One of the main limits to signing up for bank account bonuses is the fact that they usually pull your ChexSystems report, this is similar to your credit report that is maintained by Experian/Equifax/TransUnion but tracks deposit accounts instead. Some banks & credit unions won’t allow you to open an account if you have too many new accounts on your Chexsystems report, but not all financial institutions look at your ChexSystems report and these won’t show up. I thought it would be useful to have a dedicated page to this.
The easiest way to find out what financial institutions do/don’t pull your ChexSystems is by requesting a free copy of your report and then comparing that to the accounts you’ve signed up for recently. If you do this, please share your results in the comments.
Contents
- 1 Banks & Credit Unions That Do Pull Your ChexSystems
- 1.1 1st Source
- 1.2 1st United
- 1.3 Abound FCU
- 1.4 Achieva Credit Union
- 1.5 Affinity Credit Union
- 1.6 Air Academy Credit Union
- 1.7 Alden Credit Union
- 1.8 All America Bank
- 1.9 Alliant
- 1.10 Ally
- 1.11 Amalgamated
- 1.12 Amerant Bank
- 1.13 American Eagle
- 1.14 Andigo Bank
- 1.15 Andrews Federal Credit Union
- 1.16 Arizona Central Credit Union
- 1.17 Arkansas Federal Credit Union
- 1.18 Arvest
- 1.19 Astoria
- 1.20 Atlantic Credit Union
- 1.21 Avidia Bank
- 1.22 Axos Bank
- 1.23 Bancorp South
- 1.24 Bank of Greene County
- 1.25 Bank of Maine
- 1.26 Bank Of The West
- 1.27 BankMutual
- 1.28 Bank OZK
- 1.29 BB&T
- 1.30 Bethpage
- 1.31 BMO Harris
- 1.32 Bank of Colorado
- 1.33 Bank of Denver
- 1.34 Bank of the West
- 1.35 BankPurely
- 1.36 Bar Harbor Bank & Trust
- 1.37 Bask Bank
- 1.38 BECU
- 1.39 Blue Federal Credit Union
- 1.40 Blue Foundry Bank
- 1.41 Blue Hills Bank
- 1.42 BlueVine
- 1.43 BluPeak
- 1.44 BrightStar Credit Union
- 1.45 Brio Direct
- 1.46 Busey Bank
- 1.47 Byline Bank
- 1.48 Cambridge Savings Bank
- 1.49 Camden National Bank
- 1.50 Carver Federal Savings Bank
- 1.51 CBT Bank
- 1.52 CEFCU
- 1.53 Centennial Bank & Trust
- 1.54 Centier Bank
- 1.55 Central Bank of Oklahoma
- 1.56 Central Bank of the West
- 1.57 Century Bank
- 1.58 Chartway Federal Credit Union
- 1.59 Chemical
- 1.60 Chesapeake Bank
- 1.61 Christian Community Credit Union (CCCU)
- 1.62 CIBC
- 1.63 CIBM Bank
- 1.64 CIT Bank
- 1.65 Citi
- 1.66 City National Bank
- 1.67 Citywide
- 1.68 Clearview Credit Union
- 1.69 Climate First Bank
- 1.70 Clinton Savings Bank
- 1.71 Columbia Bank (NJ)
- 1.72 Columbia Bank (MD)
- 1.73 Comerica Bank
- 1.74 Commerce Bank
- 1.75 Community First Credit Union
- 1.76 Compass Credit Union
- 1.77 Costumers Bank
- 1.78 Country Bank For Savings
- 1.79 Credit Union Of Colorado
- 1.80 Customers Bank
- 1.81 Dedham Savings Bank
- 1.82 Del Norte Credit Union
- 1.83 Digital Federal Credit Union (DCU)
- 1.84 Dollar Bank
- 1.85 Dollar Savings Direct
- 1.86 E*Trade
- 1.87 Eagle Federal Credit Union
- 1.88 East Boston Savings Bank
- 1.89 Eastern Bank
- 1.90 Eastman Savings Bank
- 1.91 Elements Financial
- 1.92 Elevations Credit Union
- 1.93 ENT Credit Union
- 1.94 Essex Bank
- 1.95 Liberty Federal Credit Union (Evansville Teachers Federal Credit Union)
- 1.96 Excite Credit Union
- 1.97 Fairwinds Credit Union
- 1.98 Farmers Insurance Federal Credit Union
- 1.99 Fidelity Bank (PA)
- 1.100 Fidelity Bank (MA/Online)
- 1.101 Fidelity (Cash Management)
- 1.102 Fidelity
- 1.103 Financial Builders Credit Union
- 1.104 Fifth Third
- 1.105 First Advantage Bank
- 1.106 First American Bank
- 1.107 FirstBank
- 1.108 First Bank Financial Center
