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 Affinity Credit Union
- 1.5 Air Academy Credit Union
- 1.6 Alden Credit Union
- 1.7 All America Bank
- 1.8 Alliant
- 1.9 Ally
- 1.10 Amalgamated
- 1.11 American Eagle
- 1.12 Andigo Bank
- 1.13 Arizona Central Credit Union
- 1.14 Arvest
- 1.15 Astoria
- 1.16 Atlantic Credit Union
- 1.17 Avidia Bank
- 1.18 Axos Bank
- 1.19 Bancorp South
- 1.20 Bank of Maine
- 1.21 Bank Of The West
- 1.22 BankMutual
- 1.23 BB&T
- 1.24 BMO Harris
- 1.25 Bank of Colorado
- 1.26 Bank of Denver
- 1.27 Bank of the West
- 1.28 BankPurely
- 1.29 Blue Federal Credit Union
- 1.30 Blue Hills Bank
- 1.31 BrightStar Credit Union
- 1.32 Brio Direct
- 1.33 Byline Bank
- 1.34 Cambridge Savings Bank
- 1.35 Camden National Bank
- 1.36 Carver Federal Savings Bank
- 1.37 CBT Bank
- 1.38 CEFCU
- 1.39 Centennial Bank & Trust
- 1.40 Centier Bank
- 1.41 Central Bank of Oklahoma
- 1.42 Central Bank of the West
- 1.43 Century Bank
- 1.44 Chartway Federal Credit Union
- 1.45 Chemical
- 1.46 Chesapeake Bank
- 1.47 Christian Community Credit Union (CCCU)
- 1.48 CIBC
- 1.49 CIBM Bank
- 1.50 CIT Bank
- 1.51 Citi
- 1.52 City National Bank
- 1.53 Citywide
- 1.54 Clearview Credit Union
- 1.55 Clinton Savings Bank
- 1.56 Columbia Bank (NJ)
- 1.57 Columbia Bank (MD)
- 1.58 Comerica Bank
- 1.59 Commerce Bank
- 1.60 Costumers Bank
- 1.61 Country Bank For Savings
- 1.62 Credit Union Of Colorado
- 1.63 Customers Bank
- 1.64 Dedham Savings Bank
- 1.65 Digital Federal Credit Union (DCU)
- 1.66 Dollar Bank
- 1.67 Dollar Savings Direct
- 1.68 Eagle Federal Credit Union
- 1.69 East Boston Savings Bank
- 1.70 Eastern Bank
- 1.71 Eastman Savings Bank
- 1.72 Elements Financial
- 1.73 Elevations Credit Union
- 1.74 ENT Credit Union
- 1.75 Essex Bank
- 1.76 Evansville Teachers Federal Credit Union
- 1.77 Excite Credit Union
- 1.78 Fairwinds Credit Union
- 1.79 Fidelity Bank (PA)
- 1.80 Fidelity Bank (MA/Online)
- 1.81 Fidelity (Cash Management)
- 1.82 Financial Builders Credit Union
- 1.83 Fifth Third
- 1.84 First Advantage Bank
- 1.85 First American Bank
- 1.86 FirstBank
- 1.87 First Bank Financial Center
- 1.88 First Bank & Trust
- 1.89 First Citizens Bank
- 1.90 First Commerce Credit Union
- 1.91 First Federal Of Lakewood
- 1.92 First Financial Bank
- 1.93 First Financial Credit Union
- 1.94 First Horizon Bank
- 1.95 First Merchants Bank
- 1.96 First Midwest Bank
- 1.97 First National Bank
- 1.98 First National Bank of Long Island
- 1.99 First National Bank of PA
- 1.100 First National Bank & Trust (WI)
- 1.101 First National Bank of Waterloo
- 1.102 First Niagara
- 1.103 First Republic Bank
- 1.104 First Tech Federal Credit Union
- 1.105 First Tennessee
- 1.106 First Trade Union Bank
- 1.107 Fitsimons Credit Union
- 1.108 Five Star Bank
- 1.109 Flushing Bank
- 1.110 Florida Community Bank
- 1.111 Forcht Bank
- 1.112 Fulton Bank
- 1.113 Goldman Sachs Bank
- 1.114 Grow Financial Credit Union
- 1.115 GTE Financial Credit Union
- 1.116 Gulf Coast Bank & Trust
- 1.117 HarborOne Bank
- 1.118 HarborStone Credit Union
- 1.119 Healthcare Associates Credit Union
- 1.120 Home Savings Bank
- 1.121 HomeStreet Bank
- 1.122 Hometown Community Banks
- 1.123 HomeTrust Bank
- 1.124 Hudson Valley
- 1.125 Iberia Bank
- 1.126 Ideal Credit Union
- 1.127 Investors Bank
- 1.128 Justice Federal Credit Union
- 1.129 KeyBank
- 1.130 Keypoint
- 1.131 Lakeland Bank
- 1.132 Lake Shore Savings
