Is Opening A Bank Account A Soft Or Hard Pull?

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

121 Financial Credit Union

• No data points

7 17 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

Achieva

• Hard pull: 1 (all three bureaus)

ACNB

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

Addition Financial

• Soft pull: 1,

Advance Financial Federal Credit Union (AFFCU)

Unknown, please share your experiences in the comments.

Advantage Bank

• No data points

Advantis Credit Union

• Hard pull: 1, 2,

Adventure Credit Union

• Hard pull: 1

Aero Federal Credit Union

• No data points

Affiliated Bank

• No data points

Affinity Federal Credit Union

• Soft pull: 1,

Air Academy Federal Credit Union

• Soft pull: 1,

Alden Credit Union

• Soft pull: 1

All America Bank

• Soft pull: 1

Allegiance Credit Union

• No data points

Allegius Credit Union

• Hard pull: 1,

Alliant

• Soft pull: 1, 2, 3, 4

Ally

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

Aloha Pacific Federal Credit Union

• No data points

Altra Federal Credit Union

• Hard pull: 1 (TU), 2, 3,

Amalgamated Bank

• Soft pull: 1

Amboy Direct

• No data points

American Bank

• No data points

American Bank Center

• No data points

American Commerce Bank

• No data points

American Eagle Financial Credit Union

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

American Enterprise Bank

• No data points

American Express Bluebird

• Soft pull: 1, 2

American Express Serve

• Soft pull: 1

America First Credit Union

• Hard pull: 1, 2,

American Hertiage FCU

• Hard pull: 1, 2

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 Credit Union

• Hard pull: 1

AmeriCU Credit Union

• No data points

Ameris Bank

• Soft pull: 1,

ANB Bank

• No data points

Anchor Bank

• Soft pull: 1

Andrews Federal Credit Union

• Hard pull: 1
• Soft pull: 1

Andigo Credit Union

• Soft pull: 1, 2,

APGFCU

• Hard pull: 1,

Apple Bank

• Soft pull: 1

Apple Federal Credit Union

• Soft pull: 1,

Arbor Financial Credit Union

• Soft pull: 1,

Arizona Central Credit Union

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

Arizona Federal Credit Union

• Soft pull: 1, 2, 3,
• Hard pull: 1,

Arizona State Credit Union (now OneAZ Credit Union)

• Soft pull: 1

Armed Forces Bank

• Soft pull: 1,

Arrha Credit Union

• No data points

Arsenal Credit Union

• Hard pull: 1,

Arundel Federal Savings Bank

• Soft pull: 1, 2,

Arvest Bank

• Soft pull: 1

Ascend Federal Credit Union

• Hard pull: 1

Ashland Credit Union

• Soft pull: 1,

Aspiration

• Soft pull: 1, 2, 3,

Aspire Credit Union

• Soft pull: 1

Astoria Bank

• Soft pull: 1

Associated Bank

• Soft pull: 1

Associated Credit Union of Texas (ACUTX)

• No data points

Associated Credit Union

• No data points

Avidia Bank

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

Axos Bank

• Soft pull: 1,

Ballston Spa National Bank (BSNB)

• Soft pull: 1

BancorpSouth

• Soft pull: 1, 2

Bank7

• Soft pull: 1,

Bank & Trust

• Soft pull: 1

Bankers Trust

• No data points

bankESB (East Hampton Savings Bank)

• Soft pull: 1

Bank of America

• Soft pull: 1, 2, 3, 4,
• Chex system inquiry: 1

Bank Direct

• Soft pull: 1, 2, 3

Bank of Blue Valley

• No data points

Bank of Elk River

• Soft pull: 1,

Bank Five Nine

• No data points

BankFinancial

• No data points

BankHometown

• No data points

Bank Independent

• No data points

Bank of Canton

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

Bank Of Lee’s Summit

• Unknown

Bank of Maine

• Soft pull: 1
• Chex system inquiry: 1

Bank Midwest

• No data points

Bank of Montgomery (BOM)