- 1.109 First Bank & Trust
- 1.110 First Citizens Bank
- 1.111 First Class Community Credit Union
- 1.112 First Commerce Credit Union
- 1.113 First Commonwealth Federal Credit Union
- 1.114 First Federal Of Lakewood
- 1.115 First Financial Bank
- 1.116 First Financial Credit Union
- 1.117 First Horizon Bank
- 1.118 First Merchants Bank
- 1.119 First Midwest Bank
- 1.120 First National Bank
- 1.121 First National Bank of Long Island
- 1.122 First National bank of Omaha (FNBO)
- 1.123 First National Bank of PA
- 1.124 First National Bank & Trust (WI)
- 1.125 First National Bank of Waterloo
- 1.126 First Niagara
- 1.127 First Republic Bank
- 1.128 First Tech Federal Credit Union
- 1.129 First Tennessee
- 1.130 First Trade Union Bank
- 1.131 First United Bank
- 1.132 Fitsimons Credit Union
- 1.133 Five Star Bank
- 1.134 Flagstar Bank
- 1.135 Flushing Bank
- 1.136 Florida Community Bank
- 1.137 Forcht Bank
- 1.138 Found
- 1.139 Fulton Bank
- 1.140 Gateway First Bank
- 1.141 Goldman Sachs Bank
- 1.142 Great River Federal Credit Union
- 1.143 Grow Financial Credit Union
- 1.144 GTE Financial Credit Union
- 1.145 Gulf Coast Bank & Trust
- 1.146 Hanscom Federal Credit Union
- 1.147 HarborOne Bank
- 1.148 HarborStone Credit Union
- 1.149 Healthcare Associates Credit Union
- 1.150 Home Federal Bank Tennessee
- 1.151 Home Savings Bank
- 1.152 HomeStreet Bank
- 1.153 Hometown Community Banks
- 1.154 HomeTrust Bank
- 1.155 Hudson Valley
- 1.156 Iberia Bank
- 1.157 Ideal Credit Union
- 1.158 Indiana Members Credit Union
- 1.159 Investors Bank
- 1.160 Jovia
- 1.161 Justice Federal Credit Union
- 1.162 Keen Bank
- 1.163 KeyBank
- 1.164 Keypoint
- 1.165 Lakeland Bank
- 1.166 Lake Shore Savings
- 1.167 LBS Financial Credit Union
- 1.168 Leader Bank
- 1.169 LegacyTexas Bank
- 1.170 Liberty Bank For Savings
- 1.171 Lyons National Bank
- 1.172 Macatawa
- 1.173 Marquette Bank
- 1.174 Memory Bank
- 1.175 Middlesex Federal Credit Union
- 1.176 MidFirst Bank (Monifi)
- 1.177 Midland States Bank
- 1.178 Mission Federal Credit Union
- 1.179 MoneyLion
- 1.180 Monona Bank
- 1.181 Mountain America Credit Union
- 1.182 My Banking Direct
- 1.183 MyUSA
- 1.184 Nationwide Bank
- 1.185 NBKC Bank
- 1.186 Neighborhood Credit Union
- 1.187 Nevada State Bank
- 1.188 Newtek Bank
- 1.189 Newtown Savings Bank
- 1.190 NJCU FCU
- 1.191 NWFCU
- 1.192 North Easton Savings Bank
- 1.193 Northern Bank Direct
- 1.194 Northfield Bank
- 1.195 Northpointe Bank
- 1.196 Northstate Bank
- 1.197 Northwest Bank
- 1.198 Northwest Federal Credit Union
- 1.199 NRLFCU
- 1.200 NuVision Federal Credit Union
- 1.201 OceanFirst
- 1.202 Old National Bank
- 1.203 Old Second Bank
- 1.204 OneWest Bank
- 1.205 Onpoint Community Credit Union
- 1.206 Orange County Credit Union
- 1.207 Orion Federal Credit Union
- 1.208 PayPal
- 1.209 Parkside Credit Union
- 1.210 Pathways Financial Credit Union
- 1.211 Penn Community Bank
- 1.212 Peoples Bank
- 1.213 People’s United Bank
- 1.214 Picatinny Federal Credit Union
- 1.215 Pinnacle Bank
- 1.216 Pittsfield Coop Bank
- 1.217 Popular Community Bank
- 1.218 Porte Bank
- 1.219 Power Financial Credit Union
- 1.220 Premier Bank
- 1.221 Premier Member Credit Union
- 1.222 Presidential Bank
- 1.223 Primis
- 1.224 Provident Credit Union
- 1.225 PSECU
- 1.226 Quontic Bank
- 1.227 Quorum
- 1.228 RBFCU
- 1.229 Redstone Federal Credit Union
- 1.230 Republic Bank
- 1.231 Rockland Trust Bank
- 1.232 Salem Five Bank
- 1.233 Sandy Spring Bank
- 1.234 Santander
- 1.235 Scient Federal Credit Union
