Posted by William Charles on July 8, 2016
Bank Account Bonuses

Published on July 8th, 2016 | by William Charles

152

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

Banks & Credit Unions That Do Pull Your ChexSystems

 

Alliant

Ally

  • Does pull: 1, 2, 3

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

Astoria

  • Does pull: 1

Avidia Bank

  • Does pull: 1

Bancorp South

  • Does pull: 1, 2, 3

Bank of America

  • Does pull: 1, 2

Bank of Maine

  • Does pull: 1

Bank Of The West

  • Does pull: 1, 2,

BankMutual

  • Does pull: 1

BB&T

  • Does pull: 1

BMO Harris

Bank of Colorado

  • Does pull: 1

Bank of the West

BankPurely

Does pull: 1

Blue Federal Credit Union

Blue Hills Bank

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

CEFCU

  • Does pull: 1

Centennial Bank & Trust

  • Does pull: 1

Central Bank of Oklahoma

  • Does pull: 1

Central Bank of the West

  • Does pull: 1

Chartway Federal Credit Union

  • Does pull: 1, 2, 3

Chemical

  • Does pull: 1

Christian Community Credit Union (CCCU)

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

CIT Bank

  • Does pull: 1

Citi

City National Bank

  • Does pull: 1

Country Bank For Savings

  • Does pull: 1

Credit Union Of Colorado

  • Does pull: 1

Dedham Savings Bank

  • 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

Elements Financial

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

Elevations Credit Union

  • Does pull: 1

Evansville Teachers Federal Credit Union

  • Does pull: 1

Fidelity Bank

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

Fifth Third

  • Does pull: 1, 2, 3 (combined into a single pull for checking & savings on same day), 4

