fWe post a lot of different bank account bonuses, one of the most common questions we get is ‘How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?‘. Most of the time when you open a new bank account, they won’t do a hard pull on your credit report (data points for that can be found here). Instead they will check your ChexSystems report.
ChexSystems contains information regarding your deposit accounts and is used by around 80% of all financial institutions. It contains information regarding new account openings and also the following red flags:
- Unsatisfied balances
- Check overdrafts
- Depositing fraudulent checks
- Suspicious account behavior reported by other banks (e.g possible structuring)
Some financial institutions won’t open a new account for you if you’ve opened too many new accounts recently as it can be a sign of possible fraud and they also want to limit people like us chasing bank account bonuses. I thought it’d be useful to have a list of banks & credit unions that are sensitive to too many inquiries and also ones that aren’t. Please add more data points in the comments so we can make this resource page more useful. When sharing your datapoints, let us know if you applied in branch or online. Also keep in mind that these inquiries stay on your report for a maximum of two three years.
Contents
- 1 Banks/Credit Unions That Are Inquiry Sensitive
- 1.1 3Rivers Federal Credit Union
- 1.2 Affinity Credit Union
- 1.3 Allied First Bank
- 1.4 Amerant Bank
- 1.5 American Eagle Financial Credit Union
- 1.6 America’s Christian Credit Union
- 1.7 Ameris Bank
- 1.8 Andigo Credit Union
- 1.9 Â Andrews Federal Credit Union
- 1.10 Banco Popular
- 1.11 Bank of Canton
- 1.12 Bank of Hope
- 1.13 Bank Of The West
- 1.14 Bank OZK
- 1.15 BBVA
- 1.16 BECU
- 1.17 Bethpage Credit Union
- 1.18 Blaze Credit Union
- 1.19 Blue Federal Credit Union
- 1.20 Blue Hills
- 1.21 BMT (Bryn Mawr Trust)
- 1.22 Byline Bank
- 1.23 California Credit Union
- 1.24 Cambridge Savings Bank
- 1.25 Capital Bank
- 1.26 Carver Federal Savings Bank
- 1.27 Central Illinois Bank
- 1.28 Century Bank
- 1.29 Charles Schwab
- 1.30 Chartway Federal Credit Union
- 1.31 Cheese
- 1.32 Chesapeake Bank
- 1.33 Christian Community Credit Union
- 1.34 Citadel Bank
- 1.35 Citibank
- 1.36 Citizens Bank
- 1.37 Civista
- 1.38 C&N Bank
- 1.39 Commerce Bank
- 1.40 Community Financial Credit Union
- 1.41 Community First Credit Union Of Florida
- 1.42 Consumers Credit Union
- 1.43 Credit Human
- 1.44 Credit Union Of Southern California
- 1.45 Credit Union 1
- 1.46 CrossPoint Federal Credit Union
- 1.47 Dedham Savings Bank
- 1.48 Devon Bank
- 1.49 Eastern Bank
- 1.50 Elements Financial
- 1.51 Elevations
- 1.52 Emprise Bank
- 1.53 ETFCU