- 1.236 Seacoast National
- 1.237 Security Bank of Crawford
- 1.238 SENB Bank
- 1.239 Service Credit Union
- 1.240 Service Federal Credit Union
- 1.241 SkyOne
- 1.242 SLFCU
- 1.243 SmartBank
- 1.244 Southern Bank & Trust
- 1.245 Southland Credit Union
- 1.246 S&T Bank
- 1.247 Stanford Credit Union
- 1.248 Star One
- 1.249 State Bank of India
- 1.250 State Department Federal Credit Union
- 1.251 State Farm Bank
- 1.252 Sterling National Bank
- 1.253 Stoneham Bank
- 1.254 South State Bank
- 1.255 Sun East Federal Credit Union
- 1.256 Sunflower Bank
- 1.257 Susser Bank
- 1.258 Synchrony
- 1.259 TDECU
- 1.260 Teachers Credit Union
- 1.261 Teachers Federal Credit Union
- 1.262 Tech CU
- 1.263 Telhio Credit Union
- 1.264 The State Bank Group (IL)
- 1.265 Three Rivers Credit Union
- 1.266 Thrivent Federal Credit Union
- 1.267 TIAA
- 1.268 T-Mobile Money
- 1.269 Town and Country Bank
- 1.270 Truist
- 1.271 Truliant
- 1.272 Trustco Bank
- 1.273 TTCU Federal Credit Union
- 1.274 UFB Direct
- 1.275 Umass Five Federal Credit Union
- 1.276 UMB Bank
- 1.277 UniBank
- 1.278 Unify
- 1.279 UnionBank
- 1.280 Union Bank & Trust
- 1.281 United Community Bank
- 1.282 Unitus Community Credit Union
- 1.283 University First Federal Credit Union
- 1.284 Univest
- 1.285 U of I Community Credit Union
- 1.286 US Alliance
- 1.287 US Century
- 1.288 USE Credit Union
- 1.289 Utah First
- 1.290 Webster Bank
- 1.291 Wesbanco
- 1.292 Wescom
- 1.293 Westfield Bank
- 1.294 Wings Financial Credit Union
- 1.295 Wisconsin Bank & Trust
- 1.296 WyHy FCU
- 1.297 VantageWest
- 1.298 Veridian Credit Union
- 1.299 Visions Federal Credit Union
- 1.300 VyStar Credit Union
- 1.301 Xceed Financial Credit Union
- 2 Banks & Credit Unions That Don’t Pull Your ChexSystems
- 2.1 Academy Bank
- 2.2 ACNB
- 2.3 Addition Financial
- 2.4 Albert Bank
- 2.5 American Express High Yield Savings
- 2.6 Arizona Financial Credit Union
- 2.7 Armed Forces Bank
- 2.8 Ashland Credit Union
- 2.9 Aspiration
- 2.10 Atmos Financial
- 2.11 Bank of America
- 2.12 BankESB
- 2.13 Bank of Missouri
- 2.14 BBVA Compass
- 2.15 Cedar Rapids Bank & Trust (CRB&T)
- 2.16 Central Minnesota Credit Union
- 2.17 CFG Bank
- 2.18 Chase
- 2.19 Cheese (Coastal Community)
- 2.20 Chime
- 2.21 Coastal Credit Union
- 2.22 ConnexUs
- 2.23 Consumers Credit Union
- 2.24 Copper Banking
- 2.25 Current (Metropolitan Commercial)
- 2.26 Delta Community Credit Union
- 2.27 Educational Systems Federal Credit Union
- 2.28 Ellevest
- 2.29 Empower
- 2.30 Enzo
- 2.31 Figure Pay
- 2.32 First Florida Credit Union
- 2.33 GoBank
- 2.34 Grasshopper
- 2.35 Greensboro Municipal FCU
- 2.36 Hancock Whitney
- 2.37 H-E-B Debit
- 2.38 Heritage Bank
- 2.39 Incredible Bank
- 2.40 Juno
- 2.41 Langley Credit Union
- 2.42 Laurel Road
- 2.43 LendingClub
- 2.44 Lili Bank
- 2.45 Live Oak Bank
- 2.46 M1 Finance
- 2.47 Marcus Bank
- 2.48 Metropolitan Commercial Bank
- 2.49 Nearside
- 2.50 Motiv
- 2.51 Navy Federal Credit Union (NFCU)
- 2.52 NorthOne
- 2.53 Old Missouri
- 2.54 One Finance
- 2.55 Oxygen
- 2.56 PenFed
- 2.57 Regions Bank
- 2.58 Revolut
- 2.59 Simple Finance
- 2.60 SoFi Money
- 2.61 Spiral
- 2.62 Stash
- 2.63 Stripe
- 2.64 TAB Bank
- 2.65 TBK Bank
- 2.66 TD Bank
- 2.67 Texas Trust Credit Union
- 2.68 Tower Federal Credit Union
- 2.69 Upgrade
- 2.70 USAA
- 2.71 Varo Money
- 2.72 WinTrust
- 2.73 Wysh
- 3 Banks & Credit Unions With Mixed Data Points
- 3.1 Associated Bank
- 3.2 Barclays
- 3.3 Capital One 360
- 3.4 Charles Schwab
- 3.5 Citizens Bank
- 3.6 Discover
- 3.7 HM Bradley