FirstBank

  • Does pull: 1, 2

First Bank Financial Center

  • Does pull: 1

First Citizens 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 Niagara

  • Does pull: 1, 2, 3

First Tech Federal Credit Union

  • Does pull: 1, 2, 3,

First Tennessee

First Trade Union Bank

  • Does pull: 1

Five Star Bank

  • Does pull: 1

Florida Community Bank

  • Does pull: 1

Fulton Bank

  • Does pull: 1, 2,

Goldman Sachs Bank

  • Does pull: 1

HarborOne Bank

  • Does pull: 1, 2, 3

Home Savings Bank

  • Does pull: 1

HomeStreet Bank

  • Does pull: 1

Hometown Community Banks

  • Does pull: 1

Hudson Valley

  • Does pull: 1

Iberia Bank

  • Does pull: 1

Ideal Credit Union

  • Does pull: 1, 2

Justice Federal Credit Union

  • 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

KeyBank

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

Marquette Bank

  • Does pull: 1

Memory Bank

  • Does pull: 1

Mission Federal Credit Union

  • Does pull: 1

Mountain America Credit Union

  • Does pull: 1

My Banking Direct

  • Does pull: 1, 2

Nationwide Bank

  • Does pull: 1, 2, 3,

Nevada State Bank

  • Does pull: 1

Newtown Savings Bank

  • Does pull: 1, 2

Northpointe Bank

Northwest Bank

  • Does pull: 1, 2, 3,

NRLFCU

  • Does pull: 1, 2

NuVision Federal Credit Union

  • Does pull: 1

OceanFirst

  • Does pull: 1

Old National Bank

  • Does pull: 1

OneWest Bank

  • Does pull: 1

Parkside Credit Union

  • Does pull: 1

Penn Community Bank

  • Does pull: 1

Pinnacle Bank

Popular Community Bank

  • Does pull: 1, 2, 3,

Power Financial Credit Union

  • Does pull: 1

Provident Credit Union

  • Does pull: 1

Quorum

  • Does pull: 1, 2, 3

RBFCU

  • Does pull: 1

Rockland Trust Bank

  • Does pull: 1

Salem Five Bank

  • Does pull: 1

Sandy Spring Bank

  • Does pull: 1, 2,

Santander

Scient Federal Credit Union

  • Does pull: 1

Seacoast National

  • Does pull: 1

S&T Bank

  • Does pull: 1

Stanford Credit Union

  • Does pull: 1

Star One

  • 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

Synchrony

  • Does pull: 1

Tech CU

  • Does pull: 1, 2, 3, 4

Thrivent Federal Credit Union

  • Does pull: 1

TIAA

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

Town and Country Bank

  • Does pull: 1

Unify

  • Does pull: 1

Union Bank & Trust

  • Does pull: 1, 2

Univest

  • Does pull: 1

US Century

  • Does pull: 1

Wesbanco

  • Does pull: 1

Westfield Bank

  • Does pull: 1, 2, 3

Wisconsin Bank & Trust

  • Does pull: 1

Banks & Credit Unions That Don’t Pull Your ChexSystems

ACNB

  • Doesn’t pull: 1

Bank of America

  • Doesn’t pull: 1, 2 (existing savings account), 3
  • Doesn’t pull with existing account: 1, 2 (credit card)

Chase

Consumers Credit Union

  • Doesn’t pull: 1, 2,
  • Does pull: 1

Greensboro Municipal FCU

  • Doesn’t pull: 1

Hancock Whitney

  • Doesn’t pull: 1

Old Missouri

  • Doesn’t pull: 1

Regions Bank

TD Bank

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,
  • 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,
  • Doesn’t pull: 1, 2,

Discover

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

HSBC

Huntington

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

Insight

  • Doesn’t pull: 1

Lake Michigan CU

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

M&T Bank

PNC

SunTrust

  • Does pull: 1
  • Doesn’t pull: 1, 2

TCF Bank

  • Does pull: 1
  • Doesn’t pull: 1

U.S. Bank

  • Does pull: 1, 2, 3 (also reports that they have signs up saying they specifically do use ChexSystems)
  • Doesn’t pull: 1, 2, 3, 4, 5, 6, 7, 8, 9

Wells Fargo

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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152 Comments on "What Banks & Credit Unions Do/Don’t Pull ChexSystems?"

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TE
TE

M&T bank does pull your ChexSystems

edrossi
edrossi

TCF doesn’t do a pull.

Skyriver
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
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.

MB
MB

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

weedibix
weedibix

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

Jeff H
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)

Dan
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
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
anthonyjh21

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

John
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.

Jeff H
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.

J.
J.

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

Jeff H
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.

CGID
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
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.

Jeff H
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.

JP
JP

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

Jeff S.
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
LOL

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

Logan
Logan

Sunflower bank is a chexsystems inquiry.

Eric
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
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)

kd
kd

US bank DOES pull your chexsystems record. I opened my account today at the branch for the $150 promo (the online opening gives me trouble) , The banker told me they do use chexsystems. She even has a disclosure sign on her desk that says: “We use Chexsystems blah blah blah…”

Tbradnc
Tbradnc

Stanford Credit Union – confirmed Chex pull

Skor
Skor

This is an awesome post! DoC, your blog is getting better by the day.. and for me it is already the best out there! Thanks for your efforts!

Saurabh
Saurabh

Guys need a bank account so badly I messed up so badly . I live in Pa. If you can let me know where can I get an account

Haad
Haad

Try BBVA Compass.

GJ
GJ

No ChexSystems Pulls from:

TD Bank
HSBC
Chase
Bank of America (current customer w/ existing checking account)

ChexSystems Pulls from:

First Niagara Bank (now KeyBank)
Five Star Bank
M&T Bank
Discover
Citibank
Citizens Bank
PNC
Santander
Popular Community Bank
Northwest Bank
Northpointe Bank

Tim
Tim

If an account is opened at a bank that does not use chexsystems, does that bank still show up as an opened account on chexsystems?

marty
marty

Does golden one use chex system?

