Published on July 8th, 2016 | by William Charles

What Banks & Credit Unions Do/Don’t Pull ChexSystems?

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
2 Banks & Credit Unions That Don’t Pull Your ChexSystems
3 Banks & Credit Unions With Mixed Data Points
4 Final Thoughts

Banks & Credit Unions That Do Pull Your ChexSystems

1st Source

Does pull: 1,

Air Academy Credit Union

Does pull: 1,

Alden Credit Union

Does pull: 1,

All America Bank

Does pull: 1, 2, 3,

Alliant

Does pull: 1, 2, 3, 4, 5, 6,

Ally

Does pull: 1, 2, 3, 4, 5,

Amalgamated

Does pull: 1, 2, 3 (did not do additional pull for savings account opened later)

American Eagle

Does pull: 1

Andigo Bank

Does pull: 1

Arizona Central Credit Union

Does pull: 1

Arvest

Does pull: 1,

Astoria

Does pull: 1

Avidia Bank

Does pull: 1

Bancorp South

Does pull: 1, 2, 3, 4,

Bank of Maine

Does pull: 1

Bank Of The West

Does pull: 1, 2,

BankMutual

Does pull: 1

BB&T

Does pull: 1, 2, 3, 4,

BMO Harris

Does pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16,

Bank of Colorado

Does pull: 1

Bank of the West

Does pull: 1, 2, 3, 4,

BankPurely

Does pull: 1

Blue Federal Credit Union

Does pull and is sensitive

Blue Hills Bank

Does pull and is sensitive, 2

BrightStar Credit Union

Does pull: 1

Cambridge Savings Bank

Does pull: 1, 2,

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

Central Bank of Oklahoma

Does pull: 1, 2,

Central Bank of the West

Does pull: 1

Century Bank

Does pull: 1,

Chartway Federal Credit Union

Does pull: 1, 2, 3, 4,

Chemical

Does pull: 1

Christian Community Credit Union (CCCU)

Does pull: 1, 2 (seperate pulls for initial checking and a later CD), 3, 4,

CIBC

Does pull: 1,

CIT Bank

Does pull: 1

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,
Doesn’t pull: 1 (savings)

City National Bank

Does pull: 1, 2,

Citywide

Does pull: 1,

Clinton Savings Bank

Does pull: 1,

Columbia Bank (NJ)

Does pull: 1, 2,

Columbia Bank (MD)

Does pull: 1,

Commerce Bank

Does pull: 1,

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

Digital Federal Credit Union (DCU)

Does pull: 1,

Dollar Bank

Does pull: 1

Eagle Federal Credit Union

Does pull: 1

East Boston Savings Bank

Does pull: 1

Eastern Bank

Does pull: 1, 2,

Eastman Savings Bank

Does pull: 1,

Elements Financial

Does pull: 1, 2 (pulled for both checking & savings), 3, 4, 5, 6, 7,

Elevations Credit Union

Does pull: 1

Essex Bank

Does pull: 1, 2,

Evansville Teachers Federal Credit Union

Does pull: 1

Fidelity Bank (PA)

Does pull: 1
Doesn’t pull 1 (cash management account), 2 (cash management)

Fidelity Bank (MA/Online)

