Is Opening A Bank Account A Soft Or Hard Pull?

177 Responses to Is Opening A Bank Account A Soft Or Hard Pull?

1. Jan B says:

   August 7, 2014 at 11:50 am

   I just wanted to express my thanks for all the information. I actually need a mentor and would consider a fee-based arrangement. Having said that, I posted here because I opened and funded a recent PenFed account with a $1K (Arrival) CC deposit. While I know this is limited info to many, I had a pleasant experience.

   Reply
2. Mike says:

   February 8, 2015 at 2:02 pm

   First Citizens Bank is quiet possibly the worst bank I’ve dealt with. Hard pull to open a checking account and $1 charge each time for the privilege of calling their toll-free number after 3 times per billing cycle. Also, lots of other fees for stupid things which they do not bother disclosing or listing on their website or elsewhere. Avoid this bank like the plague!

   Reply
   • Ahan says:

     September 28, 2015 at 5:11 pm

     Bank of America beats them all when it comes to worst bank. They smile at you at the branch but jab you with fees.

     Reply
     • D J says:

       May 5, 2017 at 7:12 am

       Yes, they DO!!

       Reply
3. Jason says:

   February 15, 2015 at 11:06 pm

   Data point: As of 01/2015, bank of America is still soft pull on Experian. Also Chexsystem told by banker

   Reply
4. Andrew C says:

   February 27, 2015 at 8:51 am

   FYI, US Bank required a pull on IDA to open a savings account – had to unfreeze it.

   Reply
5. Phil says:

   March 9, 2015 at 2:05 pm

   US bank was a HARD pull on innovis for checking account that was processed thru sagestream/IDA apparently as it says sagestream,llc/US BANK on my innovis report under requests others can see.

   Reply
6. Sam S says:

   March 19, 2015 at 4:54 pm

   Anybody has or knows Quorum federal credit union. If yes, is it hard or soft pull for opening the high savings account?

   Reply
7. Otis Sito says:

   March 21, 2015 at 12:55 am

   My experiences with BMO Harris:

   Initial account opening for a Canadian Citizen – Hard Pull on Equifax Canada

   Opening savings account later (after changing to a US Address) – Soft pull on TransUnion USA

   Reply

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9. Elliot says:

   May 22, 2015 at 12:38 pm

   Does Chex combine inquiries from the same bank? For example, if I apply for and am approved for a US Bank checking, savings, and CD all in the same day, will Chex count that as one inquiry?

   I’m trying to aggressively use bank account initial deposit funding to meet min. spending on different cards, so I want to reduce my Chex inquiries.

   Reply
   • Elliot says:

     May 22, 2015 at 12:39 pm

     That’s also assuming a bank makes multiple Chex inquiries for multiple applications, but I have no idea how that works.

     Reply
   • William Charles says:

     May 22, 2015 at 8:58 pm

     I think in that case the bank will just do one inquiry rather than multiples. If they do multiples, not sure if combined or not.

     Reply
10. Ken says:

    May 28, 2015 at 12:41 am

    Any info on EverBank for hard/soft pull?

    Reply
    • Francis says:

      April 5, 2016 at 9:40 am

      bump

      Reply
      • fakitty says:

        May 2, 2016 at 11:34 pm

        “If we need to pull credit on opening a bank account, it is considered a voluntary pull for banking purposes.” – CS response

        Reply
    • Ryan says:

      May 19, 2017 at 11:35 am

      Everbank USED to be a SP. I had a savings and MMA account there, and did not have a HP from them. I don’t remember if I had a Chex INQ though, and it would’ve fallen off by now.

      Reply
11. Jan B says:

    June 10, 2015 at 11:25 am

    F&M: Chex Inquiry

    Reply
12. AK says:

    July 3, 2015 at 7:21 pm

    US Bank did a hard pull for me in Jan 2015 (shows up on my equifax as a hard pull). That was after the banker assured me it would be a soft pull. Next time, I’m going to get it in writing.

    NOTE: They also soft pulled TU. I can’t speak for experian as I haven’t checked it yet.