• No data points

BankMutual

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

Bank of Elk River

• No data points

Bank of Ruston

• Soft pull: 1,

Bank Of Sun Prairie

• No data points

Bank of Tennessee

• No data points

Bank of The Blue Grass

• No data points

Bank of the West

• Soft pull: 1, 2
• ChexSystems: 1

BankORION

• Soft pull: 1

Bank OZK

• 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

BB&T

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

BBVA

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

Beacon Credit Union

• Hard pull: 1,

Beartooth Bank

• No data points

BECU

• Soft pull: 1, 2

Belco Community Bank

• Soft pull: 1

Bell Bank

• Soft pull: 1,

Bellco Credit Union

• Hard pull: 1

Belmont Savings Bank

• No data points

Benchmark Federal Credit Union

• Hard pull: 1,

Beneficial Bank

• No data points

Berkshire Bank

• No data point

Beverly Hill Bank

• No data points

BethPage Credit Union

• Soft pull: 1

Better Banks

• No data points

BHCU

• No data points

BiddefordSavings

• No data points

Blue Hills Bank

• Soft pull: 1

Blue Federal Credit Union

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

BMI Federal Credit Union

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

BMO Harris

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

BMT (Bryn Mawr Trust)

• Soft pull: 1

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

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

Brentwood Bank

• No data points

Bridge Credit Union

• No data points

Bridgeview Bank Group

• Soft pull: 1

Brightpeak Financial

• Soft pull: 1

BrightStar Credit Union

• Soft pull: 1
• ChexSystems: 1

Brio Direct Bank

• Soft pull: 1, 2, 3,

Broadway Bank

• Soft pull: 1,

Bryon Bank

• No data points

Byline Bank

• Soft pull: 1,

Bull’s Eye Credit Union

• No data points

California Bank & Trust

• No data points

California Coast Credit Union

• Hard pull: 1,

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,

Carver Federal Savings Bank

• No data points

Cambridge Trust Company

• No data points

Campus USA Credit Union

• Hard pull: 1, 2, 3,

Cape Cod 5

• No data points

Cap Ed Credit Union

• Soft pull: 1,

Capital Credit Union

• No data point

Capital One

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

Capital One 360

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

Capitol Bank

• No data points

CBT Bank

• Soft pull: 1,

CCFBank

• Soft pull: 1

Cedar Rapids Bank & Trust

• No data points

CEFCU

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

Center Parc

• No data points

Centier

• No data points

Central Florida Educators  Credit Union

• Soft pull: 1,

Central Illinois Bank

• Soft pull: 1,

Century Bank

• Soft pull: 1,

Central Bank

• Soft pull: 1

Central Minnesota Credit Union

• Soft pull: 1, 2, 3,

Charter Oak

• No data points

Charles Schwab

No longer a hard pull

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

Chartway Credit Union

• Soft pull: 1
• Chex System Inquiry: 1

Charter One

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

Chase

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

Chesapeake Bank

• Soft pull: 1,

Chief Financial Credit Union

• No data points

Christian Community Credit Union

• Soft pull: 1, 2
• Hard pull: 1

CIBC US

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

Cincinnatus Savings & Loan

• No data points

Cincinnati Federal

• Soft pull: 1

CinFed Credit Union

• Hard pull: 1 (Experian)

Citadel Credit Union

• Soft pull: 1

CIT Bank

• Soft pull: 1

Citibank

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

The Citizens Bank

• No data points

Citizens Bank

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

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

Citizens First Bank

• No data points

City National Bank (Bankatcity)

• Soft pull: 1

Civista Bank

• No data points

Clearview Federal Credit Union

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

Clifton Savings Bank (CSBK)

• No data points

Clinton Savings Bank

• Soft pull: 1,

CME Federal Credit Union

• Hard pull: 1 (TransUnion)

CNB Bank & Trust

• No data points

Collins Community Credit Union

• Soft pull: 1,

Columbia Bank (WA, OR, ID)

• Soft pull: 1
• Hard pull: 1,

Columbia Bank (NJ)

• Soft pull: 1

Columbia Credit Union

Seems to be hard online and soft in branch.

• Soft pull: 1
• Hard pull: 1

Comerica

• Soft pull: 1

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

• Unknown

Community Alliance Credit Union

• Unknown

CommunityAmerica Credit Union

• Hard pull: 1, 2, 3 (TransUnion), 4,

Community Bank & Trust

• Unknown

Community Financial Services Bank

• Soft: 1

Community First Credit Union of Florida

• Soft pull: 1, 2,

Community West Credit Union

• No data points

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

Cooperative Bank of Cape Cod

• No data points

Coors Credit Union

• No data points

Cornerstone Bank

• Hard pull: 1, 2
• Soft pull: 1

Cornerstone Financial Credit Union

• Hard pull: 1,

Country Bank For Savings

• Soft pull: 1

Crane Credit Union

• No data points

Credit Human

• Soft pull: s, 2,

Credit Union of America

• No data points

Credit Union of New Jersey

• Hard pull: 1 (experian)