- 1.54 Evansville Teachers Federal Credit Union
- 1.55 E*Trade
- 1.56 Farmers & Merchants State Bank
- 1.57 Farmington
- 1.58 Fidelity (MA, NH)
- 1.59 Fifth Third Bank
- 1.60 First Citizens Bank
- 1.61 First Commonwealth Bank
- 1.62 First Financial Bank
- 1.63 First Home Bank
- 1.64 First Horizon Bank
- 1.65 First Midwest Bank
- 1.66 First National Bank
- 1.67 First Northern Credit Union
- 1.68 First Tech Federal Credit Union
- 1.69 Firsttrust Bank
- 1.70 Florence Bank
- 1.71 Flushing Bank
- 1.72 FNBO
- 1.73 Fremont Bank
- 1.74 Genisys Credit Union
- 1.75 Great River Federal Credit Union
- 1.76 Gulf Coast Bank & Trust
- 1.77 Hanscom Federal Credit Union
- 1.78 Hiway Bank
- 1.79 Home Federal Savings Bank
- 1.80 Home Savings Bank
- 1.81 HomeStreet Bank
- 1.82 Horizon Bank
- 1.83 Iberia Bank
- 1.84 Independent Bank
- 1.85 Integrity Bank
- 1.86 Intouch Credit Union
- 1.87 Justice Federal Credit Union
- 1.88 Keybank
- 1.89 Keypoint
- 1.90 Lafayette Federal Credit Union
- 1.91 Laurel Road
- 1.92 Level One Bank
- 1.93 Liberty Bank
- 1.94 Marine Bank
- 1.95 Memory Bank
- 1.96 Metro Credit Union
- 1.97 Middlesex Federal Credit Union
- 1.98 Midfirst Bank
- 1.99 Midland States Bank
- 1.100 MVB Bank
- 1.101 Neighborhood Credit Union
- 1.102 Nevada State Bank
- 1.103 Newtown Savings Bank
- 1.104 Northpointe
- 1.105 NYCB Family Of Banks
- 1.106 Ocean First Bank
- 1.107 OneWest
- 1.108 OnPoint Community Credit Union
- 1.109 Orion Bank
- 1.110 Patelco
- 1.111 People’s United Bank
- 1.112 PerkStreet
- 1.113 Pinnacle Financial Partners
- 1.114 PNC Bank
- 1.115 Popular Bank
- 1.116 Premier Credit Union
- 1.117 Prestige Community Credit Union
- 1.118 Provident Credit Union
- 1.119 PSECU
- 1.120 RBFCU
- 1.121 Ridgewood
- 1.122 Rockland Trust Bank
- 1.123 SAFE Credit Union
- 1.124 Salem Five Bank
- 1.125 Sandy Spring Bank
- 1.126 SkyOne Federal Credit Union
- 1.127 SLFCU
- 1.128 Solvay Bank
- 1.129 Sound Credit Union
- 1.130 Southeast Bank
- 1.131 Southside Bank
- 1.132 Southstate Bank
- 1.133 Spectra Credit Union
- 1.134 Standford Credit Union
- 1.135 State Employees Credit Union (SECU) Of Maryland
- 1.136 S&T Bank
- 1.137 The Bank of Denver
- 1.138 The Bank of Princeton
- 1.139 Thrivent Credit Union
- 1.140 Truliant Federal Credit Union
- 1.141 TruStone Financial
- 1.142 University of Michigan Credit Union
- 1.143 UNFCU
- 1.144 Union Bank
- 1.145 Union Community Bank
- 1.146 Union Bank & Trust
- 1.147 Union Savings Bank
- 1.148 Unitus Community Credit Union
- 1.149 Unity One Credit Union
- 1.150 Valley National Bank
- 1.151 Valley Direct
- 1.152 Verity Credit Union
- 1.153 Vio Bank
- 1.154 Washington Trust
- 1.155 Watertown Savings Bank
- 1.156 Wesbanco
- 1.157 Wescom
- 1.158 Westfield Bank (MA)
- 1.159 Westfield Bank (OH)