GRR
GRR

Ordered ChexSystems report and the following were reported as pulling a report

Citi 2/xx/2015
Citi 2/xx/2015
Sun East FCU 7/xx/2015
PNC 12/xx/2015
KeyBank FKA First Niagara 12/xx/2015
M&T Bank 12/xx/2015
First Tennessee 01/xx/2016
BMO Harris 02/xx/2016
Penn Community Bank 04/xx/2016
Santander 05/xx/2016
Citi 06/xx/2016
S&T Bank 10/xx/2016 [Denied due to “out of market area / 50 miles]
TIAA-CREF 11/xx/2016
Citi 01/xx/2016

No ChexSystems pull. May have used soft credit pull against one of the 3 major bureaus

HSBC
TD Bank
Bank Of America [but existing CC customer, YMMV]
Chase [Opened in person, 2 forms of ID presented]
Huntington
US Bank
Discover

Amber
Amber

I didn’t see it on your list, but Regions doesn’t pull Chex. In fact, in my area they are listed in the BankOn program for the underbanked and say they use an “internal process” to open accounts. I know their bonuses are currently dead but I’m sure someone would want to know this the next time their bonuses roll around.

Samuel
Samuel

I just received my ChexSystems report and here are the inquiries listed:

Citibank 5/11/14 & 7/27/15
BMO Harris 12/5/15
Santander 2/22/16
Amalgamated 6/3/16
TIAA 8/28/16

Not listed were:
US Bank July 2015
Associated Oct 2015
HSBC Sep 2016
PNC Bank Dec 2016

Matthew
Matthew

Received my report last month, included:

11/2016 – BMO
11/2016 – HSBC
09/2016 – TIAA
06/2016 – CITI
03/2016 – CHEMICAL, formerly Talmer (missed bonus too, grr)
09/2015 – CITI
12/2014 – DISCOVER

Missing banks were Associated, Chase Business, and PNC.

Dave
Dave

Got my report. Santander pulled. Wells Fargo did not.

NN
NN

from my report received last week, list of banks that pull:

Santander (denied for unable to verify)
Cap1 360
Bancorpsouth
HSBC
Tiaa-cref
Central Bank of Oklahoma
Citi (also denied for unable to verify)
Northpointe
Discover (for the credit card, not banking)

Do not pull:

US Bank
Regions
Wells Fargo

I’m in LA by the way

Rusty
Rusty

Banks that pulled my Chex report:

– Bancorp Bank (applied for Simple)
– Synchrony Bank (Savings)
—–> Pulled twice a couple of weeks apart
– Santander
– Capital One 360
– Quorum

Didn’t Pull:
– Chase
– Wells Fargo
– Discover (Savings)
– Insight Card
– Barclays (Savings)

Shatecia C Harmon
Shatecia C Harmon

Sound Credit Union does Chex system for checking accounts. I don’t think they do it for saving accounts

Don L

Recently pulled Chex Systems report – noticed that no business checking accounts opened had any inquiries.

Don L

I update the spreadsheet (DoC Bank Account Quick Reference Table) [and as self-appointed proof reader in chief :)]. Here are some potential corrections:

The following banks are listed twice under two different categories:
Citizens, TCF, M&T.

I think the evidence around KeyBank pulling is very strong (maybe they didn’t in the past), but in addition to the DPs on this page, multiple reports on the CS Sensitive page of denials. Unless that one DP found a non-pull method/workaround.

Quorum – I can confirm Rusty’s comment above – Quorum pulls. Looking at it now – I think Rusty’s comment has a few missing DPs.

Thanks again for maintaining this list (all the lists), huge time commitment, but they are so valuable.

MMa
MMa

Not sure if this is an exception, but my recently ran Chex report showed Bank of America doing an inquiry. I’d applied for a biz checking acct (thinking they wouldn’t pull Chex). Again, maybe this was an aberration, but might be worth further research, as this page has BoA as a “does not pull”.

Other interesting tidbit, Blue FCU pulled it w/o my asking several weeks after I’d been approved. Seems like they may be checking in intermittently on (new?) customers.

Lincoln A
Lincoln A

I currently bank with Regions and have for six months, they check EWS not Chex. I did verify this with their staff prior to applying. I am happy overall, has anyone else been able to confirm that Huntington does not pull Chex?

Eduardo Baez
Eduardo Baez

Based on my my last two ChexSystems reports:
Westfield Bank, Leader Bank, TIAA-CREF, Banco Popular North America, CitiBank, Northpointe Bank and US Century Bank pulled ChexSystems.
HSBC pulled Early Warning in September 2016 and ChexSystems in November 2014 for two different checking accounts.
Discover Bank pulled ChexSystems in August 2014 for a checking account. There is no ChexSystems pulls for the two savings accounts I opened in January 2014 and October 2015.
CitiBank pulled both Early Warning and ChexSystems for a checking account I opened in March 2016.
Regions, Wells Fargo and Chase do not pull ChexSystems, they pull Early Warning.