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,

First Advantage Bank

Does pull: 1

FirstBank

Does pull: 1, 2, 3,

First Bank Financial Center

Does pull: 1

First Bank & Trust

Does pull: 1,

First Citizens Bank

Does pull: 1

First Federal Of Lakewood

Does pull: 1,

First Financial Bank

Does pull: 1,

First Financial Credit Union

Does pull: 1

First Merchants Bank

Does pull: 1, 2

First National Bank

Does pull: 1, 2 (did not do additional pull for new account opened in 2017), 3

First National Bank of Long Island

Does pull: 1, 2,

First National Bank of PA

Does pull: 1,

First National Bank of Waterloo

States they do pull on bonus page

First Niagara

Does pull: 1, 2, 3

First Tech Federal Credit Union

Does pull: 1, 2, 3, 4,

First Tennessee

Does pull: 1, 2, 3, 4, 5, 6, 7, 8, 9,

First Trade Union Bank

Does pull: 1

Fitsimons Credit Union

Does pull: 1,

Five Star Bank

Does pull: 1

Flushing Bank

Does pull: 1,

Florida Community Bank

Does pull: 1

Forcht Bank

Does pull: 1,

Fulton Bank

Does pull: 1, 2, 3, 4,

Goldman Sachs Bank

Does pull: 1

Grow Financial Credit Union

Does pull according to information given by the credit union

HarborOne Bank

Does pull: 1, 2, 3

Home Savings Bank

Does pull: 1

HomeStreet Bank

Does pull: 1

Hometown Community Banks

Does pull: 1

HomeTrust Bank

Does pull: 1, 2, 3,

Hudson Valley

Does pull: 1

Iberia Bank

Does pull: 1, 2,

Ideal Credit Union

Does pull: 1, 2

Investors Bank

Does pull: 1,

Justice Federal Credit Union

Does pull: 1

Lakeland Bank

Does pull: 1,

Lake Shore Savings

Does pull: 1

Leader Bank

Does pull: 1, 2

LegacyTexas Bank

Does pull: 1

Liberty Bank For Savings

Does pull: 1

Lyons National Bank

Does pull: 1,

KeyBank

Does pull: 1, 2, 3, 4, 5, 6, 7,
Doesn’t pull: 1 (old dp), 2, 3, 4,

Marquette Bank

Does pull: 1

Memory Bank

Does pull: 1, 2, 3, 4, 5, 6,

Mission Federal Credit Union

Does pull: 1

Mountain America Credit Union

Does pull: 1

My Banking Direct

Does pull: 1, 2, 3,

Nationwide Bank

Does pull: 1, 2, 3,

NBKC Bank

Does pull: 1,

Nevada State Bank

Does pull: 1

Newtown Savings Bank

Does pull: 1, 2

Northern Bank Direct

Does pull: 1,

Northfield Bank

Does pull: 1,

Northpointe Bank

Does pull: 1, 2, 3, 4, 5, 6, 7, 8,

Northwest Bank

Does pull: 1, 2, 3, 4, 5,

NRLFCU

Does pull: 1, 2

NuVision Federal Credit Union

Does pull: 1

OceanFirst

Does pull: 1

Old National Bank

Does pull: 1, 2,

OneWest Bank

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

Does pull: 1, 2, 3, 4, 5,

Popular Community Bank

Does pull: 1, 2, 3,

Power Financial Credit Union

Does pull: 1

Premier Member Credit Union

Does pull: 1,

Provident Credit Union

Does pull: 1, 2,

Quorum

Does pull: 1, 2, 3

RBFCU

Does pull: 1

Redstone Federal Credit Union

Does pull: 1,

Rockland Trust Bank

Does pull: 1

Salem Five Bank

Does pull: 1

Sandy Spring Bank

Does pull: 1, 2, 3, 4, 5,

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)

Scient Federal Credit Union

Does pull: 1

Seacoast National

Does pull: 1

S&T Bank

Does pull: 1, 2,

Stanford Credit Union

Does pull: 1, 2,

Star One

Does pull: 1, 2,

State Bank of India

Does pull: 1,

Sterling National Bank

Does pull: 1

Stoneham Bank

Does pull: 1, 2,

Sun East Federal Credit Union

Does pull: 1

Sunflower Bank

Does pull: 1, 2, 3, 4,

Synchrony

Does pull: 1

Tech CU

Does pull: 1, 2, 3, 4

Thrivent Federal Credit Union

Does pull: 1, 2,

TIAA

Does pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10,
Doesn’t pull: 1 (savings), 2 (previous account holder),

Town and Country Bank

Does pull: 1

Umass Five Federal Credit Union

Does pull: 1,

Unify

Does pull: 1, 2,

Union Bank & Trust

Does pull: 1, 2, 3,

Univest

Does pull: 1

U of I Community Credit Union

Does pull: 1,

US Alliance

Does pull: 1,

US Century

Does pull: 1

Utah First

Does pull: 1,

Wesbanco

Does pull: 1

Westfield Bank

Does pull: 1, 2, 3, 4,

Wisconsin Bank & Trust

Does pull: 1

WyHy FCU

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

VantageWest

Does pull: 1,

Xceed Financial Credit Union

Does pull: 1,

Banks & Credit Unions That Don’t Pull Your ChexSystems

ACNB

Doesn’t pull: 1

Bank of America

Did pull: 1,
Doesn’t pull: 1, 2 (existing savings account), 3, 4, 5,
Doesn’t pull with existing account: 1, 2 (credit card), 3 (checking)