- 3.8 HSBC
- 3.9 Huntington
- 3.10 Insight
- 3.11 Lake Michigan CU
- 3.12 M&T Bank
- 3.13 PNC
- 3.14 SunTrust
- 3.15 TCF Bank
- 3.16 Unify Financial Credit Union
- 3.17 U.S. Bank
- 3.18 Washington Savings Bank
- 3.19 Wells Fargo
- 4 Final Thoughts
Banks & Credit Unions That Do Pull Your ChexSystems
1st Source
1st United
- Does pull: 1,
Abound FCU
Achieva Credit Union
- Does pull: 1,
Affinity Credit Union
Air Academy Credit Union
Alden Credit Union
- Does pull: 1,
All America Bank
Alliant
Ally
Amalgamated
Amerant Bank
- Does pull: 1,
American Eagle
- Does pull: 1
Andigo Bank
Andrews Federal Credit Union
Arizona Central Credit Union
- Does pull: 1
Arkansas Federal Credit Union
- Does pull: 1,
Arvest
- Does pull: 1,
Astoria
- Does pull: 1
Atlantic Credit Union
Avidia Bank
- Does pull: 1
Axos Bank
Bancorp South
Bank of Greene County
- Does pull: 1,
Bank of Maine
- Does pull: 1
Bank Of The West
BankMutual
- Does pull: 1
Bank OZK
- Does pull: 1,
BB&T
Bethpage
- Does pull: 1,
BMO Harris
Bank of Colorado
- Does pull: 1
Bank of Denver
- Does pull: 1,
Bank of the West
BankPurely
Does pull: 1
Bar Harbor Bank & Trust
- Does pull: 1,
Bask Bank
BECU
- Does pull: 1,
Blue Federal Credit Union
Blue Foundry Bank
- Does pull: 1,
Blue Hills Bank
BlueVine
- Does not pull: 1
BluPeak
- Does pull: 1,
BrightStar Credit Union
- Does pull: 1
Brio Direct
- Does pull: 1,
Busey Bank
- Does pull: 1,
Byline Bank
- Does pull: 1,
Cambridge Savings Bank
Camden National Bank
- Does pull: 1
Carver Federal Savings Bank
- Does pull: 1
CBT Bank
- Does pull: CBT Bank,
CEFCU
- Does pull: 1
Centennial Bank & Trust
- Does pull: 1
Centier Bank
- Does pull: 1,
Central Bank of Oklahoma
Central Bank of the West
- Does pull: 1
Century Bank
- Does pull: 1,
Chartway Federal Credit Union
Chemical
- Does pull: 1
Chesapeake Bank
- Does pull: 1,
Christian Community Credit Union (CCCU)
CIBC
CIBM Bank
- Does pull: 1,
CIT Bank
Citi
- Does pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30,
- Doesn’t pull: 1 (savings)
City National Bank
Citywide
- Does pull: 1,
Clearview Credit Union
- Does pull: 1,
Climate First Bank
- Does pull: 1,
Clinton Savings Bank
- Does pull: 1,
Columbia Bank (NJ)
Columbia Bank (MD)
- Does pull: 1,
Comerica Bank
Commerce Bank
- Does pull: 1,
Community First Credit Union
- Does pull: 1,
Compass Credit Union
- Does pull: 1,
Costumers Bank
Country Bank For Savings
- Does pull: 1
Credit Union Of Colorado
- Does pull: 1
Customers Bank
- Does pull: 1
Dedham Savings Bank
- Does pull: 1
Del Norte Credit Union
- Does pull: 1,
Digital Federal Credit Union (DCU)
Dollar Bank
Dollar Savings Direct
- Does pull: 1,
E*Trade
1, 2 (works if Frozen)
Eagle Federal Credit Union
- Does pull: 1
East Boston Savings Bank
- Does pull: 1
Eastern Bank
Eastman Savings Bank
- Does pull: 1,
Elements Financial
Elevations Credit Union
- Does pull: 1
ENT Credit Union
- Does pull: 1,
Essex Bank
Liberty Federal Credit Union (Evansville Teachers Federal Credit Union)
Excite Credit Union
- Does pull: 1,
Fairwinds Credit Union
Farmers Insurance Federal Credit Union
- Does pull: 1,
Fidelity Bank (PA)
Fidelity Bank (MA/Online)
- Does pull: 1,
Fidelity (Cash Management)
Fidelity
- Doesn’t pull: 1,
Financial Builders Credit Union
- Does pull: 1,
Fifth Third
- Does pull: 1, 2, 3 (combined into a single pull for checking & savings on same day), 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14,
First Advantage Bank
- Does pull: 1
First American Bank
- Does pull: 1,
FirstBank
First Bank Financial Center
- Does pull: 1