    Reply

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14. Wade says:

    July 13, 2015 at 11:01 am

    I keep my credit frozen and will temporarily thaw all 3 bureaus when I apply for a new card. I am looking at opening a new checking account (Regions Bank), and I understand that it will only result in a soft pull to my credit. Can banks perform a soft pull with my credit frozen? I hope so as I don’t want to take a chance on a hard pull. Thanks!

    Reply

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23. JCS says:

    November 3, 2015 at 10:04 am

    I pulled my Chexsystems report and thought others would be interested. This seemed like the best page to post the info.
    Pulled Chex report?
    Discover Bank – yes
    Citibank – yes
    Citizens – yes
    M&T – yes
    Consumers Credit Union – yes, and a TU hard pull.
    Santander – yes
    PNC – yes
    BofA – no
    Fidelity cash management account – no
    Chase – no. But I have my mortgage and a couple CCs with them.
    TD Bank – no
    GoBank – no

    Reply
    • Chuck says:

      November 3, 2015 at 2:49 pm

      Interesting stuff. I’d guess TD and BoA did a soft pull then.

      Reply
    • frankie says:

      March 15, 2016 at 10:12 am

      I was just rejected for a checking account chexsystems bounced me for 9 inquiries, but no negative information. How long will it be before this non-negative information is removed from my report? Is it the same 5 years as for negative information?

      Reply
      • Ryan says:

        May 19, 2017 at 11:39 am

        The INQs stay on Chex for 2 years. After 6 months to a year, most banks will ignore them, but some are more picky than others. Applying for a lot of bank accounts in a short period of time can look risky or suspicious to the banks, same as with credit cards. I got denied for a credit union membership (savings only) because I had 3-4 Chex INQs TOTAL. They were extremely sensitive.

        Reply

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25. Aaron Lemmon says:

    December 5, 2015 at 12:11 pm

    You should add Needham Bank to this list. Only bank I’ve ever seem with unlimited ATM fee refunds around the globe.

    Reply
    • Ken says:

      December 5, 2015 at 10:56 pm

      Schwab checking is free ATMs worldwide, and they reimburse any fees charged by the ATM owner.

      Reply
    • Chuck says:

      December 5, 2015 at 11:50 pm

      Interesting

      Reply

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32. Ken says:

    February 1, 2016 at 2:53 pm

    Received a reply from Elevations Credit Union in CO:

    Hi Ken,
    Thanks for your message. To open a checking account, we do a soft credit pull. Please let us know if you have any further questions.

    Reply
    • William Charles says:

      February 1, 2016 at 6:25 pm

      Thanks, added.

      Reply
      • master says:

        October 27, 2016 at 4:17 pm

        i just got a hard pull from elavations can u please change it

        Reply
33. Nick says:

    February 1, 2016 at 9:54 pm

    Just in case a recent data point’s helpful, I opened a Salem Five checking/savings account a few account and incurred a hard Equifax pull :/

    Confirm others’ experience, unfortunately

    Reply

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38. Gary says:

    March 1, 2016 at 4:32 pm

    Data point: Standford Federal Credit Union rejected application due to recent inquiries (AFAIK no negative info). About 8 new accounts in past 12 months.

    Reply
39. Alan says:

    March 6, 2016 at 9:49 pm

    Just got a hard pull in Equifax for adding as joint holder in checking and savings account in Alliant Credit Union. However, when open a new membership, there is no hard pull.

    Reply
    • anthonyjh21 says:

      April 4, 2016 at 11:14 pm

      Thanks for this piece of information. I just sent them an email myself to clarify this (before I saw your post). I donated the $10 and went to sign up and noticed that any joint holder would have a hard pull.

      Definitely irritated because one main reason I was going to test them as a primary checking is because of no hard pull. Well, it’s not worth a hard pull for this account, let alone from Equifax. I guess I’ll be looking at LMCU more closely if I’m going to be dinged anyways, might as well be with Transunion.

      Without knowing the full details it feels like a bait and switch. Why logically would they do a soft pull for 1 person but a hard pull for second?

      Reply
    • anthonyjh21 says:

      April 4, 2016 at 11:18 pm

      Oh also, when you added a joint holder, did they do a HP on both of you or just the joint holder?

