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Clive
Clive

I just used a referral link from a friend for a checking account. When you open up a checking account – a brokerage account automatically opens up also. I didn’t get a hard pull on my credit. I want the referral bonus but the referral bonus only applies to the brokerage account and you have to keep the money in there for 1 year.

Matt
Matt

DP – I opened a brokerage and investor checking account with all of my credit bureaus being frozen. I did already have an IRA with them but mine the less no hard pull.

Orin
Orin

It seems like some idiots are listening to customer service reps who don’t know what they are talking about, instead of the actual DP of people saying it is a soft pull.

A.S.
A.S.

I called and asked. Confirmed Charles Schwab still does a hard pull. Why is this doctorofcredit site saying they do not?

the_shek
the_shek

Speaking to an agent on the phone today they are definitely still doing HP on the checking account and the brokerage account will definitely need at least a SP maybe a HP too

Kamran P.
Kamran P.

I have just chatted with Charles Schwab through their website live chat. They said that this article is not produced by them and they are still doing hard pulls!!

Jim
Jim

I’m a checking account holder, tried to apply for the savings and they asked me to unfreeze both Chex and Equifax.

I called in to confirm if the Equifax would be just a soft pull and the rep said for deposit products, it would be a hard pull, so I declined for now.

DS
DS

Does anyone know if this applies to the Charles Schwab savings account as well? I asked online they said they may do a soft or hard…

JohnnyW
JohnnyW

Just contacted CS and was informed they still do HP for checking account not brokerage account any new data point from anyone who recently opened a checking account like by the end of August? At first he also mentioned “We may or may not do a HP” what is going on with CS seems one hand doesn’t know the other doing.

spencefromkingofqueens
spencefromkingofqueens

Just opened a high yield checking and brokerage online, no issues. Have all three credit bureaus frozen, and only open whenever necessary. I’ve done this for eight years now. Wasn’t asked to unfreeze.