Credit Union of Ohio

• No data points

Credit Union One

• Soft pull: 1, 2,

Credit Union of Southern California

• No data points

Credit Union of Texas

• Hard pull: 1, 2,

Credit Union West

• Soft pull: 1,

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)

Hard pull: 1 (Equifax), 2

Dearborn Savings Bank (DSB)

• Soft pull: 1,

Dedham Savings Bank

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

Delta Community Credit Union

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

Denizen

• Soft pull: 1,

Denmark State Bank

• Hard pull: 1 (transunion)

Denver Community Credit Union

• Unknown

Desert Community Bank

• No data points

Desert Financial Credit Union

• Soft pull: 1, 2,

Desert Schools Federal Credit Union

• No data points

Destinations Credit Union

• Soft pull (Transunion): 1, 2

Devon Bank

• No data points

Diamond Valley Federal Credit Union

• No data points

Discover

• Soft pull: 1, 2, 3, 4

Dollar Bank

• Soft pull: 1
• ChexSystems: 1

Dollar Savings Bank

• No data points

Dort Federal Credit Union

• No data points

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

Eastman Credit Union

• Soft pull: 1,

East Wisconsin Savings Bank

• No data points

EBSB Direct

• No data points

ECCU

• Soft pull: 1, 2,

Educators Credit Union (ECU)

• No data points

Elements Financial Credit Union

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

Elevations Credit Union/Buff One

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

Elko Federal Credit Union

• No data points

Empire State Bank

• No data points

Emprise Bank

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

Energy Federal Credit Union

• No data points

ENT Credit Union

• Soft pull: 1, 2,

ESL Federal Credit Union

• Soft pull: 1

ESSA Bank & Trust

• No data points

Essex Bank

• Soft pull: 1,

Evanston Community Bank

• Soft pull: 1,

Evansville Teachers Federal Credit Union

• Soft pull: 1, 2,

EverBank

• No data points

Exchange Bank

• No data points

Excite Credit Union

• Soft pull: 1,

Extraco Banks

• No data points

Family Trust Federal Credit Union

• No data points

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

FCB South County Bank

• Soft pull: 1

FEDCOM

• Unknown

FedFinancial Federal Credit Union

• Hard pull: 1 (TransUnion)

Fidelity (Brokerage)

• Soft pull: 1,

Fidelity Bank (PA)

• Soft pull: 1

Fidelity Bank (Online, MA)

• Soft pull: 1,

Fifth Third Bank

• Soft Pull: 1, 2

Financial Builders

• No data points

Financial Plus Credit Union

• No data points

Financial Resources Credit Union

• No data points

Firefly Credit Union

• Hard pull: 1, 2, 3, 4,

First Advantage Bank

• Hard pull: 1

First American Bank

• Soft pull: 1, 2,

FirstBank

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

• Hard pull: 1
• Soft pull: 1, 2, 3,

FirstBank [TN, GA, AL]

• Soft pull: 1,

First Bank (VA, MD)

• Soft pull: 1,

First Bank (CA, IL & MO)

• Soft pull: 1,

First Bank and Trust

• Soft pull: 1

First Bank & Trust Company Illinois

• No data points

First Bank Financial Centre (FBFC):

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

First Basin Credit Union Checking

• No data points

First Citizen’s Bank

• Hard pull (Equifax): 1, 2, 3
• No hard pull: 1, 2, 3

First Citrus Bank

• No data points

First Commerce Credit Union

• No data points

First Commonwealth Bank

• No data points

First Community Bank (AR/MO)

• No data points

First Federal Bank of Kansas City

• No data points

First Federal Bank of Wisconsin

• Soft pull: 1, 2

First Federal Credit Union

• Soft pull: 1 (via email on 6/7/20)

First Fidelity Bank

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

First Financial Federal Credit Union

• No data points

First Financial Credit Union

• Hard pull: 1 (TransUnion)

First Financial Federal Credit Union (MD only)

• No data points

First Federal Bank

• Soft pull: 1 (on EQ & TU)

First Financial Bank (AR/MS)

• Soft pull: 1,

First Financial Bank (TX)

• Soft pull: 1,

First Financial Bank (IL, IN, KY, OH)

• Soft pull: 1 (via e-mail on 7/14)