- 1.133 LBS Financial Credit Union
- 1.134 Leader Bank
- 1.135 LegacyTexas Bank
- 1.136 Liberty Bank For Savings
- 1.137 Lyons National Bank
- 1.138 Macatawa
- 1.139 Marquette Bank
- 1.140 Memory Bank
- 1.141 MidFirst Bank (Monifi)
- 1.142 Midland States Bank
- 1.143 Mission Federal Credit Union
- 1.144 MoneyLion
- 1.145 Monona Bank
- 1.146 Mountain America Credit Union
- 1.147 My Banking Direct
- 1.148 Nationwide Bank
- 1.149 NBKC Bank
- 1.150 Nevada State Bank
- 1.151 Newtown Savings Bank
- 1.152 NWFCU
- 1.153 Northern Bank Direct
- 1.154 Northfield Bank
- 1.155 Northpointe Bank
- 1.156 Northstate Bank
- 1.157 Northwest Bank
- 1.158 NRLFCU
- 1.159 NuVision Federal Credit Union
- 1.160 OceanFirst
- 1.161 Old National Bank
- 1.162 Old Second Bank
- 1.163 OneWest Bank
- 1.164 Orange County Credit Union
- 1.165 Orion Federal Credit Union
- 1.166 Parkside Credit Union
- 1.167 Pathways Financial Credit Union
- 1.168 Penn Community Bank
- 1.169 Peoples Bank
- 1.170 People’s United Bank
- 1.171 Picatinny Federal Credit Union
- 1.172 Pinnacle Bank
- 1.173 Popular Community Bank
- 1.174 Porte Bank
- 1.175 Power Financial Credit Union
- 1.176 Premier Bank
- 1.177 Premier Member Credit Union
- 1.178 Presidential Bank
- 1.179 Provident Credit Union
- 1.180 PSECU
- 1.181 Quontic Bank
- 1.182 Quorum
- 1.183 RBFCU
- 1.184 Redstone Federal Credit Union
- 1.185 Republic Bank
- 1.186 Rockland Trust Bank
- 1.187 Salem Five Bank
- 1.188 Sandy Spring Bank
- 1.189 Santander
- 1.190 Scient Federal Credit Union
- 1.191 Seacoast National
- 1.192 Security Bank of Crawford
- 1.193 SENB Bank
- 1.194 Service Credit Union
- 1.195 SkyOne
- 1.196 SmartBank
- 1.197 Southern Bank & Trust
- 1.198 Southland Credit Union
- 1.199 S&T Bank
- 1.200 Stanford Credit Union
- 1.201 Star One
- 1.202 State Bank of India
- 1.203 State Department Federal Credit Union
- 1.204 State Farm Bank
- 1.205 Sterling National Bank
- 1.206 Stoneham Bank
- 1.207 South State Bank
- 1.208 Sun East Federal Credit Union
- 1.209 Sunflower Bank
- 1.210 Susser Bank
- 1.211 Synchrony
- 1.212 TDECU
- 1.213 Teachers Credit Union
- 1.214 Tech CU
- 1.215 The State Bank Group (IL)
- 1.216 Three Rivers Credit Union
- 1.217 Thrivent Federal Credit Union
- 1.218 TIAA
- 1.219 Town and Country Bank
- 1.220 Truist
- 1.221 Truliant
- 1.222 Trustco Bank
- 1.223 UFB Direct
- 1.224 Umass Five Federal Credit Union
- 1.225 UMB Bank
- 1.226 Unify
- 1.227 UnionBank
- 1.228 Union Bank & Trust
- 1.229 Unitus Community Credit Union
- 1.230 University First Federal Credit Union
- 1.231 Univest
- 1.232 U of I Community Credit Union
- 1.233 US Alliance
- 1.234 US Century
- 1.235 USE Credit Union
- 1.236 Utah First
- 1.237 Webster Bank
- 1.238 Wesbanco
- 1.239 Wescom
- 1.240 Westfield Bank
- 1.241 Wings Financial Credit Union
- 1.242 Wisconsin Bank & Trust
- 1.243 WyHy FCU
- 1.244 VantageWest
- 1.245 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 Armed Forces Bank
- 2.7 Aspiration
- 2.8 Bank of America
- 2.9 BankESB
- 2.10 Bank of Missouri
- 2.11 BBVA Compass
- 2.12 Central Minnesota Credit Union
- 2.13 Chase
- 2.14 Cheese (Coastal Community)
- 2.15 Chime
- 2.16 ConnexUs
- 2.17 Consumers Credit Union
- 2.18 Current (Metropolitan Commercial)
- 2.19 Delta Community Credit Union
- 2.20 Ellevest
- 2.21 Empower
- 2.22 Enzo
- 2.23 GoBank
- 2.24 Greensboro Municipal FCU
- 2.25 Hancock Whitney
- 2.26 Heritage Bank
- 2.27 Incredible Bank
- 2.28 Lili Bank
- 2.29 M1 Finance