Eduardo Baez
Eduardo Baez

Goldman Sachs Bank also pulled ChexSystems in August 2014.

Eduardo Baez
Eduardo Baez

Amboy Direct did not pull ChexSystems nor Early Warning for savings account opened in October 2016. Old Missouri Bank did not pull ChexSystems for a Kasasa Cash Checking account opened in late February 2017. Since last Early Warning report is from early February 2017, I don’t know if Old Missouri Bank pulled Early Warning.

Eduardo Baez
Eduardo Baez

TD Bank did not pull ChexSystems nor Early Warning for a checking account opened in July 2016.

RJ
RJ

My ChexSystems report dated March 28, 2017
Nothing negative on report

US Bank 02/07/2015
Consumers Credit Union 05/18/2016
Citibank 07/30/2016
Citibank 07/31/2016
Santander 02/15/2017 (denied, unknown)
Bank Of The West 02/25/2017
Santander 03/11/2017 (denied, unknown)
Evansville 03/18/2017 (same day denied twice, unknown)

Wells Fargo did not pull
Chase (in branch) did not pull
Capital One 360 March 10, 2017 also not on report

"John"
"John"

My ChexSystems report dated April 4, 2017 (Only adding 2016 & 2017 for reference)
Citibank 2/25/17
Centennial Bank & Trust 12/15/16
Bank of the West 7/22/16
Pinnacle Bank 3/22/16
Citibank 3/21/16
Santander 3/10/16
First Tennessee 1/14/16

Hooray, did not list:
Chase (in branch) 2/24/17
Wells Fargo 2/21/17
HSBC 10/5/16

Bob
Bob

Chex report 4/6/17
01/17 Alliant
02/17 M&T x3 (2 accts same day combined for 1, 3rd was separate day)
02/17 Santander x2 (1 was online deny, 1 for in branch open)
03/17 Webster
03/17 BMO
04/17 HarborOne
04/17 Flushing

Not pulled:
01/17 Chase
01/17 TD
02/17 Wells Fargo
02/17 Citizens

I think DP for M&T combining pulls is really important, at least to me! Basically means I’m doubling up on future apps

PD
PD

Just got my Chex.

Pulled:
Old National Bank
TIAA (Money Market)
Fifth Third (combined pulls for same-day savings & checking)
Citi
Christian Community Credit Union (separate pulls for initial checking account and later CD)
HSBC

Not Pulled:
Chase
Regions
Wells Fargo
KeyBank (this is contrary to the DP above)
Huntington (neither personal nor business)
Discover (Savings–corroborates above)

Win
Win

Newtown Savings Bank in Newtown, CT pulls a ChexSystems report for checking account applications.

Gadget
Gadget

Does Pull Chex:

2017:
M&T (1 or 2 times per account, opened 1-2 weeks apart)
First Bank (Strasburg VA)
Westfield Bank (OH)
Citibank
First Merchants Bank (IN)
Quorum FCU
BB&T (Branch Banking & Trust) [additional pull for savings opened later]
2016:
New York Community Bank (aka My Banking Direct)
Union Bank & Trust (VA)
Sandy Spring Bank (VA)
Mountain America Credit Union
BMO Harris [additional pull for savings opened later]
Associated Bank (WI)
Wisconsin Bank & Trust
First Tennessee Bank
TIAA (Direct) FSB
First National Bank of PA [did not do additional pull for new checking opened in 2017]
Amalgamated Bank [did not do additional pull for savings opened later]
Santander Bank
2015:
First Horizon (Was First Tennessee Bank, in 2015)
Discover Bank
Chartway FCU

Does not pull Chex:

2017:
Wells Fargo
Schwab Brokerage “One” Investment acct (with check writing & debit card, but not FDIC)
Capital One MMA (already had checking though)
2016:
Suntrust (this is contrary to old DP on another site)
HSBC (this is contrary to one DP above)
Chase
TD Bank
US Bank
Bank of America (only have savings acct though)

Raphael
Raphael

Just got my Chex report.

