What Banks & Credit Unions Do/Don’t Pull Early Warning Services?

Early warning services is a similar specialty nationwide consumer reporting agency to ChexSystems. It’s mainly used in determining if you should be approved or denied for deposit accounts, one thing a financial institution might look at is the number of recent inquiries you have on EWS report. We thought it would be useful that do and don’t pull your Early Warning Services report. We have a similar list for ChexSystems. Please contribute additional datapoints in the comments so we can continue to improve this resource page, also let us know if you’ve been denied for an account due to too many EWS inquiries.

Ally

Does pull: 1

Associated Bank

Doesn’t pull: 1

AZ Federal Credit Union

Does pull: 1,

Bank of America

Does pull: 1, 2, 3, 4,
Didn’t pull for savings: 1

Bank of the West

Doesn’t pull: 1,

BB&T

Does pull: 1, 2, 3,

BBVA

Does pull: 1, 2, 3, 4,

Branch Banking and Trust

Does pull: 1,

Broadway Bank

Does pull: 1,

Capital One

Does pull: 1, 2, 3,

Capital One 360

Does pull: 1

CFG Community Bank

Does pull: 1,

Charles Schwab

Does pull: 1,

Chase

Does pull: 1 (me), 2, 3, 4, 5, 6, 7,

Chime

Doesn’t pull: 1,

Citibank

Does pull: 1, 2, 3,

Citizens Bank (RI)

Does pull: 1

City National Bank WV

Doesn’t pull: 1

Discover

Does pull: 1
Doesn’t pull: 1,

DCU

Doesn’t pull: 1,

Elements Financial

Doesn’t pull: 1,

Fidelity

Does pull: 1, 2, 3,

Fifth Third Bank

Does pull: 1

Fulton Bank

Doesn’t pull: 1

Goldman Sachs

Does pull: 1,

Heritage Bank

Does pull: 1,

HSBC

Does pull: 1, 2, 3 (savings), 4 (checking)

Huntington Bank

Does pull: 1

KeyBank

Doesn’t pull: 1
Does pull: 1, 2,

Nadex

Doesn’t pull: 1,

Navy Federal

Does pull: 1

NorthOne

Doesn’t pull: 1,

PNC

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

Regions Bank

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

Royal Credit Union

Doesn’t pull: 1,

Santander

Does pull: 1, 2, 3,

Stash

Does pull: 1,

Suntrust

Does pull: 1, 2, 3 (personal), 4 (business)

TCF Bank

Does pull: 1,

TD Bank

Does pull: 1, 2

TruStone Financial Credit Union

Doesn’t pull: 1,

Unify

Doesn’t pull: 1,

Union Bank

Does pull: 1

USAA

Does pull: 1

U.S Bank

Does pull: 1, 2, 3, 4,

Varo

Doesn’t pull: 1,

Wells Fargo

Does pull: 1 (me), 2, 3, 4, 5, 6,
Business: 1,

Name*

Website

181 Comments

newest

oldest most voted

CB (@guest_1820901)

March 27, 2024 19:40

#1820901

I pulled EWS after being denied by Chase. Inquiries are listed below:

JP Morgan Chase – 3/11/24
Fifth Third Bank – 2/15/24
Upgrade Inc, via GIACT Services – 2/3/24
Branch Banking and Trust – 12/27/23
BB&T 12/24/23

Truist hit me twice because of course they did, and I now realize Upgrade does not pull, but they did take a while to verify an external account I tried to link so that’s where that came from.

Of note, TD Bank was also recently opened and has reported status and transaction activity but no inquiry is listed for them.

And Discover Bank reports status but no transactions, but I have had this account for over 3 years.

Eric 🔗 (@guest_1815397)

March 17, 2024 15:10

#1815397

Delta CCU pulls EWS.

Eric 🔗 (@guest_1815395)

March 17, 2024 15:08

#1815395

Presidential pulls EWS.

Eric 🔗 (@guest_1815391)

March 17, 2024 15:06

#1815391

CapEd pulls EWS.

Seeing this is kind of infuriating as I forgot about them declining me 3 years ago.

Eric 🔗 (@guest_1815388)

March 17, 2024 15:04

#1815388

Nokomis pulls EWS.

Eric 🔗 (@guest_1815386)

March 17, 2024 15:03

#1815386

TBK pulls EWS.

Eric 🔗 (@guest_1815383)

March 17, 2024 15:01

#1815383

Trustco pulls EWS.

Eric 🔗 (@guest_1815382)

#1815382

Oceanfirst pulls EWS.

Eric 🔗 (@guest_1815378)

March 17, 2024 14:59

#1815378

Arizona FCU pulls EWS.

killdozer (@guest_1803853)

February 27, 2024 14:20

#1803853

Denied for Bank of America business account due to EWS