First Bank & Trust
- Does pull: 1,
First Citizens Bank
- Does pull: 1
First Class Community Credit Union
- Does pull: 1,
First Commerce Credit Union
- Does pull: 1,
First Commonwealth Federal Credit Union
- Does pull: 1,
First Federal Of Lakewood
- Does pull: 1,
First Financial Bank
First Financial Credit Union
- Does pull: 1
First Horizon Bank
- Does pull: 1,
First Merchants Bank
First Midwest Bank
- Does pull: 1,
First National Bank
First National Bank of Long Island
First National bank of Omaha (FNBO)
- Does pull: 1,
First National Bank of PA
- Does pull: 1,
First National Bank & Trust (WI)
- Does pull: 1,
First National Bank of Waterloo
- States they do pull on bonus page
First Niagara
First Republic Bank
- Does pull: 1,
First Tech Federal Credit Union
First Tennessee
First Trade Union Bank
- Does pull: 1
First United Bank
- Does pull: 1,
Fitsimons Credit Union
- Does pull: 1,
Five Star Bank
- Does pull: 1
Flagstar Bank
- Does pull: 1,
Flushing Bank
Florida Community Bank
- Does pull: 1
Forcht Bank
- Does pull: 1,
Found
- Does pull: 1,
Fulton Bank
Gateway First Bank
- Does pull: 1,
Goldman Sachs Bank
- Does pull: 1
Great River Federal Credit Union
- Does pull: 1,
Grow Financial Credit Union
- Does pull according to information given by the credit union
GTE Financial Credit Union
- Does pull: 1,
Gulf Coast Bank & Trust
- Does pull: 1,
Hanscom Federal Credit Union
- Does pull: 1,
HarborOne Bank
HarborStone Credit Union
- Does pull: 1,
Healthcare Associates Credit Union
- Does pull: 1,
Home Federal Bank Tennessee
- Does pull: 1 (via e-mail on 10/8/22)
Home Savings Bank
- Does pull: 1
HomeStreet Bank
- Does pull: 1
Hometown Community Banks
- Does pull: 1
HomeTrust Bank
Hudson Valley
- Does pull: 1
Iberia Bank
Ideal Credit Union
Indiana Members Credit Union
- Does pull: 1,
Investors Bank
Jovia
Justice Federal Credit Union
- Does pull: 1
Keen Bank
- Does pull: 1,
KeyBank
Keypoint
Lakeland Bank
- Does pull: 1,
Lake Shore Savings
- Does pull: 1
LBS Financial Credit Union
- Does pull: 1,
Leader Bank
LegacyTexas Bank
- Does pull: 1
Liberty Bank For Savings
- Does pull: 1
Lyons National Bank
- Does pull: 1,
Macatawa
- Does pull: 1,
Marquette Bank
- Does pull: 1
Memory Bank
Middlesex Federal Credit Union
- Does pull: 1,
MidFirst Bank (Monifi)
Midland States Bank
Mission Federal Credit Union
- Does pull: 1
MoneyLion
- Does pull: 1,
Monona Bank
- Does pull: 1,
Mountain America Credit Union
- Does pull: 1
My Banking Direct
MyUSA
- Does pull: 1,
Nationwide Bank
NBKC Bank
- Does pull: 1,
Neighborhood Credit Union
- Does pull: 1,
Nevada State Bank
- Does pull: 1
Newtek Bank
- Does pull: 1,
Newtown Savings Bank
NJCU FCU
- Does pull: 1,
NWFCU
- Does pull: 1,
North Easton Savings Bank
- Does pull: 1,
Northern Bank Direct
- Does pull: 1,
Northfield Bank
- Does pull: 1,
Northpointe Bank
Northstate Bank
- Does pull: 1,
Northwest Bank
Northwest Federal Credit Union
- Does pull: 1,
NRLFCU
NuVision Federal Credit Union
- Does pull: 1
OceanFirst
Old National Bank
Old Second Bank
- Does pull: 1,
OneWest Bank
Onpoint Community Credit Union
- Does pull: 1,
Orange County Credit Union
- Does pull: 1,
Orion Federal Credit Union
PayPal
- Does pull: 1,
Parkside Credit Union
- Does pull: 1
Pathways Financial Credit Union
- Does pull: 1,
Penn Community Bank
- Does pull: 1
Peoples Bank
- Does pull: 1,
People’s United Bank
- Does pull: 1,
Picatinny Federal Credit Union
- Does pull: 1,
Pinnacle Bank
Pittsfield Coop Bank
Popular Community Bank
Porte Bank
Power Financial Credit Union
- Does pull: 1