Pulled:
06/15 Astoria Bank
09/15 Citibank
10/15 PNC
04/16 OceanFirst Bank
08/16 Alliant Credit Union
01/17 Santander

Not Pulled:
03/15 Chase
12/15 KeyBank (phone app)
06/16 Lake Michigan Credit Union
07/16 TD Bank
09/16 HSBC (in-person app)
02/17 PNC
02/17 Wells Fargo

Astoria, OceanFirst, and LMCU would be new to the list.

However, the most interesting data points are probably the two conflicting ones for PNC, so I’ll provide some more detail there. The checking account I opened in Oct. 2015 — which did result in a Chex pull — was my first-ever account with them. I closed that account in Sep. 2016 and had no active account relationship of any kind with PNC between then and Feb. 2017, when I opened a new checking account with them. My Chex report wasn’t pulled this time — instead, Early Warning Systems was pulled. I’m not sure what led PNC to pull a different agency for me the second time, but I should mention that I moved from NY to NJ during the period when the first account was open.

Gadget
Gadget

S.O.’s accounts, all 2017 except as noted:

Verified Chex Pulls –

M&T (1 for each, except recent “online channel” failures)
BMO Harris
Santander

Verified EWS pulls (via myidcare.com) –

US BANK (2016)
WELLS FARGO (2016) (DP: Wells Fargo did NOT re-pull for new account in 2017)
HSBC BANK USA (2016)
SANTANDER HOLDINGS USA FORMERLY SOVEREIGN
TD BANK
PNC BANK NA (First ever “denied” application – so I can assume that PNC is EWS inquiry sensitive – maybe a limit of less than 5 per within a year, or less than 2 per quarter?)

Santander was the only bank of hers that pulled both Chex & EWS.

Neesie
Neesie

Any info on Space Coast Credit Union in FL? I called a couple of years ago, and was told they pull Chex. Well, I applied a couple of months ago, and was denied because they couldn’t access my credit reports(frozen). I was told they would do a hard pull on Experian. I have not reapplied as of yet, wondering about any other experiences with them.

SkydiverEMT
SkydiverEMT

DPs from my recent Chex report, all from 2017 unless otherwise noted:

DOES Pull:
First Bank Financial Center personal checking
First Tennessee personal checking
BMO Harris personal checking
5/3 Bank business checking
PNC Virtual Wallet personal checking (2016)
Lake Michigan Credit Union Max Checking & savings (2015)

Does NOT pull:
Greensboro Municipal Federal Credit Union personal checking
Wells Fargo personal checking
Regions personal checking
Chase personal checking & savings (2016)
Chase business checking (2016)

1st Bank FC and BMO were done using a WI address, all others are NC.

Chuck

Thanks! Added the DPs.

Max
Max

Does pull:

HarborOne Bank
East Boston Savings Bank
Blue Hills Bank
Elements Financial Credit Union x 2 (note even if you have one account with them they pulled Chex when I opened another, first Savings then Checking)
Bank of the West (Chex Sensitive)
Stoneham Bank
New York Community Bank (aka My Banking Direct)
Thrivent Federal Credit Union (… I don’t remember this one tbh)
Capital One
Eastern Bank
Key Bank
TIAA
Alliant
Tech CU
Discover Bank
Santander
BMO Harris

Did not pull:
Chase Biz, Chase personal, Wells Fargo, US Bank, TD Bank, BoA

Derek
Derek

Hey, which Credit Unions does not pull Chex and EWS? Both Chex and EWS reports are a mess. I live in the Lehigh Valley part of PA.

Chex:
I have two or three accounts that are unpaid from TD Bank.
A few accounts that all monies are paid.
A lot of inquiries.

EWS:
One account from Wells Fargo. Another Wells Fargo account could be reporting to EWS.

Derek
Derek

The moderation on this site are ignorant fucking assholes.

Chuck

If you are having an issue with moderation on the site, feel free to reach out to us at chuck@doctorofcredit.com or will@doctorofcredit.com.