First Financial Northwest Bank

• No data points

First Flight Credit Union

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

First Florida Credit Union

• Hard pull: 1,

First General Credit Union

• No data points

First Green Bank

• No data points

First Hawaiian Bank

• No data points

First Home Bank

• Soft pull: 1,

First Horizon Bank

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

• Soft pull: 1,

First Internet Bank

• Hard pull: 1,

First Jersey Credit Union

• No data points

FirstLight Federal Credit Union

• No data points

First-Lockhart National Bank

• No data points

First Mark Credit Union

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

First Merchants Bank

• Soft pull: 1, 2

First Merit Bank

• Soft pull: 1

First Midwest Bank

• Soft pull: 1

First National 1870

• No data points

First National Bank (FNB)

• Soft pull: 1

First National Bank [UT]

• Soft pull: 1, 2

First National Bank [NE]

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

First National Bank of Long Island

• Soft pull: 1,

First National Bank and Trust Company

• Soft pull: 1,

First National Bank of Waterloo

• No data points

First National Bank in Staunton

• No data points

First Nebraska Educators Credit Union

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

First Niagara

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

First Northern Credit Union

• Hard pull: 1

First Republic Bank

• Soft pull: 1

Firstrust Bank

• Soft pull: 1, 2,

First Southern Bank

• No data points

First South Financial

• hard pull according to rep

First State Bank Of Illinois

• Hard pull (experian): 1, 2

First State Community Bank

• Soft pull: 1

First Tech Federal Credit Union

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

First Tennessee

• Soft Pull: 1

First Trade Union Bank

• Soft Pull: 1
• Chex Inquiry: 1

First United Bank

• Soft pull: 1

Fitness Bank

• No data points

Fitzsimmons Credit Union

• No data points

Five Star Bank

• Soft pull: 1

Flagship Bank

• No data points

Flagstar Bank

• Soft pull: 1

Florence Bank

• No data points

Florida Community Bank

• Soft Pull: 1
• Chex Inquiry: 1

Florida Credit Union

• Hard pull: 1 (EQ)

Flushing Bank

• Soft pull: 1

F&M Bank

• Soft pull: 1

Focus Bank

• Soft pull: 1

Focus Federal Credit Union

• No data points

Forcht Bank

• Soft pull: 1, 2,

Fort Financial Credit Union

• No data points

Fort Worth Community Credit Union

• Hard pull: 1,

FNCB

• Unknown

Freedom Credit Union

• Unknown

Freedom Federal Credit Union

• Hard pull: 1,

Freedom First Credit Union

• No data points

Fremont Bank

• Soft pull: 1, 2,

Frontier Bank

• Soft pull: 1,

Frontwave Credit Union

• No data points

Fulton Bank

• Soft pull: 1, 2

Garden Savings Federal Credit Union

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

Gateway Metro Federal Credit Union

• Soft pull: 1

Genisys Credit Union

• Soft pull: 1, 2,

Georgia Banking Company (GBC)

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

Georgia’s Own Credit Union

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

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

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

• No data points

Great Southern Bank

• Soft pull: 1

Grow Financial

• Soft pull: 1,

GTE Financial

• Hard pull: 1, 2, 3, 4, 5,

Guardian Credit Union

• No data points

Gulf Coast Federal Credit Union

• Hard pull: 1,

Hanmi Bank

• Soft pull: 1, 2,

HarborOne Bank

• Soft pull: 1

Harborstone Credit Union

• No data points

Hawthorn Bank

• No data points

Heartland Bank

• No data points

Heartland Credit Union

• Hard pull: 1

Heritage Bank

• Soft pull: 1, 2, 3

Heritage Bank NW

• No data points

Heritage Bank of St. Tammany

• No data points

Heritage Credit Union

• Soft pull: 1, 2

HeritageWest Credit Union

• Soft pull: 1 (according to CSR)

Hiway Federal Credit Union

• Hard pull: 1 (equifax), 2, 3,

Holyoke Credit Union

• No data points

Home Federal Savings Bank

• Soft pull: 1, 2, 3,

Home National Bank

• No data points

Home Savings Bank

• No data points

Home State Bank

• No data points

HomeStreet:

• Soft pull: 1, 2

Hometown Community Banks

• Soft pull: 1

HomeTrust Bank

• Soft pull: 1,

Honors Credit Union

• Hard pull: 1, 2 (Transunion)

Hopewell Federal Credit Union

No data points

Horizon Bank

• Soft pull: 1,

Horizon Credit Union (WA, ID, MT)

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

Houston Metropolitan Federal Credit Union

• Soft pull: 1,

HSBC

• Soft Pull: 1, 2
• Chex inquiry: 1

Huntington Bank

• Soft Pull: 1, 2, 3, 4, 5

Hudson River Community Credit Union (HRCCU)