- 1.160 Wings Financial Credit Union
- 1.161 Wintrust
- 1.162 Yolo Credit Union
- 2 Banks/Credit Unions That Aren’t Inquiry Sensitive
- 2.1 Affinity Federal Credit Union
- 2.2 Alliant
- 2.3 Amalgamated
- 2.4 Ardent Credit Union
- 2.5 Armed Forces Credit Union
- 2.6 Axos Bank
- 2.7 BB&T
- 2.8 Bell Bank
- 2.9 BMO Harris
- 2.10 Capital Bank
- 2.11 Chase
- 2.12 Citizens Bank
- 2.13 City National Bank
- 2.14 Columbia Bank
- 2.15 Comerica Bank
- 2.16 Current
- 2.17 Digital Federal Credit Union (DCU)
- 2.18 Discover
- 2.19 East Boston Savings
- 2.20 Excite Credit Union
- 2.21 FirstBank [TN, GA, AL]
- 2.22 FirstBank [CA, AZ, CO]
- 2.23 First Fidelity Bank
- 2.24 First National Bank of Long Island
- 2.25 First Tennessee
- 2.26 Forcht Bank
- 2.27 Fulton Bank
- 2.28 GTE Financial
- 2.29 Hanmi Bank
- 2.30 HomeTrust
- 2.31 HSBC
- 2.32 Interior Federal Credit Union
- 2.33 Investor Bank
- 2.34 Lakeland Bank
- 2.35 LegacyTexas
- 2.36 Liberty Savings Bank
- 2.37 Mazuma Credit Union
- 2.38 MECU Credit Union
- 2.39 MSUFCU
- 2.40 M&T Bank
- 2.41 My Banking Direct
- 2.42 Northfield Bank
- 2.43 NorthOne Bank
- 2.44 Old National Bank
- 2.45 P1FCU
- 2.46 Pinnacle Bank
- 2.47 Porte Bank
- 2.48 Republic Bank
- 2.49 Redstone Federal Credit Union
- 2.50 Santander
- 2.51 Service Credit Union
- 2.52 State Bank of India
- 2.53 Sterling Bank & Trust
- 2.54 Sterling National Bank
- 2.55 Stoneham
- 2.56 TBK Bank
- 2.57 TCF Bank
- 2.58 TD Bank
- 2.59 Tech Credit Union
- 2.60 TIAA Direct
- 2.61 UMB Bank
- 2.62 Unify Financial Credit Union
- 2.63 United Community Bank
- 2.64 United States Senate Federal Credit Union
- 2.65 Upgrade
- 2.66 U.S. Bank
- 2.67 Visions Federal Credit Union
- 2.68 Washington Savings Bank
- 2.69 Webster
- 2.70 Wells Fargo
- 3 Final Thoughts
Banks/Credit Unions That Are Inquiry Sensitive
3Rivers Federal Credit Union
Affinity Credit Union
Allied First Bank
Amerant Bank
American Eagle Financial Credit Union
America’s Christian Credit Union
Ameris Bank
Andigo Credit Union
- Denied with six in last 12 months
- Denied with 3 in last 24 months
- Denied with 50+ in the last 9 months
- Denied with 15-20 in the last 12 months
- Approved with 10+ in last six months
- Approved with 60+ in the last 18 months
 Andrews Federal Credit Union
Banco Popular
Bank of Canton
Bank of Hope
Bank Of The West
- Declined for 20+ accounts in two years
- Denied for 15+ accounts in two years
- Denied for 23 accounts in two years
- Approved with 11 in the last 12 months
Bank OZK
BBVA
Looks like they have changed their application process and are no longer sensitive.
Not sure what the limit is and they do a hard pull on your actual credit reblueport, but they are sensitive to too many inquiries.One reader was able to open with 20+ inquiries though.