Max
Max

Dude this blog is exactly one billion times better than any subreddit for instance.

Matt K.
Matt K.

Received my wife and I’s ChexSystems reports in the mail on 6/20…

Inquiries that showed up:
……..
Santander (8/2015)
Citibank checking
BMO Harris checking
Northpointe checking
Ideal CU checking and 2 savings
NRL FCU checking
Central Bank of the West
HSBC checking
Westfield Bank checking
Christian Community CU (1 for checking, 1 for CD)
M&T (if ACH funding – 2 per acct. If I clicked the box for check in mail – 1 per acct. )
Elements Financial CU
First Tennessee Bank (1/2016)
TIAA checking
Bank of West checking

Did not receive an inquiry:
…….
Associated Bank checking (still denied though)
BofA checking (had an open CC)
Discover savings (had an open CC)
Citigold savings (back in the up to $100k CC days. Opened 3 for each of us and no inquiries. Only hit on the checking. Had open CCs)
TIAA savings
US Bank Checking (had open CC)

noturbizniss
noturbizniss

Received my and my wife’s chex reports this week.
Wife:
On Chex
Ally (2014)
Santander (2015)
Citi and BMO Harris (2 weeks ago) – strange thing is they showed up once each on consumer initiated and 2x each under non consumer initiated, although i believe those do not get reported to other banks
Elements Financial

Did not show up:
PNC Bank

Me:
First Tech CU (2016)
Santander (2015)
Citi (2 weeks ago)
BMO Harris (2 weeks ago)
Elements Financial

Did not show up:
PNC Bank

I also applied to M&T and got approved, wife did not. I don’t remember if they were on the reports. will check back and update

noturbizniss
noturbizniss

M&T pulled for me for first app but not for second that looks to have been auto denied.

Also aged pulled 2 years ago

noturbizniss
noturbizniss

You, and wells Fargo from december 15 did not pull, BOfA and TD in early 16 did not pull either.

noturbizniss
noturbizniss

That was supposed to say agfed

Gadget
Gadget

Fifth Third did pull Chex. Regions did not. Both pulled EWS. (June 2017)

John
John

Navy Federal CU pulled EWS
Orange County, CA 7/2017
In need of a CU that doesn’t pull EWS.

Gadget
Gadget

I would look at the Zelle website, and if you see a bank or credit union listed, it’s likely an EWS bank/CU. That’s because EWS owns Zelle, and I would bet they are pushing integration to the banks. Although not currently the case, I predict all of those banks will be using EWS soon, either in combination with Chex or exclusively.

Also see: https://www.doctorofcredit.com/banks-credit-unions-dodont-pull-early-warning-services/
Assuming you want a “local” CU, I would use the NCUA website to search. There also is a competitor blog that lists CU’s the “anyone” can join. Usually requires a fee of some kind to join a club/group. Be aware, many CU’s do hard pulls of one of the big three CRA’s though.

Jeff H
Jeff H

CHEXSYSTEMS report dated July 30, 2017 Pulled at my fax request.(May include items from ,my remarks a year ago when my last Chex was pulled at my request)

Bank of the West – Applied on line in Nebraska. Chex says pulled by San Ramon, CA office 07/12/2017 CC funded and DDs via Fidelity Investments – account not open long enough to be paid bonus

NorthWest Bank – Applied on line in Omaha, Nebraska – on line App not handled well – Actual bank sign up terminated by mutual agreement controlled by me, but Chex pull 07/05/2017 by Spencer, Iowa office In other words, this bank did NOT decline me.

BMO Harris Chicago Illinois – applied on line Chex says pulled 06/04/2017

CitiBank applied on line Chex says pulled ny Milpitas, CA office 10/25/2016
Bonus ($400) was successful account now closed

Central Bank of the Midwest (DoC lists as Bank of the West) Applied on line – declined by bank for not living in trade area – Chex says pulled 08/16/2016

Santander Bank Chex says pulled by Dorchester, Mass office 07/2016
Bonuses ($150 and $100 for CC) paid – Account now closed

Pinnacle Bank Chex says pulled at Gretna, Nebraska office (part of Omaha, Nebraska area) Chex says pulled 07/07/2016
Bonus ($100) paid. – Bank shut me out for Walmart MoneyGram MOs =$6000.00.