• No data points

Hudson Valley Federal

• No data points

IBM Southeast FECU

• Hard pull: 1

IBERIABANK

• Soft pull according to rep and confirmed by this report

ICBC USA

• Soft: 1

IC Federal Credit Union

• No data points

Idaho Central Credit Union (ICCU)

• Hard 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,

InFirst FCU

• Hard pull: 1 (Experian)

InRoads Credit Union

• No data points

Inspirus Credit Union

• Hard pull: 1 (according to CSR)

Integrity Bank

• Soft pull: 1

Interior Federal Credit Union

• Hard pull: 1

Interra Credit Union

• No data points

InTouch Credit Union

• No data points

Investor Bank

• Soft pull: 1, dw,

Iowa State Bank

• Hard pull: 1, 2 (TransUnion),

Johnson Bank

• Unknown, let us know in the comments.

Jovia Financial Credit Union

• No data points

JSC Federal Credit Union

• Soft pull: 1, 2,

Justice Federal Credit Union

• Hard pull: 1, 2

KaiPerm

• No data points

Kalsee Credit Union

• No data points

Kearny Bank

• No data points

Keesler Federal Credit Union

• Hard pull: 1, 2,

Kemba Financial Credit Union

• No data points

Kentucky Bank

• No data points

KeyPoint Credit Union

• Soft pull: 1,

Kinderhook Bank

• Soft pull: 1,

Kinecta

• Soft pull: 1

KeyBank

• Soft Pull: 1, 2 (Equifax), 3, 4

La Capitol Federal Credit Union

• Hard pull: 1 (equifax)

Lafayette Federal Credit Union

• Unknown

 Lakeland Bank

• Soft pull: 1, 2,

Lake Michigan Credit Union (LMCU)

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

Lake Shore Savings

• Soft pull: 1
• ChexSystems: 1

Landmark Credit Union

• Unknown

Land of Lincoln Credit Union

• Hard pull: 1,

LBS Financial Credit Union

• Soft pull: 1,

Leader Bank

• Soft pull: 1

Ledyard Bank

• Soft pull: 1,

LegacyTexas

• No data points

Level One Bank

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

LGE Community Credit Union

• Soft pull: 1
• Hard pull: 1, 2,

Liberty Bank

• Unsure, please let us know in the comments.

Liberty Bank (CT, MA, RI)

• Soft pull: 1, 2

Liberty Bank For Savings

• Soft pull: 1
• ChexSystems: 1

Liberty First Credit Union

• Hard pull: 1 (Experian)

Liberty Savings Bank

• Soft: 1, 2,

LM Federal Credit Union

• No data points

Logix Credit Union

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

Long Game

• No data points

LorMet Community Federal Credit Union

• No data points

Los Angeles Federal Credit Union

• Hard pull: 1

Lyons National Bank

• Soft pull: 1,

Macatawa Bank

• Soft pull: 1,

Magnolia Federal Credit Union

• No data points

MainSource Bank

Mainstreet Credit Union

• Hard pull: 1 (TransUnion)

Main Street Bank [of Michigan]

• Soft pull: 1

Main Street Bank [of Virginia]

• Soft pull: 1,

Mango Money

• Soft pull: 1

Marcus Bank

• Soft pull: 1,

Marine Bank

• Soft pull: 1, 2,

MarketUSA Federal Credit Union

• No data points

Marquette Bank

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

Mars Bank

• No data points

Mazuma Credit Union

• Soft pull: 1,

MAX Credit Union

• No data points

MB Financial Bank

• Soft pull: 1

Mcgraw-Hill FCU

• Soft pull: 1

Mcfarland State Bank

• No data points

MECU Credit Union

• Hard pull: 1,

Melrose Bank

• Soft pull: 1

Members Choice Credit Union

• No data points

Members Cooperative Credit Union

• No data points

Members Source Credit Union

• No data points

Member One Federal Credit Union

• No data points

Memory Bank

• Soft pull: 1, 2

Memphis City ECU (MCECU)

• No data points

Mercer Savings Bank

• No data points

Meridian Bank

• No data points

Meridian Trust Federal Credit Union

• No data points

Meritrust Credit Union

• No data points

Meriwest Credit Union

• Hard pull: 1,
• Soft pull: 1 (had opted out of overdaft), 2, 3, 4,

Michigan Schools and Government Credit Union

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

Middlesex Savings Bank

• Soft pull: 1

MIDFLORIDA CU

• Hard pull for personal accounts: 1 (Experian)