BECU
Rule seems to be denial if you have 3-6 or more in the last 12 months
- Denied with 17 in the last 12 months
- Denied with 4-5 in the last 12 months
- Denied with 17 in the last 12 months
Bethpage Credit Union
Blaze Credit Union
Blue Federal Credit Union
- Denied with 10+ in last couple of years
- Denied with 8 this year
- Rep mentioned more than 3 in past 6 months would lead to denial
- Denied, not sure on exact amount but more than 3
Blue Hills
- They are Chex sensitive (1, 2, 3)
- Denied with 15+Â (was approved in branch)
- Denied with 2 accounts in last 12 months
BMT (Bryn Mawr Trust)
Byline Bank
California Credit Union
Cambridge Savings Bank
- Declined with 15+ in last year
- Declined with 20+ in last six months
- Declined with 15+ in last year
- Declined with 15 in the last few months
- Approved with 30+ in the last year
- Approved with 30+ in last 16 months
Capital Bank
Carver Federal Savings Bank
Central Illinois Bank
Century Bank
- Decline with 7 accounts opened in last 9 months
Charles Schwab
Chartway Federal Credit Union
- Declined with 1-2 per month for last few years
- Denied with lol/12
- Denied with 11/12 months
- Approved with 12+ inquiries
Cheese
Chesapeake Bank
Christian Community Credit Union
Citadel Bank
Citibank
Citizens Bank
Civista
C&N Bank
Commerce Bank
- Approved then shut down. 17 accounts within last 24 months. Another report with similar numbers
- Denied with 30+ in last 24 months
Community Financial Credit Union
Community First Credit Union Of Florida
Consumers Credit Union
- Denied with 10 inquiries in the last 12 months (via e-mail 3/20/23)
Credit Human
Credit Union Of Southern California
Credit Union 1
CrossPoint Federal Credit Union
Dedham Savings Bank
- Declined with 20+ in last six months, eventually approved in branch
- Declined with 9 in the last 24 months
- Denied with 6 in the last 12 months
Devon Bank
Eastern Bank
- Denied with 5+
- Denied with 12 in last 12 months
- Denied with 6/12 in the last 12/24 months
- Denied with 3 in the last 12 months, 6 in last 24 months
Elements Financial
- Declined to to Chex  (1, 2, 3, 4, 5, 6, 7)
- Approved with 15+
- Approved with 5 in the last 15 months
- Denied with 19 in the past 10 months
Elevations
Emprise Bank
ETFCU
Evansville Teachers Federal Credit Union
- Declined with 12 inquiries in past 12 months
- Approved with 7 inquiries in the last 3 months
- Declined with 24 in the last 12 months
- Declined with 7-8 in last 12 months
- Approved with 95+ in the last 24 months
E*Trade
- Will decline you if you’ve had more than 10
Farmers & Merchants State Bank
- Denied with 30 in past six months, 50+ in last 12 months
- Denied with 3 in the past 3 months
- Denied with 6 in the last 6 months
- Denied with 10 in the last 12 months
- Denied with 18 in the last 12 months
Farmington
- Approved, then denied two weeks later due to ‘excessive’ account openings. Total of two accounts had been opened (via e-mail on 07/05/18)
Fidelity (MA, NH)
Fifth Third Bank
First Citizens Bank
First Commonwealth Bank
First Financial Bank
First Home Bank
First Horizon Bank
First Midwest Bank
First National Bank
- Denied with 12+ transactions in the last 12 months
- Approved with 4/1, 8/2, 9/3, 14/6, 27/12
- Approved with  3/1, 4/2, 4/3, 8/6, 20/12
First Northern Credit Union
First Tech Federal Credit Union
- Denied with 15 in the last 24 months
- Denied with 22 in the last 9 months
- Approved with 85+ in last 24 months
- Approved with 9 in the last 6 months
Firsttrust Bank
Florence Bank
Flushing Bank
FNBO
Fremont Bank
Genisys Credit Union
Great River Federal Credit Union
Gulf Coast Bank & Trust
Hanscom Federal Credit Union
Hiway Bank
Home Federal Savings Bank
Home Savings Bank
HomeStreet Bank
HomeStreet Bank will often approve you, only to close your account at a later date due to excessive Chex inquiries.