      Reply
      • Alan says:

        May 13, 2016 at 2:44 pm

        just the new joint holder

        Reply
        • anthonyjh21 says:

          May 13, 2016 at 3:26 pm

          Ha, better late than never.

          I opened the joint account in April via snail mail, which prevented any hard pulls to either of us. You have to submit more information this way (copies of bills, ID) but IMO this is way to go if you’re wanting a joint account.

          Have been nothing short of thrilled with my experiences with Alliant. Only wish I switched faster. This is saying something considering I was with Ally Bank previously, one with competitive rates, no fees and transfer system.

          Reply
          • lingua says:

            July 18, 2017 at 1:08 pm

            hard pull for joint account holder should be added to list.

            Any other DPs on soft pull for joint account holder if applying via mail?
40. frankie says:

    March 15, 2016 at 10:03 am

    Peoples bank chexsystems inquiry, rejected application due to recent inquiries (no negative information) about 10 new accounts in past 8 months.

    Reply

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42. melissa says:

    March 15, 2016 at 12:17 pm

    peoplesbank in PA did chexsystems and rejected my application. No negative info, just lots of inquiries, as I opened maybe 9 accounts this year. How long for the chexsystems to drop reports of inquiries, is it the same 5 years as for negative infirmation?

    Reply
    • William Charles says:

      March 15, 2016 at 9:00 pm

      2 years for inquiries.

      Reply
43. Andy Harrison says:

    March 18, 2016 at 7:54 pm

    Well, it is good to know which banks will pull what out of your credit report. I’d assume that the bank would do a soft pull for everyone and then a hard pull for those that might have a bigger credit history. For me, I’d assume they would do a soft one since I don’t have that much history.

    Reply
    • William Charles says:

      March 18, 2016 at 8:11 pm

      No, it doesn’t work like that. They either do a soft or hard pull, doesn’t matter on your credit history.

      Reply

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45. Cole says:

    April 7, 2016 at 7:10 am

    Citizens bank is actually a hard hit for any checking product opened (online & in branch) and a soft hit for savings.

    Reply
46. Gustraveler says:

    April 11, 2016 at 1:49 pm

    Option 1 credit union, hard pull for checking account, but has 4% interest up to $10,000.

    Reply
47. Jeff says:

    May 20, 2016 at 2:19 pm

    I haven’t submitted yet, but the SunTrust submission page says that they will submit your information to Experian for review. Doesn’t seem to align with reports of a soft pull from them.

    Reply
    • William Charles says:

      May 20, 2016 at 8:30 pm

      Must just be a soft pull if everybody is reporting no hard pull, unless SunTrust changed how they handle it.

      Reply
48. Liam W says:

    May 31, 2016 at 5:12 pm

    A note re BMO Harris

    Usually a soft on TU, however, Canadians applying for an account will get a hard on Equifax Canada

    Reply
    • William Charles says:

      May 31, 2016 at 7:11 pm

      Yeah, we only cover U.S. based information.

      Reply
49. Dan says:

    June 4, 2016 at 1:47 pm

    I opened a basic checking account with Navy Federal Credit Union, and they told me it was going to be a soft pull. Upon checking my TransUnion report just now, turns out it was a hard pull. I’m pissed.

    Reply
    • Dan says:

      June 4, 2016 at 2:16 pm

      To add to my comment above, I did NOT tell them I wanted overdraft protection (rookie move I made last year at a different financial institution) and I don’t have any credit cards or loans with them. So there was absolutely no reason for them to do a hard pull. I’m going to talk to the branch manager this week and tell them they are misinforming their clients saying they only do soft pulls for basic checking accounts.

      As another data point, they DO accept credit card funding, but they don’t accept American Express or Discover and both my Visa and MasterCard were declined because I have my cash advance limits set to zero. So they must code as cash advances.

      Reply
50. Dave says:

    June 15, 2016 at 11:08 pm

    Blue Hills Bank
    Soft and Chex inquiry

    Reply
51. Volker says:

    June 20, 2016 at 10:52 am

    DCU did a Equifax hard pull for a checking account in June 2016. No overdraft protection etc.