MidFirst Bank

• Soft pull: 1

Mid-Hudson Valley Federal Credit Union

• No data points

Mid Penn Bank

• Hard pull: 1,
• Soft pull: 1, 2

MidUSA Credit Union

• No data points

MidWestOne Bank

• Soft pull: 1, 2,

Midwest Regional Bank

• Soft pull: 1

Mission Federal Credit Union

• 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)

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

My Banking Direct

• Soft: 1 (CSR), 2

My eBanc

• Soft pull: 1,

MySavingsDirect

• Soft pull: 1,

Mutual Bank

• No data points

Mutual Security Credit Union

• No data points

MVB Bank

• Soft pull: 1

M&F Bank

• No data points

M&T Bank

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

NASA Federal Credit Union

• Soft pull: 1
• Hard pull: 1

NASB

• No data points

Nassau Financial Federal Credit Union

• No data points

Nationwide Bank

• Soft pull: 1, 2

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

Navy Federal Credit Union

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

NBC Oklahoma

• Soft pull: 1,

Neighborhood Credit Union

• Hard pull: 1, 2, 3

Nevada State Bank

• Soft pull: 1

New Buffalo Savings Bank

• Soft pull: 1

Newton Federal Bank

• Soft pull: 1

Newtown Savings Bank (NSB)

• Soft pull: 1

North Brookfield Savings Bank

• No data points

North Community Bank

• Unknown

Northeast Credit Union

• Soft pull: 1

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 of Commerce

• Soft pull: 1 (according to rep), 2

North Shore Community Bank

• No data points

North State Bank

• No data points

Northwest Bank

• Soft pull: 1

Northwest Federal Credit Union

• Soft pull: 1,

Northwest Savings Bank

Select “No” for overdraft protection to avoid hard pull

• Soft Pull: 1
• Chex Inquiry:

NWSB Bank

• No data points

Numerica Credit Union

• No data points

Nutmeg Credit Union

• Hard pull: 1

NuVision Federal Credit Union

• Soft Pull: 1
• Chex Inquiry: 1

NYCB Family Of Banks

• Soft pull: 1,

NWFCU

• Soft pull: 1

Oakland University Credit Union

• No data points

Ocean First Bank

• Soft Pull: 1

Old Hickory Credit Union

• No data points

Old Missouri Bank

• Soft: 1 (via e-mail on 02/20/17)

Old National Bank

• Soft pull: 1

Old Second Bank

• Soft pull: 1

One American Bank

• Soft pull: 1,

One 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,

Option 1 Credit Union

• Hard pull: 1

Orange County Credit Union

• Soft pull: 1

Origin Bank

• Soft pull: 1,

Orion Federal Credit Union

• Hard pull: 1 (Equifax), 2 (Equifax, via e-mail on 10/12/18), 3, 4,
• Soft pull: 1 (9/15/19 via e-mail)

Oritani Bank

• Unknown

Orlando Credit Union

• Soft pull: 1,

OUR Credit Union

• Hard pull: 1,

Pacific Service Credit Union

• Unknown

Palisades Credit Union

• No data points

Paradise Valley Federal Credit Union

• No data points

Parke Bank

• Soft pull: 1,

Parkside Credit Union

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

Partner Colorado Credit Union

• Hard pull: 1

Patelco Credit Union

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

Pathways Financial Credit Union

• Hard pull: 1

Patriot Bank

• Soft pull: 1,

Pelican State Credit Union

• Hard pull (equifax): 1, 2

PenFed

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

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

Peninsula Federal Credit Union

• Hard pull: 1 (Equifax)

Penn Community Bank

• No data points

PeoplesBank (Bankatpeoples)

• Soft pull: 1, 2, 3, 4,

PeoplesBank

• Soft pull: 1

Peoples Bank (LA)

• No data points

Peoples Bank (WA)

• No data points

Peoples Bank (ibankpeoples IL, IN)

• No data points

Peoples Credit Union

• Soft pull: 1

Peoples United Bank

• Soft pull: 1, 2

Picatinny Credit Union

• Soft pull: 1 (via e-mail in 2019)

Pikes Peak Credit Union

• No data points

Pinnacle Bank

• Soft pull: 1, 2

Pinnacle Financial Partners

• No data points

Polam Federal Credit Union

• No data points

Polish National Credit Union

• No data points

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)l

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

PriorityONE Credit Union of Florida

• No data points

PrizePool

• Soft pull: 1,

Progressive Bank

• No data points

Progessions Credit Union

• No data points

Provident Bank

• Soft pull: 1, 2,

Provident Credit Union

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

Proviso Community Bank

• No data points

PSE Credit Union

• No data points

PSECU

• Hard pull: 1, 2, 3,
• Soft pull: 1,

Public Employees Credit Union (PECU)

• No data points

Public Services Credit Union

Hard pull: 1

Public Service Credit Union (IN)

• No data points

Pulaski Bank

• No data points

Purdue Federal Credit Union

• No data points

PurePoint Financial

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

Putnam Bank

• No data points

PyraMax Bank

• No data points

Quorum Federal Credit Union

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

Radius Bank

• Soft pull: 1

Randolf Savings Bank

• No data points

Reading Cooperative Bank

• No data points

Real Peoples Bank

Unsure, let us know in the comments.