- Denied with 10+ in the last 24 months
- Denied with 3 in the last 3 months
- Denied with 9 in the last 12 months
- Denied with 18 accounts in the last 12 months
- Approved with 6-7 in the last 12 months
Horizon Bank
Iberia Bank
Independent Bank
Integrity Bank
Intouch Credit Union
Justice Federal Credit Union
Keybank
- Declined with 13
- Declined with 1/2 per month
- Denied with 5+
- Denied with 5 in last 3 months
- Denied with 20 in the last 24 months
- Denied with 50+
- Declined with 4 in the past 3 months
- Declined with 3-4 in the last six months
- Denied with 30 in the last 24 months
Keypoint
- Denied with 1 in the past 12 months
- Denied with 8 in the last 12 months
- Denied with 4 in the last 12 months
- Approved with 8 in the last 12 months
Lafayette Federal Credit Union
Laurel Road
Level One Bank
Liberty Bank
Marine Bank
- Denied with 6 in the last 12 months
- Denied with less than 10 in the last 24 months
- Denied with 5+ in last 12 months
- Denied with 8 in last 12 months
Memory Bank
Metro Credit Union
Middlesex Federal Credit Union
Midfirst Bank
Midland States Bank
MVB Bank
Neighborhood Credit Union
Nevada State Bank
- Declined with 11 in last 12 months: 1
Newtown Savings Bank
Northpointe
- Declined by Northpointe last week with a total of 16 in the past 2 years
- Denied from Northpointe, only 6 ChexSystems inquiries in the last two years. Although 3 were in January and was 1 was in February, I was still surprised
- Denied with 15+
NYCB Family Of Banks
Ocean First Bank
- Denied with 11 in the last 12 months
- Approved with 40+ in the last 12 months (in branch)
- Approved with 100+ in the last 24 months (online)
OneWest
OnPoint Community Credit Union
Orion Bank
Patelco
People’s United Bank
PerkStreet
- Will decline you if you’ve had more than 10
Pinnacle Financial Partners
PNC Bank
Popular Bank
- Apparently they monitor your account even after you’ve opened it and will close it if too many new accounts opened
- Denied with 4 in last year
- Denied with 9 in last year
- Approved with 12+ in last year
Premier Credit Union
- Initially denied with 8 inquiries in 3 months. Approved on reconsideration.
- Denied for 19+ inquiries
- Denied with 2 accounts in the last 12 months
Prestige Community Credit Union
Provident Credit Union
- Declined for too many applications, had 5 other inquiries on report within a week (via reader Tom)
- Denied for 12+ accounts in the past two years
- Declined with five accounts
- Declined with 4-5 accounts
- Denied with 60-80 in the last 12/24 months
- Denied for 10+ in the last 24 months
PSECU
RBFCU
Ridgewood
- Declined with 7 in past 12 months
- Declined with 9 in past 12 months
- Denied with 11 in past 12 months and 13 in past 24
- Denied with approximately one new account per month in last 12/24 months
Rockland Trust Bank
SAFE Credit Union
Salem Five Bank
Sandy Spring Bank
- Denied & denied
- Denied with 10 in the last 12/24 months
- Denied with 14 in last 12 months and 35 in last 24 months
SkyOne Federal Credit Union
- Denied with 10+ in the last 12 months
- Denied with 24+ in the last 12 months
- Denied with 10+ in the last 12 months
- Denied with 48 in the last 24 months
- Denied with 11 in the past 6 months
- Approved with 35+ in last 12 months
- Approved with 100 in the last 24 months
- Approved with 26 in the last 24 months
SLFCU
Solvay Bank
Sound Credit Union
Southeast Bank
- Denied with 7 in the past 6 months
- Denied with 50+ in last 12 months
- Denied with 25+ in last 12 months
- Denied with 20+ in last 12 months
Southside Bank
Southstate Bank
Spectra Credit Union
Standford Credit Union
State Employees Credit Union (SECU) Of Maryland
S&T Bank