BankESB

Doesn’t pull: 1,

BBVA Compass

Doesn’t pull: 1, 2, 3,

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,
Business doesn’t pull: 1, 2, 3

Consumers Credit Union

Doesn’t pull: 1, 2,
Does pull: 1, 2,

Empower

Doesn’t pull: 1,

GoBank

Does pull: 1,

Greensboro Municipal FCU

Doesn’t pull: 1

Hancock Whitney

Doesn’t pull: 1, 2,

Heritage Bank

Doesn’t pull: 1,

Incredible Bank

Doesn’t pull: 1,

Motiv

Does pull: 1,

Old Missouri

Doesn’t pull: 1

PenFed

Doesn’t pull: 1,

Regions Bank

~~Does pull: 1 (might not pull)~~
Does not pull: 1, 2, 3, 4, 5, 6, 7, 8, 9,

TD Bank

Doesn’t pull: 1, 2, 3, 4, 5, 6, 7, 8, 9,

USAA

Doesn’t pull: 1,

Varo Money

Doesn’t pull: 1, 2,

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

Doesn’t pull: 1, 2, 3, 4
Does pull: 1

Barclays

Does pull: 1

Capital One 360

Does pull: 1, 2, 3, 4, 5, 6, 7, 8, 9,
Doesn’t pull: 1, 2 (already had checking), 3,

Charles Schwab

Does pull: 1, 2,
Doesn’t pull for brokerage ONE investment account: 1

Citizens Bank

Does pull: 1, 2, 3, 4,
Doesn’t pull: 1, 2,

Discover

Checking, does pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 (savings), 11, 12, 13,
Doesn’t pull: 1, 2 (savings), 3 (savings), 4 (savings), 5 (savings), 6 (aaa savings), 7 (savings), 8 (savings), 9 (savings)

HSBC

Does pull: 1, 2, 3, 4, 5, 6, 7, 8, 9,
Doesn’t pull: 1, 2, 3, 4, 5, 6, 7, 8, 9,

Huntington

Doesn’t pull: 1, 2, 3 (both personal & business), 4, 5, 6, 7,
Does pull: 1

Insight

Doesn’t pull: 1

Lake Michigan CU

Does pull: 1, 2, 3
Doesn’t pull: 1

M&T Bank

Does pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12,
Doesn’t pull: 1

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,

SunTrust

Does pull: 1
Doesn’t pull: 1, 2, 3, 4, 5,

TCF Bank

Does pull: 1
Doesn’t pull: 1

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,
Doesn’t pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11,

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,

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:

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newest oldest most voted

M&T bank does pull your ChexSystems

William Charles

Thanks, added.

Monesha

Navy federal pulls early warning

edrossi

TCF doesn’t do a pull.

William Charles

Thank you, added!

Eric79

TCF was listed on Chexsystems report.

Skyriver

Does not pull ChexSystems:
1. Key Bank
2. Huntington
3. Bank of America (saving account)

Does pull:
1. Amalgamated
2. Alliant Credit Union
3. Citizens
4. Fifth Third
5. Citi

(Less relevant) Soft pull Experian:
1. PNC
2. Bank of America
3, Tech CU
4. Citi
5. Discover

Bill

When you see a soft pull (SP) on your report, keep in mind that many financial institutions want to see what other services that you might qualify for while opening the checking account.
Huntington, for example, will SP your Equifax report. If you accept their preapproval offer, they will place a hard inquiry on the report. (you’ll see both). Citizens places a SP for the initial preapproval process, and as of July 2016 does not place a HP if you accept their preapproval for their credit cards.

William Charles

With Bofa, did you already have an existing checking account?

Skyriver

Sorry for the late reply.

No, the saving account is my first and only BofA banking account

William Charles

Also: Thanks, added.

Amy

Bank of America DOES report all of your account data and monthly balances to Early Warning. I closed my account once I saw this on my EW report.

Provident CU Justice Federal CU, Homestreet Bank, 1st TN, Tech CU, Nationwide Bank, and Mission Fed CU all pull ChexSystems.

William Charles

Thanks, added.

weedibix

provident pulled chex and declined to open a new account based on too many opened accounts.