Red Rocks Credit Union

• Hard pull: 1 (according to csr), 2,

Redstone Federal Credit Union

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

Regions Bank

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

Reliabank

• No data points

Reliance Bank

• No data points

Reliant Bank

• Soft pull: 1,

Reliant Community Credit Union

• Soft pull: 1

Republic Bank

• No data points

Republic Bank (NY)

• Soft pull: 1,

Resource One Credit Union

• Soft pull: 1,

Ridgewood Savings Bank

• Soft pull: 1

Rivermark Community Credit

• Hard pull: 1, 2, 3,
• Soft pull: 1,

River Valley Credit Union

• No data points

Riverview Bank

• No data points

RPT Federal Credit Union

• No data points

Rockland Trust Bank

• Soft pull: 1,

Rollstone Bank & Trust

• No data points

Rosedale Federal Savings & Loan Association

• No data points

Royal Bank America

• No data points

Royal Credit Union

• Soft pull: 1,

Sacramento Credit Union

• Soft pull: 1, 2,
• Hard pull: 1,

SAFE Credit Union

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

Salal Credit Union

• Soft pull: 1,

Salem Five Bank

• Hard pull (Equifax): 1, 2, 3, 4 (recent dp via e-mail on 07/07/18), 5, 6, 7, 8, 9, 10, 11, 12, 13,
• Soft pull: 1 (recent DP), 2,
• Chex Inquiry: 1

Sallie Mae High-Yield Savings Account

• Soft pull: 1

Sandy Spring Bank

• Soft pull: 1

San Mateo Credit Union

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

Santander

• Soft Pull: 1, 2, 3,

Saratoga National Bank

• No data points

Savings Bank of Danbury

• Soft pull: 1

Sawyer Savings Bank

• No data points

SB1 Federal Credit Union

• Unknown

Scient Federal Credit Union

• No data points

Scott Credit Union

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

Seacoast Bank

• Soft pull: Confirmed via chat

SECNY Federal Credit Union

• No data points

Security Bank of Crawford

• Soft pull: 1, 2,

Selco Community Credit Union

• Hard pull: data point via e-mail

Select Bank & Trust

• No data points

SENB Bank

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

Service Credit Union

• Soft pull: 1,

Sharepoint Credit Union

• Hard pull: 1,

Sharonview

• Hard pull: 1

Signature Federal Credit Union

• Soft pull: 1, 2
• Hard pull: 1,

Simmons Bank

• No data points

Simsbury Bank

• No data points

Simple Bank

• Soft Pull: 1

Signature Bank of Georgia

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

SkyOne Federal Credit Union

• Soft pull: 1,

Solvay Bank

• Soft pull: 1

Sound Credit Union

• Soft pull: 1

SouthEast Bank

• Soft pull: 1, 2, 3,

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

Space Coast Credit Union

• No data points

Spartan Federal Credit Union

• No data points

SPCO Credit Union

• Soft pull: 1,

Spire Credit Union

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

SSFCU (Security Service Federal Credit Union)

• Soft pull: 1, 2

S&T Bank

• Soft pull: 1

Star Bank

• Soft pull: 1,

Starion Bank

• No data points

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

Star One Credit Union

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

STCU (Spokane Teachers Credit Union)

• Hard pull: 1, 2,

Sterling National Bank

• Soft pull: 1,

St. Mary’s Bank

• Soft pull: 1,

St Mary’s Credit Union

• No data points

Stoneham Bank

• Soft pull: 1

St Paul Federal Credit Union

• Hard pull: 1

Streator Onized Credit Union (SOCU)

• No data points

Sturdy Savings Bank

• No data points

Suburban Bank & Trust (SBT)

• Unknown

Suffolk Federal Credit Union

• No data points

Summit Credit Union

• Soft pull to open account, but hard pull to become a member. Up to the CSR discretion if that hard pull is done or not through 2020.

