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

Published on July 8th, 2016 | by William Charles

208

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

1st Source

  • Does pull: 1,

Alden Credit Union

  • Does pull: 1,

All America Bank

  • Does pull: 1, 2, 3,

Alliant

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 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, 2, 3,

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

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

City National Bank

  • Does pull: 1, 2,

Citywide

  • Does pull: 1,

Columbia Bank (NJ)

  • Does pull: 1

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,

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 PA

  • Does pull: 1,

First Niagara

First Tech Federal Credit Union

  • Does pull: 1, 2, 3, 4,

First Tennessee

First Trade Union Bank

  • Does pull: 1

Fitsimons Credit Union

  • Does pull: 1,

Five Star Bank

  • Does pull: 1

Florida Community Bank

  • Does pull: 1

Forcht Bank

  • Does pull: 1,

Fulton Bank

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, 2,

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

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

Mission Federal Credit Union

  • Does pull: 1

Mountain America Credit Union

  • Does pull: 1

My Banking Direct

  • Does pull: 1, 2, 3,

Nationwide Bank

NBKC Bank

  • Does pull: 1,

Nevada State Bank

  • Does pull: 1

Newtown Savings Bank

  • Does pull: 1, 2

Northern Bank Direct

  • Does pull: 1,

Northpointe Bank

Northwest Bank

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,

Pinnacle Bank

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

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,

Santander

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)

Town and Country Bank

  • Does pull: 1

Umass Five Federal Credit Union

  • 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, 4,

Wisconsin Bank & Trust

  • Does pull: 1

WyHy FCU

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

VantageWest

  • 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

Consumers Credit Union

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

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

TD Bank

USAA

  • Doesn’t pull: 1,

Varo Money

  • 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

  • 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,
  • 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

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

PNC

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,

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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M&T bank does pull your ChexSystems

TCF doesn’t do a pull.

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

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.

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.

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

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)

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?

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.

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

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.

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.

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.

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 »

“[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.

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.

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

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.

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

Sunflower bank is a chexsystems inquiry.

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.

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)

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