- 2.30 Marcus Bank
- 2.31 Metropolitan Commercial Bank
- 2.32 Nearside
- 2.33 Motiv
- 2.34 Navy Federal Credit Union (NFCU)
- 2.35 NorthOne
- 2.36 Old Missouri
- 2.37 One Finance
- 2.38 Oxygen
- 2.39 PenFed
- 2.40 Regions Bank
- 2.41 Revolut
- 2.42 Simple Finance
- 2.43 SoFi Money
- 2.44 Spiral
- 2.45 Stash
- 2.46 TBK Bank
- 2.47 TD Bank
- 2.48 Texas Trust Credit Union
- 2.49 Tower Federal Credit Union
- 2.50 USAA
- 2.51 Varo Money
- 2.52 WinTrust
- 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
Affinity Credit Union
Air Academy Credit Union
Alden Credit Union
- Does pull: 1,
All America Bank
Alliant
Ally
Amalgamated
American Eagle
- Does pull: 1
Andigo Bank
Arizona Central 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 Maine
- Does pull: 1
Bank Of The West
BankMutual
- Does pull: 1
BB&T
BMO Harris
Bank of Colorado
- Does pull: 1
Bank of Denver
- Does pull: 1,
Bank of the West
BankPurely
Does pull: 1
Blue Federal Credit Union
Blue Hills Bank
BrightStar Credit Union
- Does pull: 1
Brio Direct
- 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,
- Doesn’t pull: 1 (savings)
City National Bank
Citywide
- Does pull: 1,
Clearview Credit Union
- 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,
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
Digital Federal Credit Union (DCU)
Dollar Bank
Dollar Savings Direct
- Does pull: 1,
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
Evansville Teachers Federal Credit Union
Excite Credit Union
- Does pull: 1,
Fairwinds Credit Union
Fidelity Bank (PA)
Fidelity Bank (MA/Online)
- Does pull: 1,
Fidelity (Cash Management)
- Does pull: 1,
Financial Builders Credit Union
- Does pull: 1,
Fifth Third
- Does pull: 1, 2, 3Â (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:Â 1
First Commerce Credit Union
- Does pull: 1,
First Federal Of Lakewood
- Does pull: 1,
First Financial Bank
- Does pull: 1,
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 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
Fitsimons Credit Union
- Does pull: 1,
Five Star Bank
- Does pull: 1
Flushing Bank
Florida Community Bank
- Does pull:Â 1
Forcht Bank
- Does pull: 1,
Fulton Bank
Goldman Sachs Bank
- 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,
HarborOne Bank
HarborStone Credit Union
- Does pull: 1,
Healthcare Associates Credit Union
- Does pull: 1,
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
Investors Bank
Justice Federal Credit Union
- 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:Â 1
Memory Bank
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
Nationwide Bank
NBKC Bank
- Does pull: 1,
Nevada State Bank
- Does pull: 1
Newtown Savings Bank
NWFCU
- Does pull: 1,
Northern Bank Direct
- Does pull: 1,
Northfield Bank
- Does pull: 1,
Northpointe Bank
Northstate Bank
- Does pull: 1,
Northwest Bank
NRLFCU
NuVision Federal Credit Union
- Does pull:Â 1
OceanFirst
- Does pull: 1
Old National Bank
Old Second Bank
- Does pull: 1,
OneWest Bank
Orange County Credit Union
- Does pull: 1,
Orion Federal Credit Union
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
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,
Provident Credit Union
PSECU
- Does pull: 1,
Quontic Bank
Quorum
RBFCU
- Does pull: 1
Redstone Federal Credit Union
Republic Bank
- Does pull: 1,
Rockland Trust Bank
Salem Five Bank
- Does pull:Â 1
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,
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