NorthPointe Bank Chex says pulled Grand Rapids, Michigan office 03/21/2016
Bonus paid DoC promo – account now closed

HSBC Bank applied on line Chex says pulled Buffalo, NY office 11/01/2016
Bonus ($350) paid – Account remains open – HSBC did not grant approval until late December 2016

===================
BankAmerica does NOT show up on my ChexSystems report dated June 28,2016.nor July 30, 2017
I obtained BAC savings account about Apr 2, 2016.

Nationwide Bank DOES PULL ChexSYSTEMS.
Source: ChexSystems report pulled June 28,2016.
Date of the check by Nationwide Bank 07/25/2014 –
NOT ON JULY 30, 2017 CHEX Report

Collin
Collin

@ William Charles,

William, update this post. Citizens bank does hard pull on chexsystems( checking and savings accounts).

First National Bank of Omaha does Hard Pull on Chexsystems and their subsidiary bank that is part of First National Bank, which is FNBO Direct( online banking version for people who live outside the geographic locations, but want to join First National Bank of Omaha).)

Leonel
Leonel

Capital One 360 – Opened account and it appeared on my Chex Report. Opened Online for the $400 offer. Got the Bonus.

Gadget
Gadget

Got a current Chex copy today. DP for July/Aug 2017:
KeyBank did pull chex. (denied)
Fulton bank pulled Chex (approved)
M&T pulled – (approved, bonus fail QJ)

Citizens Supermarket (PA), Associated Bank (Supermarket), Chase, Huntington, all DID NOT pull Chex. All pulled EWS instead, except Associated Bank.

Associated Bank: I had an account last year and closed it over 6 months prior to applying for this account. They pulled Chex for my new account last year. So, I would assume they don’t pull again for “additional accounts”, even though my account was closed for awhile. Or, it could be because it was in supermarket? Banker error?

Arnold
Arnold

DPs-Lots of them! I just got a free Chex copy today after being denied by two banks on same day, and these are the conclusions:

Santander-Pulled Chex, don’t know if inquiry sensitive since I opened this with almost no inquiries
M&T-Pulled Chex, approved with 6 inquiries
Northwest-Pulled Chex, don’t know if sensitive
Key-Pulled Chex, opened with not many inquiries
Cap One 360-Didn’t pull
PNC-Didn’t pull, approved for workplace banking with ~15 inquiries
Wells Fargo-Didn’t pull
Chase-Didn’t pull, approved wit ~15
Wesbanco-Pulled chex, approved with around 10, banker told me 10 is the threshold for approval
Huntington-Didn’t pull
Fulton-Pulled, approved with ~12
Citizen’s Bank-Didn’t pull
First National Bank of Pennsylvania-Applied online with around 5 inquiries in April and was denied, was approved in branch in June with >10, pulled chex both times
Peoples Bank-Pulled chex, denied (my first)
Union Community Bank-pulled chex (actually the banker printed out a mini chex report for me) and flatly denied
TD Bank-Didn’t pull, used passport to verify, approved with 18 inquiries yesterday

Michael
Michael

Got my Chex copy today. DPs:

Did show:
First Tennessee – 04/08/2017
M&T – 03/23/2017 (listed on here twice for the same account)

Did not show:
US Bank – 07/07/2017 (Applied through “Because You Earned It” program)
Elevations Federal Credit Union – 08/11/2017 (Received a targeted bonus offer as an incoming University of Colorado student.)

kirk
kirk

appeared on my chexsystems report:
Capital One 360 Checking
Bank of the West Any Deposit Checking
Citibank Checking
Alliant Checking and Savings (2016)

did not appear:
US Bank Gold Checking
Chase Total Checking
Chase Savings
BMO Harris Checking – app declined; geographic reason probably
Discover Regular Savings
Discover AAA Savings
Wells Fargo Everyday Checking
Fidelity Cash Mgmt Account (2016)

mostly opened within the last 2 months (Aug/Sep 2017).
total 9 active new accounts and shooting for a total of 2k bonus. thanks DoC!