    Reply
52. Sherman says:

    June 20, 2016 at 11:05 am

    FedFinancial Federal Credit Union is a hard pull in TransUnion. I was immediately notified by Credit Sesame. I wish I knew and I would have applied ugh.

    Reply
    • William Charles says:

      June 20, 2016 at 8:28 pm

      Thanks for the data point, hopefully it helps others avoid this bank at least.

      Reply

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58. Johannes de Rie says:

    July 8, 2016 at 1:12 pm

    I tried to open a basic checking account at TwinStar Credit Union in WA state but was told they do a Chex pull AND a hard pull (don’t know which bureau) so I passed.
    TwinStar is interesting because they offer a prepaid debit card that can be reloaded up to $2000 20 times or so. However no one knows if non-TwinStar credit cards can be used for the reloads.

    Reply

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60. San DIego says:

    July 16, 2016 at 10:46 pm

    Mission Federal Credit Union (MissionFed.com) – hard pull Equifax for basic checking account in addition to cc and loan products

    Reply
    • William Charles says:

      July 25, 2016 at 1:23 am

      Is it a hard pull for just the basic checking?

      Reply

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63. Sam says:

    August 3, 2016 at 11:22 pm

    Any idea if TFCU (Teachers Federal Credit Union) does a HP or SP for membership?

    Reply

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66. Tin says:

    August 15, 2016 at 10:45 am

    Los Angeles Federal Credit Union did a hard pull.

    Reply
    • William Charles says:

      August 15, 2016 at 8:32 pm

      Thanks, updated!

      Reply

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69. AJ Ryland says:

    August 21, 2016 at 9:41 am

    Randolph Brooks Federal Credit Union did a hard pull

    Reply

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71. Dave says:

    August 29, 2016 at 10:23 pm

    digital federal credit union – HP EQ
    dang! I should have read here before I submitted

    Reply

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77. Chris says:

    September 19, 2016 at 10:43 pm

    Andrews Federal Credit Union did a hard pull when I opened a checking account. Quite annoying as there was nothing in the terms that stated that beforehand.

    Reply
    • William Charles says:

      September 19, 2016 at 10:57 pm

      Thanks, added.

      Reply
78. Don L says:

    September 20, 2016 at 4:13 pm

    More recent PNC ChexSystems Inquiry Negative Datapoint

    https://www.reddit.com/r/churning/comments/536shh/manufactured_spending_saturday_week_of_september/d7ql298

    Reply
79. russell pattay says:

    October 13, 2016 at 8:09 am

    Island Federal Credit Union (Long Island, NY) hard pulled my Experian, without any mention of it.
    Fuming…

    Reply
80. Miz says:

    October 20, 2016 at 12:23 pm

    Has anybody recently open an Ally checking? Is it a soft pull or hard pull?
    DP on the web are extremely contradictory and confusing.

    Reply
81. Don says:

    November 22, 2016 at 12:39 am

    If anyone has opened a First Midwest account recently, do you have any feedback re: your ChexSystems status — i.e., your number of recent inquiries?

    I had a PNC and a Santander app denied today, both of which I suspect were due to a verification glitch with Equifax, and now I’m a little gun-shy. Thanks.

    Reply

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83. tck says:

    December 4, 2016 at 8:06 pm

    DP:

    Charles Schwab Bank: opened a checking account with them (required to also open an investor account, but you don’t have to do anything with it) Hard Pull, Equifax.

    Pentagon Federal Credit Union: Joined, only opened primary share savings account. Hard Pull, Equifax.

    3. Veridian Credit Union: Joined for CD promo, got bait-and-switched and missed it. Hard Pull, Equifax.

    4. Andrews Federal Credit Union: Savings account and CD’s. Hard Pull, TransUnion

    Reply
84. Ken says:

    December 15, 2016 at 2:01 pm

    If All America is a soft pull is Redneck Bank the same since they’re the same bank?

    Reply
    • William Charles says:

      December 15, 2016 at 4:29 pm

      I’d assume so, yes.

      Reply
      • Ken says:

        December 15, 2016 at 4:35 pm

        That’s what I figured, thanks.