SkyOne
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
- Does pull: 1,
State Farm Bank
- Does pull: 1,
Sterling National Bank
Stoneham Bank
South State Bank
- Does pull: 1,
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,
Tech CU
The State Bank Group (IL)
- Does pull: 1,
Three Rivers Credit Union
- Does pull: 1,
Thrivent Federal Credit Union
TIAA
Town and Country Bank
- Does pull: 1
Truist
Truliant
- Does pull: 1,
Trustco Bank
- Does pull: 1,
UFB Direct
- Does pull: 1,
Umass Five Federal Credit Union
- Does pull: 1,
UMB Bank
- Does pull: 1,
Unify
UnionBank
- Does pull: 1,
Union Bank & Trust
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:Â 1 (via e-mail on 4/11/18)
VantageWest
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
- Doesn’t pull: 1,
Armed Forces Bank
Aspiration
Bank of America
- Did pull: 1,
- Doesn’t pull: 1, 2Â (existing savings account), 3, 4, 5, 6, 7, 8, 9,
- Doesn’t pull with existing account:Â 1, 2 (credit card), 3 (checking)
BankESB
- Doesn’t pull: 1,
Bank of Missouri
- Doesn’t pull: 1,
BBVA Compass
Central Minnesota Credit Union
- 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,
- Business doesn’t pull: 1, 2, 3, 4,
Cheese (Coastal Community)
- Doesn’t pull: 1,
Chime
ConnexUs
Consumers Credit Union
Current (Metropolitan Commercial)
Delta Community Credit Union
- Doesn’t pull: 1,
Ellevest
- Doesn’t pull: 1,
Empower
- Doesn’t pull: 1,
Enzo
GoBank
- Does pull: 1,
Greensboro Municipal FCU
- Doesn’t pull: 1
Hancock Whitney
Heritage Bank
- Doesn’t pull: 1,
Incredible Bank
- Doesn’t pull: 1,
Lili Bank
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
- Doesn’t pull: 1,
Simple Finance
- Doesn’t pull: 1,
SoFi Money
Spiral
- Doesn’t pull: 1,
Stash
- Doesn’t pull: 1,
TBK Bank
- Doesn’t pull: 1,
TD Bank
Texas Trust Credit Union
- Doesn’t pull: 1,
Tower Federal Credit Union
- Doesn’t pull: 1,
USAA
- Doesn’t pull: 1,
Varo Money
WinTrust
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
- Does pull: 1
Capital One 360
Charles Schwab
- Does pull: 1, 2, 3, 4, 5, 6 (for savings account on 2/8/22 via e-mail)
- Doesn’t pull for brokerage ONE investment account: 1
Citizens Bank
Discover
- Checking, does pull:Â 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 (savings), 11, 12, 13, 14, 15, 16, 17, 18, 19,
- Doesn’t pull: 1, 2Â (savings), 3 (savings), 4Â (savings), 5 (savings), 6 (aaa savings), 7 (savings), 8Â (savings), 9 (savings), 10, 11,
HM Bradley
HSBC
Huntington
Insight
- Doesn’t pull: 1
Lake Michigan CU
M&T Bank
PNC
- Does pull:Â 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,
SunTrust
TCF Bank
Unify Financial Credit Union
- Does pull: 1,
U.S. Bank
- Does pull: 1, 2, 3Â (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,
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,
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?
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.
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.
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)
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
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
CS pull:
Fifth Third Bank
DCU
AOD FCU
Hanscom FCU
Affinity CU
Service CU
Coastal FCU
No CS:
US Bank
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
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?
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
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.