Summit Federal Credit Union

• Soft pull: 1,

Sun Commnity Federal Credit Union

• No data points

Sun East Federal Credit Union

• Soft pull: 1

Sunflower Bank

• Soft pull: 1,

Sun National Bank

• No data points

Suntrust

• Soft pull: 1, 2
• Chex inquiry: 1

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

• No data points

TCF Bank

• Soft pull: 1

Teachers Credit Union

• Soft pull: 1, 2,

Texans Credit Union

• Soft pull: 1

TD Bank

• Soft pull: 1

Tech CU

• Soft: 1, 2, 3

TEG Federal Credit Union

• No data points

Telco Community Credit Union

• No data points

Telhio Credit Union

• Hard pull (Equifax): 1

Texas Trust Credit Union

• Hard pull: 1,

Texell Credit Union

• Unknown

The Bank Of Denver

• Soft pull: 1,

The Bank of Princeton

• Soft pull: 1,

TIAA Direct

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

TLC Community Credit Union

• Hard pull: 1,

T-Mobile Money

• Soft pull: 1,

Tobyhanna

• Hard pull: 1

Tompkins VIST Bank

• Soft pull: 1

Toro Credit Union

• 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 First State Bank

• No data points

The State Bank Group

• Soft pull: 1, 2, 3,

Thrivent Federal Credit Union

• Soft pull: 1,

Trademark Federal Credit Union

• No data points

Traditional Bank

• No data points

Truity Credit Union

• Hard pull: 1

TrustCo Bank

• Soft pull: 1

TruMark

• Soft pull: 1, 2,
• Hard pull: 1, 2

TruStone Financial

• Soft pull: 1, 2, 3,
• Hard pull: 1

TruWest Credit Union

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

TTCU (Formerly Tulsa Teachers Credit Union)

• No data points

Tulsa Federal Credit Union

• No data points

TwinStar Credit Union

• Hard pull: 1

UFB Direct

• Soft pull: 1

Ulster Savings Bank

• No data points

UMB Bank

• No data points

Umpqua Bank

• Soft pull: 1,

UNFCU

• Soft pull: 1

UniBank

• No data points

Unify

• Soft pull: 1, 2,

Union Plus Prepaid

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

Union Bank

• Soft pull: 1, 2

Union Bank & Trust (NE & KS)

• 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,

United Bank

• No data points

United Community Bank (UCB)

• No data points

United Federal Credit Union

• Soft pull: 1,

United Financial Credit Union

• No data points

United Roosevelt Savings Bank

• Soft pull: 1,

Unitus Community Credit Union

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

Unity Bank

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

Univest

• Soft pull: 1
• Hard pull: 1, 2

University Federal Credit Union

• Soft pull: 1,

U of I Community Credit Union

• Soft pull: 1,

US Alliance Financial

• Soft pull: 1

US Community Credit Union

• No data points

US Bank

• Soft pull: 1
• Chex inquiry: 1

USE Credit Union

• Soft pull: 1, 2,
• Hard pull: 1,

US #1364 Federal Credit Union

• No data points

Utah First

• Hard pull: 1,

U$X Federal Credit Union

• No data points

Wakefield Co-operative Bank

• No data points

Washington Mutual

• Soft pull: 1
• Chex inquiry: 1

Washington Savings Bank

• Soft pull: 1,

Washington Trust

• No data points

Watertown Savings Bank

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

Water And Power Community Credit Union (WPCU)

• No data points

WaterStone Bank

• Soft pull: 1,

Waukesha State Bank

• No data points

Wealthfront

• Soft pull: 1,

Webster Bank

• No data points

Wellesley Bank

• No data points

Wells Fargo

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

WesBanco

• Soft Pull: 1

Wescom Credit Union

• 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,

Wings Financial Credit Union

• Hard pull: 1, 2,

WinTrust Bank

• Soft pull: 1,

Woori America Bank

• Soft pull: 1,

WyHy FCU

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

Valley Bank

• Unknown

Valley Nation Bank

• Soft pull: 1

VantageWest

• Soft pull: 1,

Varo Money

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

Vectra Bank

• No data points

Verity Credit Union

• Soft pull: 1 (07/07/18 via e-mail)

Vibrant Credit Union

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

Vinton County

• Unknown, let us know in the comments

Vio Bank

• Soft pull: 1

Virginia Credit Union

• Soft pull: 1,

Xceed Financial Credit Union

• Soft pull: 1,

Yolo Federal Credit Union

• No data points

Zeal Credit Union

• Unknown