit Union
- 706 Patelco Credit Union
- 707 Pathways Financial Credit Union
- 708 Patriot Bank
- 709 Pelican State Credit Union
- 710 PenFed
- 711 Peninsula Federal Credit Union
- 712 Penn Community Bank
- 713 Pentucket Bank
- 714 People First Federal Credit Union
- 715 PeoplesBank (Bankatpeoples)
- 716 PeoplesBank
- 717 Peoples Bank (LA)
- 718 Peoples Bank (WA)
- 719 Peoples Bank (ibankpeoples IL, IN)
- 720 Peoples Credit Union
- 721 Peoples United Bank
- 722 Philadelphia Federal Credit Union
- 723 Picatinny Credit Union
- 724 Pikes Peak Credit Union
- 725 Pinnacle Bank
- 726 Pinnacle Financial Partners
- 727 Pioneer Valley Credit Union
- 728 Point Breeze Credit Union
- 729 Polam Federal Credit Union
- 730 Polish National Credit Union
- 731 Polish American Credit Union
- 732 Ponce Bank
- 733 Popular Bank
- 734 Popular Direct
- 735 Porte Bank
- 736 Power Financial Credit Union
- 737 PNC
- 738 Preferred Credit Union
- 739 Premier America Credit Union
- 740 Premier Bank – OH
- 741 Premier Members Credit Union
- 742 Presidential Bank
- 743 Prestige Community Credit Union
- 744 Primis Bank
- 745 PriorityONE Credit Union of Florida
- 746 PrizePool
- 747 Progressive Bank
- 748 Progessions Credit Union
- 749 Provident Bank
- 750 Provident Credit Union
- 751 Proviso Community Bank
- 752 PSE Credit Union
- 753 PSECU
- 754 Public Employees Credit Union (PECU)
- 755 Public Services Credit Union
- 756 Public Service Credit Union (IN)
- 757 Pulaski Bank
- 758 Purdue Federal Credit Union
- 759 PurePoint Financial
- 760 Putnam Bank
- 761 PyraMax Bank
- 762 Quontic Bank
- 763 Quorum Federal Credit Union
- 764 Radius Bank
- 765 Randolf Savings Bank
- 766 Reading Cooperative Bank
- 767 Real Peoples Bank
- 768 Red Rocks Credit Union
- 769 Redstone Federal Credit Union
- 770 Regions Bank
- 771 Reliabank
- 772 Reliance Bank
- 773 Reliant Bank
- 774 Reliant Community Credit Union
- 775 Republic Bank
- 776 Republic Bank (IL only)
- 777 Republic Bank (NY)
- 778 Resource One Credit Union
- 779 Revolut
- 780 Ridgewood Savings Bank
- 781 Rivermark Community Credit
- 782 River Valley Credit Union
- 783 Riverview Bank
- 784 RPT Federal Credit Union
- 785 Rockland Trust Bank
- 786 Rollstone Bank & Trust
- 787 Rosedale Federal Savings & Loan Association
- 788 Royal Bank America
- 789 Royal Credit Union
- 790 Sacramento Credit Union
- 791 SAFE Credit Union
- 792 Salal Credit Union
- 793 Salem Five Bank
- 794 Sallie Mae High-Yield Savings Account
- 795 Sandy Spring Bank
- 796 San Mateo Credit Union
- 797 Santander
- 798 Saratoga National Bank
- 799 Sauk Valley Bank
- 800 Savings Bank of Danbury
- 801 Sawyer Savings Bank
- 802 SB1 Federal Credit Union
- 803 Scient Federal Credit Union
- 804 Scott Credit Union
- 805 Seacoast Bank
- 806 SECNY Federal Credit Union
- 807 Security Bank of Crawford
- 808 Selco Community Credit Union
- 809 Select Bank & Trust
- 810 SENB Bank
- 811 Service Credit Union
- 812 Sharepoint Credit Union
- 813 Sharonview
- 814 Signature Federal Credit Union
- 815 Simmons Bank
- 816 Simsbury Bank
- 817 Simple Bank
- 818 Signature Bank of Georgia
- 819 SkyOne Federal Credit Union
- 820 Solvay Bank
- 821 Sound Credit Union
- 822 SouthEast Bank
- 823 Southeastern Credit Union
- 824 South East National Bank
- 825 Southern Bank
- 826 Southland Credit Union
- 827 South Shore Bank
- 828 Southside Bank
- 829 SouthStar Bank
- 830 South State Bank
- 831 Southwest 66 Credit Union
- 832 Space Age Federal Credit Union
- 833 Space Coast Credit Union
- 834 Spartan Federal Credit Union
- 835 SPCO Credit Union
- 836 Spiral