Premier Bank
Premier Member Credit Union
- Does pull: 1,
Presidential Bank
- Does pull: 1,
Primis
- Does pull: 1,
Provident Credit Union
PSECU
Quontic Bank
Quorum
RBFCU
- Does pull: 1
Redstone Federal Credit Union
Republic Bank
- Does pull: 1,
Rockland Trust Bank
Salem Five Bank
Sandy Spring Bank
Santander
- Does pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23 (personal & business), 24, 25,
- Doesn’t pull: 1,
Scient Federal Credit Union
- Does pull: 1
Seacoast National
- Does pull: 1
Security Bank of Crawford
- Does pull: 1,
SENB Bank
- Does pull: 1,
Service Credit Union
Service Federal Credit Union
- Does pull: 1,
SkyOne
SLFCU
Now called Sunward
SmartBank
- Does pull: 1 (via e-mail on 9/24/20)
Southern Bank & Trust
- Does pull: 1,
Southland Credit Union
- Does pull: 1,
S&T Bank
Stanford Credit Union
Star One
State Bank of India
- Does pull: 1,
State Department Federal Credit Union
State Farm Bank
- Does pull: 1,
Sterling National Bank
Stoneham Bank
South State Bank
Sun East Federal Credit Union
- Does pull: 1
Sunflower Bank
Susser Bank
- Does pull: 1,
Synchrony
- Does pull: 1
TDECU
- Does pull: 1,
Teachers Credit Union
- Does pull: 1,
Teachers Federal Credit Union
Tech CU
Telhio Credit Union
- Does pull: 1,
The State Bank Group (IL)
- Does pull: 1,
Three Rivers Credit Union
- Does pull: 1,
Thrivent Federal Credit Union
TIAA
- Does pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10,
- Doesn’t pull: 1 (savings), 2 (previous account holder), 3,
T-Mobile Money
- Does pull: 1,
Town and Country Bank
- Does pull: 1
Truist
Truliant
- Does pull: 1,
Trustco Bank
- Does pull: 1,
TTCU Federal Credit Union
- Does pull: 1,
UFB Direct
- Does pull: 1,
Umass Five Federal Credit Union
- Does pull: 1,
UMB Bank
- Does pull: 1,
UniBank
- Doesn’t pull: 1,
Unify
UnionBank
- Does pull: 1,
Union Bank & Trust
United Community Bank
- Does pull: 1,
Unitus Community Credit Union
- Does pull: 1,
University First Federal Credit Union
- Does pull: 1,
Univest
- Does pull: 1
U of I Community Credit Union
- Does pull: 1,
US Alliance
- Does pull: 1,
US Century
- Does pull: 1
USE Credit Union
- Does pull: 1,
Utah First
- Does pull: 1,
Webster Bank
- Does pull: 1,
Wesbanco
- Does pull: 1
Wescom
Westfield Bank
Wings Financial Credit Union
Wisconsin Bank & Trust
- Does pull: 1
WyHy FCU
- Does pull: 1 (via e-mail on 4/11/18)
VantageWest
Veridian Credit Union
- Does pull: 1,
Visions Federal Credit Union
- Does pull: 1,
VyStar Credit Union
- Does pull: 1,
Xceed Financial Credit Union
- Does pull: 1,
Banks & Credit Unions That Don’t Pull Your ChexSystems
Academy Bank
ACNB
- Doesn’t pull: 1
Addition Financial
Albert Bank
American Express High Yield Savings
Arizona Financial Credit Union
- Doesn’t pull: 1,
Armed Forces Bank
Ashland Credit Union
- Doesn’t pull: 1,
Aspiration
Atmos Financial
- Doesn’t pull: 1,
Bank of America
- Did pull: 1,
- Doesn’t pull: 1, 2 (existing savings account), 3, 4, 5, 6, 7, 8, 9,
- Doesn’t pull with existing account: 1, 2 (credit card), 3 (checking)
BankESB
- Doesn’t pull: 1,
Bank of Missouri
- Doesn’t pull: 1,
BBVA Compass
Cedar Rapids Bank & Trust (CRB&T)
- Doesn’t pull: 1,
Central Minnesota Credit Union
- Doesn’t pull: 1,
CFG Bank
- Doesn’t pull: 1,
Chase
- Doesn’t pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36,
- Business doesn’t pull: 1, 2, 3, 4,
Cheese (Coastal Community)
- Doesn’t pull: 1,
Chime
Coastal Credit Union
ConnexUs
Consumers Credit Union
Copper Banking
- Doesn’t pull: 1,
Current (Metropolitan Commercial)
Delta Community Credit Union
