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Oscar
Oscar

Pulled:
Fairwinds CU
Digital CU (DCU)
Key Bank (Laurel Road)
Ent CU (2020 Data Point)
U.S. Bank (2019 Data Point)

An interesting one. Transunion pulled on behalf of Goldman Sachs in 2020 for Apple Card.

I previously held Key Bank so not sure why they pulled again for Laurel Road. So will offer the data point Wells Fargo did not pull when I reopened after many years (much longer than I was away from Key Bank).

Chase did not pull.
Fidelity Cash Management did not pull.
Discover Savings did not pull in 2022 but I had a 5 year old checking account still open with them. Unsure if they pulled for that checking.

QQQ
QQQ

DCU did not pull my chex when I was only applying for membership savings.

But they did pull when I applied for a checking account once I was already a member.

It seems that DCU pulls only for checking.

Zindella
Zindella

Did pull:
Ally Bank (one on account opening, one exactly three months later to the day for no clear reason)
Axos Bank
CIT Bank
Affinity Federal Credit Union
Service Federal Credit Union

Did not pull:
Truist (in-branch)
TBK Bank
Bank of America (with existing credit card)
Hancock Whitney
U.S. Bank
Wells Fargo
PNC (in-branch)
Cheese
Nearside
Enzo
Spiral
Aspiration
NorthOne
Lili
Chase (in-branch, personal and business, 2 separate occasions)

GabiG
GabiG

Did pull:
First Third Bank
Truist Bank
Citizens Bank
Costumers Bank
Elements FCU
Rockland Trust
Abound FCU
Sterling National Bank

Did not pull:
Current
Chime
Sofi
Fidelity
Enzo

Sam Z
Sam Z

Did pull:
Digital Federal Credit Union (DCU)
Fifth Third Bank
Wintrust Bank
U.S. Bank(illinois)
Discover Bank

Did not pull:
Albert
Huntington
Current
Wells Fargo
Chase
Chime
Sofi
Varo
Fedlilty

Yuri
Yuri

CS pull:
Fifth Third Bank
DCU
AOD FCU
Hanscom FCU
Affinity CU
Service CU
Coastal FCU

No CS:
US Bank

blackdog228
blackdog228

CS ran on applications for (all in 2021):
Credit Human Federal C.U.
Citadel Federal C.U.
Great River Federal C.U.
Firstrust (did not see these 4 in your listings)
Thrivent Federal C.U.
Fulton
Christian Community C.U.
First National
Columbia Bank (NJ)
S&T
M&T
KeyBank
PSECU
Citizens
Alliant C.U.

No CS ran on (all in 2021)
Chime
PNC
Aspiration Spend and Save
Huntington
Wells Fargo
TD Bank

Tony
Tony

If we declined because of Chex report, will it be helpful if we open the bank account in branch? Will the in-branch application have less opportunity to pull the Chex report?

JP
JP

Nov 2021 – early Jan 2022

DID PULL
– Affinity Federal Credit Union
– Digital Federal Credit Union
– Axos

DID NOT PULL
– Varo Money
– Cheese (Coastal Community)
– Current (Metropolitan Commercial)
– Central Minnesota Credit Union

Gadget - Bank Bonus Geek

BMO Harris pulls Chex, even when just adding a savings account to an existing checking account (when not opened on the same day anyway). Lame sauce. Likely pulled EWS too, as they were able to verify the external funding account by acct/rtn.