- 837 Spire Credit Union
- 838 SSFCU (Security Service Federal Credit Union)
- 839 S&T Bank
- 840 Star Bank
- 841 Starion Bank
- 842 Stark Federal Credit Union
- 843 State Bank of Bement
- 844 State Bank Of Cross Plains
- 845 State Bank Of India (California)
- 846 State Department Federal Credit Union
- 847 State Employees Credit Union (SECU) Of Maryland
- 848 State Security Bank
- 849 Stanford Federal Credit Union
- 850 St. Anne’s Credit Union
- 851 Star One Credit Union
- 852 STCU (Spokane Teachers Credit Union)
- 853 Sterling National Bank
- 854 St. Mary’s Bank
- 855 St Mary’s Credit Union
- 856 Stoneham Bank
- 857 St Paul Federal Credit Union
- 858 Streator Onized Credit Union (SOCU)
- 859 Sturdy Savings Bank
- 860 Suburban Bank & Trust (SBT)
- 861 Suffolk Federal Credit Union
- 862 Summit Credit Union
- 863 Summit Federal Credit Union
- 864 Sun Commnity Federal Credit Union
- 865 Sun East Federal Credit Union
- 866 Sunflower Bank
- 867 Sun National Bank
- 868 Suntrust
- 869 SunWest Credit Union
- 870 Susquehanna Community Bank
- 871 Synovus Bank
- 872 Sweet Home Federal Credit Union
- 873 TAB Bank
- 874 Talmer Bank & Trust
- 875 Taunton Federal Credit Union
- 876 TBK Bank
- 877 TCF Bank
- 878 Teachers Credit Union
- 879 Teachers Federal Credit Union
- 880 Texans Credit Union
- 881 TD Bank
- 882 Tech CU
- 883 TEG Federal Credit Union
- 884 Telco Community Credit Union
- 885 Telhio Credit Union
- 886 Texas Capital Bank
- 887 Texas Trust Credit Union
- 888 Texell Credit Union
- 889 The Bank Of Denver
- 890 The Bank of Princeton
- 891 TIAA Direct
- 892 TLC Community Credit Union
- 893 T-Mobile Money
- 894 Tobyhanna
- 895 Tompkins VIST Bank
- 896 Toro Credit Union
- 897 Torrington Savings Bank
- 898 Tower Federal Credit Union
- 899 Town Bank
- 900 Town and Country Bank
- 901 TDECU
- 902 The Columbia Bank
- 903 The Cooperative Bank
- 904 The County Federal Credit Union
- 905 The First State Bank
- 906 The State Bank Group
- 907 Thrivent Federal Credit Union
- 908 Trademark Federal Credit Union
- 909 Traditional Bank
- 910 Transcend Credit Union
- 911 TrueCore Federal Credit Union
- 912 Truist
- 913 Truity Credit Union
- 914 Truliant Federal Credit Union
- 915 TrustCo Bank
- 916 TruMark
- 917 TruStone Financial
- 918 TruWest Credit Union
- 919 TTCU (Formerly Tulsa Teachers Credit Union)
- 920 Tulsa Federal Credit Union
- 921 TwinStar Credit Union
- 922 UFB Direct
- 923 UFirst Credit Union
- 924 Ulster Savings Bank
- 925 UMB Bank
- 926 Umpqua Bank
- 927 UNFCU
- 928 UniBank
- 929 Unify
- 930 Union Plus Prepaid
- 931 Union Bank
- 932 Union Bank & Trust (NE & KS)
- 933 Union Bank & Trust (VA, MD, NC)
- 934 Union Community Bank
- 935 Union Savings Bank
- 936 Union Square Credit Union
- 937 United Bank
- 938 United Community Bank (UCB)
- 939 United Community Bank (NC, TN, SC, GA)
- 940 United Federal Credit Union
- 941 United Financial Credit Union
- 942 United Roosevelt Savings Bank
- 943 United States Senate Federal Credit Union
- 944 Unitus Community Credit Union
- 945 Unity Bank
- 946 Univest
- 947 University Federal Credit Union
- 948 U of I Community Credit Union
- 949 Upgrade
- 950 US Alliance Financial
- 951 US Community Credit Union
- 952 US Bank
- 953 USE Credit Union
- 954 US #1364 Federal Credit Union
- 955 Utah First
- 956 U$X Federal Credit Union
- 957 Wakefield Co-operative Bank
- 958 Washington Mutual
- 959 Washington Savings Bank
- 960 Washington Trust
- 961 Watertown Savings Bank
- 962 Water And Power Community Credit Union (WPCU)
- 963 WaterStone Bank
- 964 Waukesha State Bank