        Reply
85. Don L says:

    December 23, 2016 at 3:58 pm

    Flagstar Bank is soft on checking/savings acct opening.

    Reply
    • William Charles says:

      December 23, 2016 at 8:55 pm

      Added, thanks Don!

      Reply

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87. Don L says:

    December 30, 2016 at 10:16 pm

    GTE Financial is a hard Transunion pull per this Flyertalk comment (HT: FrequentFlyer1234)

    http://www.flyertalk.com/forum/27677388-post42.html

    Reply
    • William Charles says:

      January 1, 2017 at 2:43 am

      Added, thanks

      Reply

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89. Anthony says:

    January 25, 2017 at 4:13 pm

    Is LaCapitol FCU a hard or soft pull?

    Reply
    • William Charles says:

      January 30, 2017 at 10:33 pm

      If it’s not listed, we don’t know unfortunately.

      Reply

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91. James says:

    January 30, 2017 at 7:23 pm

    Public Services Credit Union does a HARD PULL of your credit to open any type of account. I was going to open a savings account, but they would have done a hard pull, so I opted to bank with another institution.

    Reply
    • William Charles says:

      January 30, 2017 at 10:15 pm

      Thanks, added DP

      Reply
92. Alex says:

    January 31, 2017 at 3:28 pm

    Consumers Credit Union no longer accepts AMEX as funding option

    Reply
    • William Charles says:

      January 31, 2017 at 8:45 pm

      Thanks, updated

      Reply

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94. crustymech says:

    February 13, 2017 at 12:30 pm

    Approved this morning for Quorum checking account (associated w/ $300 bonus and $2.5k cc funding; application was about a month ago, 1/18/2017. Hard inquiry is not showing up either on my creditkarma or my ProtectMyID account (which definitely monitors all 3)

    Reply
    • William Charles says:

      February 13, 2017 at 7:56 pm

      Thanks

      Reply

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96. Ken says:

    March 21, 2017 at 10:27 am

    Any recent DPs for Ally? Soft or hard pull?

    Reply
    • lingua says:

      August 14, 2017 at 3:52 pm

      hard pull TU for me, commented below…

      Reply

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104. Mike says:

     April 6, 2017 at 11:17 pm

     Helped relative open BBVA Checking/Savings Account August-September 2016. Hard TU pull which during the account opening process, they offered 1000 overdraft LOC presumably based on this hard pull. Accepted and that was that.

     Fast forward to 2 days ago, applied in same manner for BBVA Checking/Savings, hoping to duplicate same from last year. 752 EQ FICO, Karma FAKO 800TU-806EQ, AAoA 13 years. No derogs. Credit Accounts with CL 20k+.

     Anyway, approved for accounts. Initial Deposit via CC. Didn’t get the offer for 1k overdraft LOC – which I was floored. So, I’m pissed thinking I blew an inquiry (Only have 2 inq on TU) for nothing. Well, I’ve been waiting to get that notification of a TU pull, but nothing from Karma, WalletHub, and I manually checked TU via dispute process and confirm no HP on TU. I do see the entry under SP, though.

     Not sure if this is a fluke or an actual change in policy from August/September 2016 to present. Anyway, thought I would add that Data Point since it appears as though BBVA Account Opening might not strictly be a HP.

     Reply
     • William Charles says:

       April 6, 2017 at 11:33 pm

       Can you check the other credit bureaus as well? Would be a big change.

       Reply
105. MarcoPolo says:

     April 18, 2017 at 11:05 am

     @DoC
     Just received this email from Capital one. This is despite the fact that I used Capital One for a few ACH after deleting and adding new M&T Bank account(s). I mainly used Ally and Alliant for that purpose.

     Dear MarcoPolo,

     We’re restricting your Capital One 360® account(s) until we can verify your recent account activity.

     Please call us at 1-866-464-7761 within the next 10 business days so we can confirm this info. We’re available Monday-Friday 8 a.m.-11 p.m. ET and Saturday 8 a.m.-6 p.m. ET.

     If you don’t call within the next 10 business days, your account(s) may be closed and your balance – plus all interest earned – will be transferred to your linked external checking account.