payyoutuesday
payyoutuesday

My Chexsystems report shows the following for late 2015 to date:

Banks that do appear:
Capital One 360
Charles Schwab
Discover
IberiaBank
LegacyTexas Bank
M&T
Pinnacle Bank Tx
PNC

Did not appear:
HSBC
U.S. Bank
Wells Fargo

Inquired two times per application:
IberiaBank (not sure what happened here)
M&T (each time I funded an account with an ACH transfer, there was a second inquiry)

Did not pull when I had an existing account (added savings account later):
Discover
IberiaBank

Thanks, DoC!

Joe Mondratz
Joe Mondratz

Applied for TD Bank checking online.

Apparently does not pull Chex. Appear to use Equifax online verification to confirm identity.

Responded to TD’s $300. bonus offer.

This site has been very helpful! Keep up the good work.

Steph J
Steph J

Based off of the information detailed on your list, I applied online for a checking account with Huntington Bank with no trouble.

Thanks

titiex
titiex

DP
DO PULL:
Santander (denied twice, same month) 03/2017
Banco Popular North America 02/2016
Sterling National Bank 12/2015
Santander 05/2015 (denied 3 times, same month)
Citibank 12/2014

DO NOT PULL:
Hancock bank, checking, 10/2017
Chase, savings & checking, in branch 07/2017
Discover Savings (2015)

Ryan
Ryan

Consumers CU (IL) DOES pull Chex, but they didn’t have a problem with 10 INQ (2 double-pulls from the same bank)

Evansville Teachers FCU denied w/7-8 in past year

John
John

Huntington does pull now

Sam
Sam

RBFCU pulls from Chexsystems and denied me for 6 new accounts this year.

meh
meh

Do pull: U.S. Bank (Sep 2017), KeyBank (Oct 2017).

qmc
qmc

FYI, Bank of the West is listed twice

Avi
Avi

All from 2017:

Does pull:
M&T (twice per account)
Sandy Spring (twice for one account)
CIT
Ally (only a single inquiry upon initial checking/savings opening, not when subsequent CDs were opened)
Peoples Bank
BB&T (twice for one account)
Fulton Bank

Does NOT pull:
HSBC
Wells Fargo
Suntrust
Discover Savings
Chase
Republic Bank of Chicago (Insight prepaid card)
PNC
TD Bank
BBVA

Avi
Avi

I should add that PNC was opened in-branch, which might explain why they didn’t pull my Chex even though DPs from others suggest otherwise.

Swoup
Swoup

What is the difference between opening an account in a branch vs. online? Are they more likely to give you an account that they would routinely deny online? Don’t they still run chex/ews?

Gadget
Gadget

There are VARIABLES.
– SOME banks are more likely to approve in branch. I have seen a few banks deny applications online, and request you go in branch (PNC, US Bank, Union Bank & Trust), and if you ask why it was denied, it usually has something to do with verifying identity, or inquiry sensitivity (too many recent accounts). However, MOST banks tend to be about the same in their criteria online or in branch, which is logical IMO. Best to read others comments for the bank you looking at signing up for.

– MOST people prefer to sign-up online, to avoid the desk time w/ a banker and the time-suck. And, CC funding doesn’t go through as a purchase in branch, if available.

– USUALLY Chex and/or EWS is done regardless of in branch or online, however, I have seen a few odd mentions by ppl for banks pulling a different report than what I personally experienced. Maybe some bankers or back-office fraud prevention workers like to go above and beyond? Maybe regional differences within a bank corp? Maybe some bank branches that got taken over may retain some of their old processing methods?

– SOMETIMES in-branch account openings avoids residency restrictions or “footprint” concerns. Just say you are visiting family in the area often and want a local bank. Online openings TEND to be very rigid on state or even driving distance to nearest branch to your home address. DEPENDS on the bank. Credit Unions TEND to be very rigid.

Gadget
Gadget

Oh, but if you go in branch, you get a pen, a stylish folder to save all the paperwork, and maybe even some candy or a calendar for your trash can! Hashtag awesome swag!

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