DAVID KOUTROULIS

I just tried to open a regular checking account online with HomeStreet Bank and I was denied because of info on CHEXSYSTEMS

Thanks ! David in Seattle
Seattle, WA 25 MAY 2019

Jeff H

Not on your list – Nationwide Bank DOES PULL ChexSYSTEMS.
Source: ChexSystems report pulled June 28,2016.
Date of the check by Nationwide Bank 07/25/2014

===============
This ChexSystems report CONFIRMS NorthPointe Bank pull 03/21/2016
(DOC promo)

William Charles

Thanks, added.

Dan

If you already have a savings account with a bank, will they do a separate ChexSystems pull to open a checking account?

If you open a savings account and checking account on the same day, do they usually combine pulls?

Bill

It depends. Some institutions will request your Chex or EWS for either the savings or checking. If you have an established relationship, some banks won’t recheck. Another factor is that they can review the report much like a traditional soft inquiry if they choose to.
I was talking with a Fifth Third about why I saw an inquiry on Chex for a savings account that the FSR basically begged me to open a couple of weeks after my initial checking account opening. The FSR agreed that there was no reason to place a second hard inquiry on Chex, but said he could not do anything about the second hard inquiry for the savings account.

anthonyjh21

Don’t forget Lake Michigan Credit Union (LMCU). They pull TU.

William Charles

This is different to that, those are hard credit inquiries. This thread just deals with ChexSystems, always check the other post for hard/soft.

anthonyjh21

My bad, realized that after I posted…you’re right.

William Charles

No problem, thanks for trying to help!

John

Elevations Credit Union pulled my chexsystems and denied me for it (with a scant 7 bank accounts opened in the past 2 years) even after getting an instant acceptance online. I’m a CO resident as well.

William Charles

Thanks, added.

Jeff H

BankAmerica
Got MLB MC instantly approved followed by $300 savings account a couple of weeks later (Apr 2, 2016). Some review delay in approval of savings account. BankAmerica does NOT show up on my ChexSystems report dated June 28,2016.
Not sure if MLB MC was a reason.

Hey, Jeff
Was bofa offering some special for the savings account? I can’t find any offers, only checking account offer.

Jeff H

No special offer. I did it for the extra 10% of the MLB MC Cash Back.
Did the saving account.
Collected the $200.00 sign up bonus in the savings account … not MC statement credit.
BAC deposited $220 plus 1.10 times the promised CC rewards/cash back.
. Hard to beat that kind of return on $300.00.
Next thing I know, I pulled out my original $300.00 and the MC reward money was getting a decent return. (10%)
I now have a cash flow backup in case I need to use some of this money for minimum payment.
It is just important to keep it at $300.00 or more to avoid fees.

William Charles

Did you have a checking account with them as well?

Jeff H

No prior account at BAC except FIA Services Fidelity AMEX and Visa CCs which are now transferring to Elan.
BAC is not active in my market except Kroger 1-2-3 Cash Back CC.
I got the MLB MC as an App-o-rama credit card on a whim after letting my FICO improve to no active HPs on any credit report.
After reading up on the MLB CC, I got the savings account as the best terms for me to get the extra 10% rewards possible for that card.
I only got the $300 min bal savings account to improve the MLB MC cash back rewards.
Yes, I got the MLB MC for the bonus. After that the savings account just made sense to me PRIOR to collecting the signup bonus for the MLB MC.
The two made a nice bundle.
In my case, BAC checking does not make sense due to the minimum balance.

William Charles

Thanks, added.