     We used info from a credit-reporting agency that – in whole or in part – influenced our decision. The consumer-reporting agency didn’t make our decision. For questions about your credit report or supporting info, contact the agency directly at:

     Early Warning Services
     16552 N. 90th Street, Suite 100
     Scottsdale, AZ 85260
     1-800-325-7775
     http://www.earlywarning.com

     Under section 612 of the Fair Credit Reporting Act, you have a right to obtain a free copy of your credit info on file at the agency (that is, if your request is made within 60 days of receiving this notice). Under Section 611 of the Act, you also have the right to dispute the accuracy or completeness of any info contained in that report.

     Thanks,
     Capital One
     PO Box 60
     St. Cloud, MN 56302

     Reply
106. Sam says:

     April 19, 2017 at 12:19 am

     I have dp on citi. When i tried to open the accounts in april they hard pulled experian and chex . Account denied no specific reason.

     Reply

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110. Matthew Weyer says:

     May 11, 2017 at 7:57 pm

     Charles Schwab and Christian Community Credit Union are not in alphabetical order. I noticed when I was trying to find Schwab, lol.

     Reply
     • William Charles says:

       May 11, 2017 at 8:10 pm

       yeah, some of them are out of whack. I usually just do a ctrl+f to find them. I’ll fix it now.

       Reply
       • Matthew Weyer says:

         May 11, 2017 at 11:24 pm

         True! I don’t know why I just didn’t do that. You’re awesome Will!

         Reply
111. Ryan says:

     May 19, 2017 at 11:57 am

     I’ve been researching some CUs recently, and joined a couple, so here are the DPs I’ve gathered:

     Personal experience:
     UNFCU: Chex for sure. Got denied for too many Chex INQs (had maybe 4-5 total) for a savings account. Did not see a SP anywhere, and definitely no HP.

     Consumers CU: As mentioned above, Chex + EQ SP (identity validation) + TU HP. TU HP can be reused for I think 30 days for other credit products. I used mine for the Cash Rewards card. Probably to be safe you should call or chat with them to do that though and NOT apply online. Many online systems automatically do a HP even if they have a fresh copy. Ran into that with SDFCU a few years ago.

     US Bank – Soft (TU I think) pull for savings + Checking, don’t know about Chex. Sagestream/ARS/EWS all frozen. Offered OD LOC and accepted = immediate TU HP. They have a pretty cool program called “Because You’ve Earned It” which gets you a fee-free Gold checking account if your credit is good.

     Alliant – SP on EQ + Chex

     Unify FCU – SP + Chex

     BMOHarris – Chex for sure, probably a SP somewhere, too

     Chase – Not sure, I had CCs with them, so it’s hard to tell the SPs apart. Don’t recall seeing a Chex for them. Maybe being a customer in good standing bypasses some of that?

     Email/Chat with CSRs: (no personal experience)
     McGraw-Hill FCU: SP on Experian for membership, only HP for credit products. Pull can be reused for 30 days.

     Patelco: SP, uses EXP

     Hanscom FCU: EXP. Their response just said “As part of an application for any HFCU, credit is pulled.” (That’s a cut-and-paste) I take that to mean HP to join. Did not respond to if they reuse. Said “best credit score” is 730 or higher, but I think that’s FICO 2 from what I saw on myfico.

     NWFCU: SP on Experian.

     InFirst FCU: HP on EXP. Will “probably” reuse up to 60 days.

     Stanford FCU: SP on EXP. Comment above mentions INQ sensitive.

     Still waiting for a couple of others to respond.

     Reply
     • William Charles says:

       June 13, 2017 at 3:47 am

       Thanks, very useful!

       Reply
       • RJ says:

         July 8, 2017 at 1:56 pm

         Will, I also have a Chex inquiry by CCU on 05/18/2016. The DP for CCU NOT pulling chex is linking to LMCU, and therefore is incorrect.

         Reply
112. Rick Kunz says:

     May 22, 2017 at 7:59 pm

     Columbia Bank (WA, OR, ID) does a hard pull.
     Also, Peninsula Federal Credit Union (WA) hard pull.