Educational Systems Federal Credit Union
- Doesn’t pull: 1,
Ellevest
- Doesn’t pull: 1,
Empower
- Doesn’t pull: 1,
Enzo
Figure Pay
- Doesn’t pull: 1,
First Florida Credit Union
GoBank
- Does pull: 1,
Grasshopper
- Doesn’t pull: 1,
Greensboro Municipal FCU
- Doesn’t pull: 1
Hancock Whitney
H-E-B Debit
- Doesn’t pull: 1,
Heritage Bank
- Doesn’t pull: 1,
Incredible Bank
- Doesn’t pull: 1,
Juno
- Doesn’t pull: 1,
Langley Credit Union
- Doesn’t pull: 1,
Laurel Road
- Doesn’t pull: 1,
LendingClub
- Doesn’t pull: 1,
Lili Bank
Live Oak Bank
- Doesn’t pull: 1,
M1 Finance
- Doesn’t pull: 1,
Marcus Bank
Metropolitan Commercial Bank
- Doesn’t pull: 1,
Nearside
- Doesn’t pull: 1,
Motiv
- Does pull: 1,
- Doesn’t pull: 1,
NorthOne
- Doesn’t pull: 1,
Old Missouri
- Doesn’t pull: 1
One Finance
Oxygen
- Dosn’t pull: 1,
PenFed
Regions Bank
Revolut
Simple Finance
- Doesn’t pull: 1,
SoFi Money
Spiral
- Doesn’t pull: 1,
Stash
- Doesn’t pull: 1,
Stripe
- Doesn’t pull: 1,
TAB Bank
- Doesn’t pull: 1 (6/28/22 via e-mail)
TBK Bank
- Doesn’t pull: 1,
TD Bank
Texas Trust Credit Union
- Doesn’t pull: 1,
Tower Federal Credit Union
Upgrade
USAA
- Doesn’t pull: 1,
Varo Money
WinTrust
Wysh
- Doesn’t pull: 1,
Banks & Credit Unions With Mixed Data Points
With banks in this section, it’s probably important to look at the date of data points, stuff that is more recent is more likely to be accurate as some financial institutions have transitioned away from relying on ChexSystems.
Associated Bank
Barclays
Capital One 360
- Does pull: 1, 2, 3, 4, 5, 6, 7, 8, 9,
- Doesn’t pull: 1, 2 (already had checking), 3, 4, 5, 6, 7, 8, 9,
Charles Schwab
- Does pull: 1, 2, 3, 4, 5, 6 (for savings account on 2/8/22 via e-mail), 7, 8,
- Doesn’t pull for brokerage ONE investment account: 1
Citizens Bank
Discover
- Checking, does pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 (savings), 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21,
- Doesn’t pull: 1, 2 (savings), 3 (savings), 4 (savings), 5 (savings), 6 (aaa savings), 7 (savings), 8 (savings), 9 (savings), 10, 11, 12,
HM Bradley
HSBC
Huntington
Insight
- Doesn’t pull: 1
Lake Michigan CU
M&T Bank
PNC
- Does pull: 1, 2, 3, 4, 5, 6, 7, 8,
- Doesn’t pull: 1, 2, 3, 4, 5, 6, 7, 8 (in branch), 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23,
SunTrust
TCF Bank
Unify Financial Credit Union
- Does pull: 1,
U.S. Bank
- Does pull: 1, 2, 3 (also reports that they have signs up saying they specifically do use ChexSystems), 4, 5, 6, 7, 8,
- Doesn’t pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21,
Washington Savings Bank
- Does pull: 1,
Wells Fargo
- Does pull: 1,
- Doesn’t pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34,
Final Thoughts
Resource pages like this are as useful as readers make them, if you can contribute then please do so to increase the knowledge base for everybody. I’ll be including a link to this page on every bank bonus post to encourage people to share their data points. We’ll also add a section to the quick glance bit for whether they do/don’t use ChexSystems to give quick access to this information as well. If you found this page helpful, you might also enjoy the following pages:
- A Beginners Guide To Bank Account Bonuses
- Bank Account Reference Pages
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- Complete List Of Ways To Close Bank Accounts At Each Bank
- Bank Accounts That Can Be Funded With A Credit Card
- List Of Methods Banks Count As Direct Deposits
- Is Opening A Bank Account A Soft Or Hard Pull?