CGID

Hello all. I am re-posting below a comment I submitted on April 20 to a similar DoC thread (“Banks & Credit Unions That Are ChexSystems Inquiry Sensitive”, March 29). The gist is that ChexSystems is not the only CRA that banks use. There is a competitor called EWS (Early Warning Services) that many major banks use. Focusing only on CS might lead a person to believe that some banks aren’t pulling this kind of report, when in fact they are. ======= First off thanks so much for initiating this kind of thread. It’s a great idea and could be a tremendous resource for those of us who open bank accounts for bonuses. (And when a person combines the bank bonus with funding a credit card, the bonus can be really high.) I note that you are focused on ChexSystems exclusively here. I’d like to suggest that you rework this resource, if you have the time, so that it discusses both CS and also EWS (Early Warning Services). EWS is a competitor CRA to ChexSystems and there are some banks that only report to EWS, some that report only to CS, and some that report to both. The idea of reporting only to one is especially common when all that is being reported is an inquiry or a new account. Thus, when you identify Wells Fargo and Chase as very CS-friendly, that’s because they are part of the consortium that created EWS and uses it heavily. I have opened two different Chase bank accounts and two different Wells Fargo accounts and two different Regions accounts in the last 10 months — all on six different days. None of them appear anywhere on my CS report and all of them appear on my EWS report. Thus I am not surprised that Chase might not care if I have 20 inquiries on my CS report. That’s because they aren’t pulling it. Much more interesting would be to hear about a person’s EWS report who gets approved or denied at Chase. So what I think might be helpful is to revise your resource as follows: * Make it a resource that explains the concept of CRAs that track inquiries and new accounts for consumers opening bank accounts. * Give a short description of ChexSystems and EWS as the two main CRAs for this. * Encourage people to post data that indicate whether a particular… Read more »

CGID

“[EWS] is owned by seven of the country’s most respected FSOs – Bank of
America, BB&T, Capital One, JPMorgan Chase, PNC, U.S. Bank and Wells Fargo.”

https://www.earlywarning.com/pdf/early-warning-corporate-overview.pdf

I can confirm that PNC reports to both (it appeared on both my CS and EWS report). Citi and Discover also appeared on both for me.

My BOA, Chase, and Wells Fargo appeared only on my EWS. Same for Regions.

I have no accounts with BB&T, Cap One, and US Bank, so I can’t see from personal experience whether they report only to EWS, though I wouldn’t be surprised if that was true.

AlarmingConsequence

Good Observation!

arizonapv – Do I need to lift my credit freeze at the Credit Bureau to not have my application for their 360 Money Market rejected? Or am I confusing credit bureau inquiries for credit cards with bank accounts?

According to the site https://lendedu.com/blog/which-credit-reporting-agencies-banks-use/, Capital One uses TransUnion.

Jeff H

Early Warning consumer web page:

https://www.earlywarning.com/consumer-information.html

I called. They claimed not to have anything on me which is interesting since I have WF accounts. They sent me a form which I can fill out including Identifying information and they will recheck. After processing the form they will send me a report or verify that they have nothing on me.
All my comment are based on telephone call to telephone number on the website I supplied.

William Charles

Yes, we will have a separate source on EWS.

CGID

Great! Thanks.

Jeff S.

Goodie.

In my recent experience over the last 3 months, only 1/2 of the banks report to EWS. Santander, US Bank, and Citibank do, but Amalgamated, Bank of America, & BMO Harris do not.

David K

I just tried to open a regular checking account online with HomeStreet Bank and I was denied because of info on CHEXSYSTEMS

Thanks ! David in Seattle
Seattle – WA 25 MAY 2019

BB&T does hard credit check. Yuck. Stay away unless big bonus.

Jeff S.

A BB&T (Branch Banking & Trust) inquiry is on my ChexSystems report. The report is dtd 16 June 2016, but the inquiry was back in February 2014. BB&T may have changed their policy, or screening everyone for the “overdraft protection” service and creating a credit check.

LOL

Banks & Credit Unions That Don’t EXIST:
* Washington Mutual

William Charles

Haha, let me fix that. Copied a lot of data points over from the soft pull thread and didn’t really pay attention.

Logan

Sunflower bank is a chexsystems inquiry.

William Charles

Thanks, added.

Eric

In 2004, Associated Bank pulled my chexsystems and denied me a deposit account due to an overdraft and account closure from BankOne(maybe it was chase, they merged).

They said I could take a money management/finance seminar and then would be allowed a new account.

Nick

Ok so I just pulled mine last week after KeyBank denied me. Here we go:

Pulled:
-Discover Bank (10/14)
-Hudson Valley FCU (7/15)
-Northpointe Bank (3/16)
-PNC Bank (4/16)
-M&T Bank (3 times! Approved, 5/16)
-Popular Community Bank (5/16)
-Technology CU (denied, 5/16)
-NRLFCU (approved, never opened after waiting two weeks for sign up, 5/16)
-KeyBank (denied, 6/16)

Didn’t Pull:
-Chase (1/16, already have credit card though)