- 965 Wealthfront
- 966 Webster Bank
- 967 WECU
- 968 We Florida Financial
- 969 Wellesley Bank
- 970 Wells Fargo
- 971 Weokie Federal Credit Union
- 972 WesBanco
- 973 Wescom Credit Union
- 974 Westbury Bank
- 975 Western State Bank
- 976 Western Vista Credit Union
- 977 Westerra Credit Union
- 978 WestField
- 979 Westfield Bank (OH)
- 980 Westfield Bank, FSB
- 981 WestTown Bank & Trust
- 982 Whitney Bank
- 983 Widget Financial
- 984 Wilson Bank & Trust
- 985 Winden
- 986 Wings Financial Credit Union
- 987 WinTrust Bank
- 988 Woori America Bank
- 989 WyHy FCU
- 990 Valley Bank
- 991 Valley Nation Bank
- 992 Valley Strong Credit Union
- 993 VantageWest
- 994 Varo Money
- 995 Vectra Bank
- 996 Verity Credit Union
- 997 Vibrant Credit Union
- 998 Vinton County
- 999 Vio Bank
- 1000 Virginia Credit Union
- 1001 VyStar Credit Union
- 1002 Xceed Financial Credit Union
- 1003 Yolo Federal Credit Union
- 1004 Zeal Credit Union
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
Acorns Bank
- No data points
Addition Financial
Advance Financial Federal Credit Union (AFFCU)
Unknown, please share your experiences in the comments.
Advantage Bank
- No data points
Advantis Credit Union
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
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
Allied First Bank
- No data points
AllTru Credit Union
- Soft pull: 1,
Ally
Aloha Pacific Federal Credit Union
- No data points
Altra Federal Credit Union
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
American Enterprise Bank
- No data points
American Express Bluebird
American Express Serve
- Soft pull: 1
America First Credit Union
American Hertiage FCU
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
Andigo Credit Union
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
Arizona Central Credit Union
- CSR’s stated that it is a hard pull on Equifax.
Arizona Federal Credit Union
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
Arvest Bank
- Soft pull: 1
Ascend Federal Credit Union
- Hard pull: 1
Ashland Credit Union
- Soft pull: 1,
Aspiration
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
Axos Bank
- Soft pull: 1,
Ballston Spa National Bank (BSNB)
- Soft pull: 1
BancorpSouth
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
Bank Direct
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
Bank Midwest
- No data points
Bank of Montgomery (BOM)
- No data points
BankMutual
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
BankORION
- Soft pull: 1
Bank OZK
- No data points
BankPlus
- No data points
BankPurely
- Soft pull: 1
BankWell
- Soft pull: 1
Banner Bank
- 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
BBVA
Beacon Credit Union
- Hard pull: 1,
Beartooth Bank
- No data points
BECU
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
BMO Harris
BMT (Bryn Mawr Trust)
- Soft pull: 1
BOKF (Bank of Albuquerque, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust)
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
Brio Direct Bank
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
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
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
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
CFG Bank
- Soft pull: 1
Charter Oak
- No data points
Charles Schwab
Hard pull: 1, 2 (Equifax), 3,Soft pull: 1 (opted out of Margin trading & credit bureaus were having issues). Turned out to be a hard pull
Chartway Credit Union
Charter One
See: Citizens Bank. This is the same bank, just with a different branding in IL, MI, and OH.