Started early 2024 and here’s what I have to report:
Pulled Chex:
Truist
Bank of Texas (Bank of Oklahoma on the report)
PSECU
Wings Credit Union
BMO Harris
First Horizon
Citi
Didn’t pull Chex:
PNC
Chime
Capital One
SoFi
Sunward*
USAA
Chase
Regions
Bank of America
*I just opened Sunward 4 days before running the report — I was pretty sure that would pull Chex, but maybe not? Or maybe it hasn’t shown yet. I’ll comment if it changes.
I just checked and saw that you made 2 comments in the Sunward post here: https://www.doctorofcredit.com/nm-ca-az-tx-co-sunward-225-checking-bonus/.
Did you read through the comments in that post before you applied? The reason that I ask is because there has been a lot of discussion about Sunward no longer pulling Chex. In fact, I’ve only seen 1 DP of Sunward pulling Chex recently and that person applied in-branch.
Therefore, you are very likely waiting for a ghost. 😉
Not before I applied, because I wasn’t really concerned about Chex. Not until it gave me three additional document requests (totaling 7 documents I believe) and I wondered if that was to blame. It’s really neither here nor there, just reporting my experience.
You wrote “I was pretty sure that would pull Chex, but maybe not? Or maybe it hasn’t shown yet. I’ll comment if it changes.” I was trying to save you from wasting time looking at your Chex again.
Yep! Did more digging after posting. Can’t update a comment and didn’t see a need to reply to my own comment that I wouldn’t be checking. Thanks for looking out though.
Pulled Chex:
WECU
Coastal Credit Union
Global Credit Union
Vibrant Credit Union
(No HP to any bureau)
Pulled Chex:
Suffolk FCU
M&T
Citizens
Flagstar
Affinity FCU
Did not pull Chex:
Key
Chime
Santander
SoFi
Island FCU
Applied in-branch to Flagstar, all the rest were online
applied for island fcu after this and they definitely pulled my chex
The Laurel Road DP links to the Wells Fargo checking page
I can confirm that Bankers Trust does:
1) Soft Pull and
2) it is ChexSystems sensitive.
I went to the bank today and was denied to open an account due to Chex. Bankers was nice, he told me how to dispute info with Chexsystems and remove the incorrect information on my account.
A DP for Park National Bank: Inquiry (2024) is on Chex report (2025).
Cedar Rapids Bank & Trust (CRB&T) did not pull ChexSystems inquiry as of April 2025.
Did you apply from OOS?
Key Bank pulls in branch and will print off chex report
I have not being approved by several banks, I requested 2 reports with Chex and EWS, what other services are there out on which I might need to take a peek? thanks
Realistically, just LexisNexis/Sagestream, and of course EX/EQ/TU & Innovis.
Deep dive:
https://getassistance.telecheck.com/consumer-file-report/
https://nctue.com/
Those were all the interesting ones. The below site lists MANY more, but you may find most are blank.
https://inteltechniques.com/requests.html
The CFPB has a pretty nice list, with links to get the reports.
https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/
You are on the wrong post. Citizens, TD Bank, and U.S. Bank primarily use Early Warning Services for account approval. That’s where you should start looking for answers and pull your report. Takes weeks to get it.
https://www.doctorofcredit.com/everything-youve-wanted-know-early-warning-services-ews/
Also, you made no mention of your regular credit reports. Some of those may need to soft pull credit before approving, and GTE is a hard pull, none of which cannot be accessed if frozen. U.S. Bank soft pulls Innovis. If none of which are frozen, I would do a fine-toothed comb review of them all.
Lastly, LexisNexis is use by almost all banks/CU’s for online openings. Make sure it, and Sagestream (part of LN now), is not frozen. Pull a copy of it too. @guest_2057237