     Reply
     • William Charles says:

       June 12, 2017 at 12:52 am

       Columbia Bank or credit union?

       Reply
       • Rick Kunz says:

         June 12, 2017 at 1:23 am

         Columbia Bank info above is wrong; they actually do only soft pull to open checking or savings acct.

         Reply
113. Rick Kunz says:

     May 22, 2017 at 8:01 pm

     Peninsula is hard pull thru Equifax.

     Reply
114. NS says:

     June 8, 2017 at 8:14 pm

     Opened a Comerica checking account in CA with no pulls at all, but then I already had 3 accounts with them in Texas … personal checking, business checking and savings. But the TX accounts are 20 years old, so they do not have a current credit profile on me.

     Reply
115. NS says:

     June 8, 2017 at 8:17 pm

     Opened a checking and savings account at Texans CU with no pulls hard or soft.

     Reply
     • William Charles says:

       June 8, 2017 at 8:44 pm

       Thanks, was there a promotion or anything?

       Reply
116. NS says:

     June 8, 2017 at 11:49 pm

     No, no promotions, I just wanted to apply for a car loan and they are close by. They did a HP for that.

     Reply
117. NS says:

     June 9, 2017 at 12:03 am

     When I applied for membership at Texans CU, I did so in person. They requested two forms of picture ID. I don’t know if they did a Chex check, as I do not know how to view that.

     Reply
118. VLADIMIR CHERNOV says:

     June 21, 2017 at 2:43 pm

     Missouri credit union did a HARD pull on Experian just to be added to an account.

     Reply
     • William Charles says:

       June 21, 2017 at 7:59 pm

       Thanks, added DP

       Reply
119. Calvin says:

     July 8, 2017 at 11:31 pm

     A+ Federal Credit Union is hard pull
     https://twitter.com/i/web/status/851515323962593281

     Reply
     • William Charles says:

       July 9, 2017 at 5:49 am

       Thanks, updated post.

       Reply

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121. Avi says:

     August 8, 2017 at 5:07 pm

     I got Chex pulls from Stoneham bank and Rockland Trust.

     Reply
     • William Charles says:

       August 8, 2017 at 8:30 pm

       Thanks added these.

       Reply
122. MS says:

     August 9, 2017 at 6:09 pm

     US Bank did a hard pull (received Experian notification) after applying for a silver checking + the money market to avoid monthly fees.

     Reply
     • William Charles says:

       August 9, 2017 at 6:58 pm

       Are you sure you didn’t opt in to overdraft protection?

       Reply
       • Jim says:

         August 11, 2017 at 2:05 pm

         Yea, I wonder about this too, as that does seem a bit harsh.

         My own DP for US Bank. Opened four family member US Bank checking accounts (couple silver, couple gold, including MM for a few) this year, and no hard inquiries incurred.

         Nothing even on Chex. Did see EWS and Transunion inquiries for most family members though.

         Reply
123. Jim says:

     August 11, 2017 at 1:53 pm

     Looks like we haven’t had Chase DPs w/r/t Chex for some time. The last one from the MyFico forums was in 2009.

     Between three family members, opening Chase checking and savings accounts each of the last three-four years, none have incurred an inquiry at Chex. With all these bank bonuses, I’ve been monitoring out Chex reports every ~three months.

     Rather, as Gadget and several other folks have noted, Chase inquires with EWS instead, one per person (even if two accounts, i.e. checking + savings, although almost all our two account types were opened within a week of each other)

     Reply
     • Jim says:

       August 11, 2017 at 2:06 pm

       Forgot to clarify, for my above Chase DP, no hard inquiries of any kind over these past three-four years.

       Reply
     • William Charles says:

       August 12, 2017 at 11:23 pm

       Note this page is for hard credit inquiries not ChexSystems inquiries

       Reply
124. Tracy says:

     August 14, 2017 at 11:10 am

     Synchrony bank soft or hard inquiry?

     Reply
125. lingua says:

     August 14, 2017 at 3:51 pm

     Ally pulled TU for both spouse and I for a new joint account. Was not expecting that but at least it was TU. I’m in CA.

     I’m assuming ignorance of their policy is no argument for disputing a hard pull?

     Reply