Chase
Cheese
- Soft pull: 1,
Chesapeake Bank
- Soft pull: 1,
Chief Financial Credit Union
- No data points
Christian Community Credit Union
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
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)
Columbia Bank (NJ)
- Soft pull: 1
Columbia Credit Union
Seems to be hard online and soft in branch.
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
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
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
Consumers Credit Union
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
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
Credit Union 1
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
Credit Union of Southern California
- No data points
Credit Union of Texas
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,
Dearborn Savings Bank (DSB)
- Soft pull: 1,
Dedham Savings Bank
- Soft pull: 1 (via e-mail on 06/06/17)
Delta Community Credit Union
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
Desert Schools Federal Credit Union
- No data points
Destinations Credit Union
Devon Bank
- No data points
Diamond Valley Federal Credit Union
- No data points
Discover
Dollar Bank
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
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
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
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
EverBank
- No data points
Exchange Bank
- No data points
Excite Credit Union
- Soft pull: 1,
Extraco Banks
- No data points
Fairwinds Credit Union
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
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
First Advantage Bank
- Hard pull: 1
First American Bank
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
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):
First Basin Credit Union Checking
- No data points
First Citizen’s Bank
First Citrus Bank
- No data points
First Commerce Credit Union
- Hard pull: 1,
First Commonwealth Bank
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
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
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
First Merchants Bank
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]
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
First Northern Credit Union
- Hard pull: 1
First Republic Bank
- Soft pull: 1
Firstrust Bank
First Savings Bank of Hegewisch
- No data points
First Southern Bank
- No data points
First South Financial
First State Bank Of Illinois
First State Community Bank
- Soft pull: 1
First Tech Federal Credit Union
First Tennessee
- Soft Pull: 1
First Trade Union Bank
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
Florida Credit Union
- Hard pull: 1 (EQ)
Flushing Bank
F&M Bank
- Soft pull: 1
Focus Bank
- Soft pull: 1
Focus Federal Credit Union
- No data points
Forcht Bank
Fort Bragg Federal Credit Union
- No data points
Fort Financial Credit Union
- No data points
Fort Worth Community Credit Union
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
Frontier Bank
- Soft pull: 1,
Frontwave Credit Union
- No data points
Fulton Bank
Garden Savings Federal Credit Union
Unknown, if you have any data points then please let us know.
Gate City Bank
Gateway Metro Federal Credit Union
- Soft pull: 1
Genisys Credit Union
Georgia Banking Company (GBC)
Georgia’s Own Credit Union
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
Guardian Credit Union
- No data points
Gulf Coast Bank & Trust Company
- No data points
Gulf Coast Federal Credit Union
- Hard pull: 1,
Hanmi Bank
Hanscom Federal Credit Union
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
Heritage Bank NW
- No data points
Heritage Bank of St. Tammany
- No data points
Heritage Credit Union
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
Holyoke Credit Union
- No data points
Home Federal Savings Bank
Home National Bank
- No data points
Home Savings Bank
- No data points
Home State Bank
- No data points
HomeStreet:
Hometown Community Banks
- Soft pull: 1
HomeTrust Bank
- Soft pull: 1,
Honors Credit Union
Hopewell Federal Credit Union
No data points
Horizon Bank
- Soft pull: 1,
Horizon Credit Union (WA, ID, MT)
Houston Metropolitan Federal Credit Union
- Soft pull: 1,
HSBC
Huntington Bank
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)
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
Iowa State Bank
Johnson Bank
- Unknown, let us know in the comments.
Jovia Financial Credit Union
- No data points
JSC Federal Credit Union
Justice Federal Credit Union
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
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
La Capitol Federal Credit Union
- Hard pull: 1 (equifax)
Lafayette Federal Credit Union
Lakeland Bank
Lake Michigan Credit Union (LMCU)
Lake Shore Savings
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
Liberty Bank
- Unsure, please let us know in the comments.