The Bank of Denver
The Bank of Princeton
Thrivent Credit Union
- Denied with 15+
- Denied with 16 in last 12 months and 30 in last 24 months (via e-mail on 09/04/18)
- Denied with 10+
- Denied with 20 in the last 12 months
- Denied with 7 in the last 12 months
Truliant Federal Credit Union
TruStone Financial
University of Michigan Credit Union
UNFCU
Union Bank
- Closed account after opening with two new accounts in last week
- Denied with 15+ in the last year
- Approved with 11-12 in the last year
- Approved with 21+ in the last year
Union Community Bank
Union Bank & Trust
This is now called Atlantic Union Bank
Union Savings Bank
Unitus Community Credit Union
Unity One Credit Union
Valley National Bank
- Denied with 4-5 accounts in the past month
- Approved in-branch with over 15 Chex inquiries total
- Denied with a lot in the last 12/24 months
- Denied with 8 in the last 12 months
Valley Direct
Verity Credit Union
Vio Bank
Washington Trust
Watertown Savings Bank
- Denied with 5 in the last 6 months
- Denied with 4 in the last 6 months
- Denied with 8 in last 12 months
Wesbanco
Wescom
- Denied with 12 in the past 12 months
- Denied with 15 in last 12 months and 23 in last 24 months
- Denied with 19 in the last 12 months
- Denied with 11 in last 12 months, 25 in last 24 months
Westfield Bank (MA)
Westfield Bank (OH)
Wings Financial Credit Union
Wintrust
Yolo Credit Union
Banks/Credit Unions That Aren’t Inquiry Sensitive
Affinity Federal Credit Union
Alliant
- Approved with 15 in the last 7 months
- Denied with 17 in the last 12 months
- Denied with 12 in the last few months
Amalgamated
Ardent Credit Union
Armed Forces Credit Union
Axos Bank
BB&T
Bell Bank
BMO Harris
Capital Bank
Chase
- Successfully opened with 20+ new accounts on my ChexSystems report
Citizens Bank
City National Bank
Columbia Bank
- Approved with 25+ in the last 10 months
- Denied with 10 in the last 12 months (via e-mail on 10/14/20)
Comerica Bank
Current
Digital Federal Credit Union (DCU)
Discover
East Boston Savings
Excite Credit Union
FirstBank [TN, GA, AL]
FirstBank [CA, AZ, CO]
First Fidelity Bank
First National Bank of Long Island
First Tennessee
- No issue with 30+ accounts on my ChexSystems report in last three years
Forcht Bank
- Approved with 30/50 in the last 12/24 months
Fulton Bank
GTE Financial
Hanmi Bank
HomeTrust
HSBC
Interior Federal Credit Union
Investor Bank
Lakeland Bank
LegacyTexas
Liberty Savings Bank
Mazuma Credit Union
MECU Credit Union
MSUFCU
M&T Bank
My Banking Direct
Northfield Bank
NorthOne Bank
Old National Bank
P1FCU
Pinnacle Bank
Porte Bank
Republic Bank
Redstone Federal Credit Union
Santander
Service Credit Union
State Bank of India
Sterling Bank & Trust
Sterling National Bank
Stoneham
TBK Bank
TCF Bank
TD Bank
Tech Credit Union
TIAA Direct
UMB Bank
Unify Financial Credit Union
- Denied with 4-5 inquiries
- Denied with 50+ inquiries
- Approved with 35 inquiries
- Approved with 12 inquiries in last 12 months
- Denied with 50+ inquiries
United Community Bank
United States Senate Federal Credit Union
Upgrade
U.S. Bank
Visions Federal Credit Union
Washington Savings Bank
Webster
Wells Fargo
Final Thoughts
I’ll update this page as more data points come in, but these reference articles are only as useful as you make them so make sure you share your data points and then everybody benefits.
Regarding chex sensitivity, Premier Bank, First Commonwealth Bank, and Cinfed CU all denied me both in branch and online due to chex inquiries. at around 12/3
You might need to slow your roll a little bit if you were denied by FC. I have been approved 3 times by them and my # of Chex inquiries are nothing to sneeze at.
Huntington
Opened account online and initiated opening deposit $5 which posted to linked bank. Next day get email saying linked bank is suspended and to call.
Also initiated $1000 ACH push for the bonus (after opening account online) and received confirmation that the deposit was received by Huntington (Tuesday).
Locked out of online banking. Said wrong password (used FaceID and the correct password) tried resetting through app and got error. Called in morning to online support and they said account was force closed and wouldn’t give any info as to why. Spoke with corporate, they said only way to get the money is to go in person. They won’t mail a check or reverse the posted transaction.
Home address matches in state ID but currently out of state and unreasonable to go to branch.
So they will close your account, hold onto your money indefinitely after accepting it, and not give any explanation or resolution. Pfftt
I wonder if CFPB can help get the money back.
Chex report has two sections – Inquiries Viewed By Others and Inquiries Viewed only by You.
When Banks/CUs look at inquiries, are they looking at both or just the Inquiries Viewed By Others?
Do they see the banks that perform previous inquiries or just numbers of inquiries? Just curious what kinda of information and data that being shared and seen by the banks and what they do with that.
Any insight into this?
If they manually review, they will look at which banks have pulled it.
Denied by the following for chex:
https://jdcu-web.oflows.net/oao/userauth
Digital Federal Credit Union
Align Credit Union
Metrowest Community Federal Credit Union
Denied due to chex was 8/24 in terms of inquiries at the time.
I got denied by Citibank having only 2 entries in Chex! In addition to those 2 I have 3 more from Citi today because Citi phone support recommended I try again multiple times with cookies cleared, different browser, etc. What gives?
I got approved at Discover Cashback Debit, and have been with them a week and a half, so far so good. But I also see they did check my Chexsystems. Is it normal to get approved even if they checked the report and still approved me with a few things on my report?
I opened bank accounts heavily at the end of 2022 (maybe 11-12 within a month). Associated Bank denied me, but didn’t give me a reason. I was able to open online, set up Online Banking, deposit money, etc. Then, I went to log in a week later, and it was locked. Contacted Support several times, and they sent me to Fraud Dept, but specific gal never answered. It took me 4-5x of calling support before I just received generic letter in mail with a refund of my $25 deposit.
Also been denied using PNC online, as well as Hiway Credit Union. Hiway CU was most recent, after I think I have opened 19 accts since Nov 2022 (but only 3 since beginning of May, and it was now end of June).
Christian originally denied me back in January, but when I reached out to Support, they allowed me to send docs and get approved. They did say it was automatically marked as fraud.
Also sensitive to ChexSystems inquiries: Spectra Credit Union. Please add to the list.
How many in the last 12/24 months?
Hi, I know some people may have mentioned this but I am having difficulty to find the average # of inquiries per period (week, month or year) that will trigger denial. I have noticed my recent applications have been declined, or rejected due to inquiries, despite no negative information.
Should I pause from applying? How long should I pause since my last denial due to inquiry? a month, 2, 3, 6?
It varies by bank, there is no magical number
Thank you for the response. It sucks when you get turned down due to inquiries even after reaching out to them. Very finicky.
Please add Workers Credit Union to the list of inquiry-sensitive FIs. Denied membership in CU and savings account due to merely the number and recency of inquiries on ChexSystems.
Declined Sandy Spring @ roughly 24/24
Asked to come in for BHCU @ roughly 24/24
Declined First Commonwealth Bank (PA) @ roughly 24/24
Approved M&T @ roughly 24/24
Declined Credit Union 1 (IL) @ roughly 18/24
Approved PSECU @ roughly 18/24
Approved Firstrust @ roughly 18/24
Approved FNB (PA) @ roughly18/24
Sorry about the declines but good job on the approvals.
Did you get a hard pull from Credit Union 1? If so, which credit bureau? Thanks!
Slick Nick
mangorunner No pulls on my credit for any bank account above except for PSECU.
Thanks!