Liberty Bank (CT, MA, RI)
Liberty Bank For Savings
Liberty First Credit Union
- Hard pull: 1 (Experian)
Liberty Savings Bank
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
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
MarketUSA Federal Credit Union
- No data points
Marquette Bank
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
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
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
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
Middlesex Federal
- Soft pull: 1,
Middlesex Savings Bank
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
MidUSA Credit Union
- No data points
Midwest Bank
- No data points
MidWestOne Bank
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
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
MountainOne
- Soft pull: 1
mph.bank
- Soft pull: 1,
MSUFCU
- Soft pull: 1,
My Banking Direct
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
M1 Finance
- No data points
NASA Federal Credit Union
NASB
- No data points
Nassau Financial Federal Credit Union
- No data points
Nationwide Bank
Note: You must not opt in for overdraft protection, otherwise a hard pull will be done.
More information on how this works in this post.
NBC Oklahoma
- Soft pull: 1,
Nearside
- Soft pull: 1,
Neighborhood Credit Union
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
Northern Paper Milles (NPM)
- No data points
Northern Skies FCU
- No data points
Northfield Bank
Northpointe
- Soft Pull: 1
North Shore Bank
- Soft pull
North Shore Bank (MA)
- No data points
North Shore Bank of Commerce
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
NYCB Family Of Banks
- Soft pull: 1,
NWFCU
- Soft pull: 1
Oakland University Credit Union
- No data points
Ocean First Bank
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
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
Partner Colorado Credit Union
- Hard pull: 1
Patelco Credit Union
Pathways Financial Credit Union
- Hard pull: 1
Patriot Bank
- Soft pull: 1,
Pelican State Credit Union
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).
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
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
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
Popular Direct
- Soft pull: 1,
Porte Bank
- Soft pull: 1 (sent out via e-mail 9/23)
Power Financial Credit Union
PNC
Preferred Credit Union
- Hard pull: 1
Premier America Credit Union
Premier Bank – OH
- Soft pull: 1,
Premier Members Credit Union
Presidential Bank
Prestige Community Credit Union
- No data points
Primis Bank
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
Provident Credit Union
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
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
Redstone Federal Credit Union
Regions Bank
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
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
SAFE Credit Union
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
Santander
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
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,
- Hard pull: 1,
Sharonview
- Hard pull: 1
Signature Federal Credit Union
Simmons Bank
- No data points
Simsbury Bank
- No data points
Simple Bank
- Soft Pull: 1
Signature Bank of Georgia
SkyOne Federal Credit Union
- Soft pull: 1,
Solvay Bank
- Soft pull: 1
Sound Credit Union
- Soft pull: 1
SouthEast Bank
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)
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)
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
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
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
Teachers Federal Credit Union
- Soft pull: 1,
Texans Credit Union
- Soft pull: 1
TD Bank
- Soft pull: 1
Tech CU
TEG Federal Credit Union
- No data points
Telco Community Credit Union
- No data points
Telhio Credit Union
- Hard pull (Equifax): 1
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
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
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
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
TruStone Financial
TruWest Credit Union
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
Union Plus Prepaid
- Soft pull (this is even confirmed on the home page, see picture below)
Union Bank
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
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
Unitus Community Credit Union
Unity Bank
- Soft pull: 1 (via e-mail on September 10th, 2017)
Univest
University Federal Credit Union
- Soft pull: 1,
U of I Community Credit Union
- Soft pull: 1,
Upgrade
- Soft pull: 1,
US Alliance Financial
US Community Credit Union
- No data points
US Bank
USE Credit Union
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
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
We Florida Financial
- No data points
Wellesley Bank
- No data points
Wells Fargo
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
Westerra Credit Union
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
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
Xceed Financial Credit Union
- Soft pull: 1,
Yolo Federal Credit Union
- No data points
Zeal Credit Union
- Unknown
Georgia United Credit Union CD account opening Hard pull from Experian.
CFG money market. Opened with all agencies frozen (including Chexsystems) (excluding EWS, which seems impossible to freeze).
PNC Virtual Wallet with Chexsystems frozen, in branch
Community Choice Credit Union [IA] – Hard Pull – Equifax.
Trustone Financial – Soft Pull – Very sensitive to Chexsystems
Hard Pull on Experian
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.
Thanks!! Very helpful!
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
American Heritage Credit Union does a hard pull
Ivy Bank CSR advised that they do a soft pull.
PSECU: Hard Pull on Experian
Pro Tip: If you freeze Experian before applying, they pull Transunion instead.
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.