Many of my readers have been opening multiple bank promotions over the years to take advantage of the higher interest rates or sign-up bonuses. Whenever opening a bank checking or savings account, you can get either get a hard pull or a soft pull depending on the bank.
It’s important to find out if the bank will perform a hard credit check since a hard inquiry can negatively affect your credit score and may not be worth opening the checking or savings account. Too many hard inquiries on one’s credit report can be resulted in higher loan or insurance rates.
Based on the reported experiences of the many consumers online from sites such as FicoForums, Slickdeals, CreditBoards, Flyertalk, etc, we’ll put together the most extensive list of Banks(alphabetically) on the type of inquiry they will perform whenever opening a checking or savings account.
Read more in-depth explanation for each bank bonus such as direct deposit(full list of what count), account type, expiration date, hard or soft pull, credit card funding, geographical restrictions, additional bonus requirements, and early closure fee.
Table of Contents
- 1 What Is A Hard Inquiry (Hard Pull)?
- 2 What Is A Soft Inquiry (Soft Pull)?
- 3 Top Bank Accounts Soft Pull or Hard Pull
- 3.1 1st Constitution Bank
- 3.2 1st Mariner Bank
- 3.3 1st Source Bank
- 3.4 1st United Credit Union
- 3.5 3Rivers Federal Credit Union
- 3.6 A+ Credit Union
- 3.7 Achieva
- 3.8 ACNB Bank
- 3.9 Addition Financial
- 3.10 Advantis Credit Union
- 3.11 Adventure Credit Union
- 3.12 Alden Credit Union
- 3.13 All America Bank
- 3.14 Alliant Credit Union
- 3.15 Ally Bank
- 3.16 Altra Federal Credit Union
- 3.17 Amalgamated Bank
- 3.18 Amboy Direct
- 3.19 American Eagle Financial Credit Union
- 3.20 American Express Bluebird
- 3.21 American Express Serve
- 3.22 American First Credit Union
- 3.23 American Heritage Federal Credit Union
- 3.24 American Pride Bank
- 3.25 American Airlines Credit Union
- 3.26 America's Credit Union
- 3.27 Ameris Bank
- 3.28 Amplify Credit Union
- 3.29 Anchor Bank
- 3.30 Andigo
- 3.31 Andrews Federal Credit Union
- 3.32 APG Federal Credit Union
- 3.33 Apple Bank
- 3.34 Arizona Bank & Trust
- 3.35 Arizona Central Credit Union
- 3.36 Arizona State Credit Union
- 3.37 Arundrel Federal Savings Bank
- 3.38 Arvest Bank
- 3.39 Ascend Federal Credit Union
- 3.40 Ashland Credit Union
- 3.41 Aspiration
- 3.42 Aspire Credit Union
- 3.43 Associated Bank
- 3.44 Astoria Bank
- 3.45 Avidia Bank
- 3.46 Ballston Spa National Bank
- 3.47 BancorpSouth
- 3.48 Bank7
- 3.49 Bank & Trust
- 3.50 Bank Direct
- 3.51 Bank ESB
- 3.52 Bank Mutual
- 3.53 BankOrion
- 3.54 BankPurely
- 3.55 Bank of America
- 3.56 Bank of Canton
- 3.57 Bank of Colorado
- 3.58 Bank of Elk River
- 3.59 Bank of Internet USA
- 3.60 Bank of Maine
- 3.61 Bank of Oklahoma
- 3.62 Bank of Texas
- 3.63 Bank of the West
- 3.64 BankWell
- 3.65 Bar Harbor Bank & Trust
- 3.66 BB&T Bank
- 3.67 BBVA Bank
- 3.68 BECU
- 3.69 Belco Community Credit Union
- 3.70 Bell Bank
- 3.71 Bellco Credit Union
- 3.72 Benchmark Federal Credit Union
- 3.73 BethPage Federal Credit Union
- 3.74 Blue Federal Credit Union
- 3.75 Blue Hills Bank
- 3.76 BMI Federal Credit Union
- 3.77 BMO Harris Bank
- 3.78 Bryn Mawr Trust
- 3.79 BOK Financial Bank
- 3.80 Bridgeview Bank
- 3.81 Brightpeak Financial
- 3.82 BrightStar Credit Union
- 3.83 Byline Bank
- 3.84 California Coast Credit Union
- 3.85 Callaway Bank
- 3.86 Cambridge Savings Bank
- 3.87 Camden National Bank
- 3.88 Campus USA Credit Union
- 3.89 Capital Bank
- 3.90 Capital One 360
- 3.91 CBT Bank
- 3.92 CCCFBank
- 3.93 CEFCU
- 3.94 Central Florida Educators Credit Union
- 3.95 Central Illinois Bank
- 3.96 Century Bank
- 3.97 Centennial Bank & Trust
- 3.98 Central Bank
- 3.99 Charles Schwab
- 3.100 Chartway FCU
- 3.101 Charles Schwab
- 3.102 Chase
- 3.103 Christian Community Credit Union
- 3.104 CIBC Bank
- 3.105 Cincinnati Federal
- 3.106 Cinfed Credit Union
- 3.107 Citadel CU
- 3.108 CIT Bank
- 3.109 Citibank
- 3.110 Citizens Bank
- 3.111 Clearview Federal Credit Union
- 3.112 Clinton Savings Bank
- 3.113 CME Federal Credit Union
- 3.114 Columbia Bank
- 3.115 Columbia Credit Union
- 3.116 Comerica Bank
- 3.117 Commerce Bank
- 3.118 Communication Federal Credit Union
- 3.119 CommunityAmerica Credit Union
- 3.120 Community Financial Services Bank
- 3.121 Community First Credit Union
- 3.122 ConnexUs Credit Union
- 3.123 Consumers Credit Union
- 3.124 Consolidated Community Credit Union
- 3.125 Cornerstone Bank
- 3.126 Cornerstone Financial Credit Union
- 3.127 Country Bank for Savings
- 3.128 Crane Credit Union
- 3.129 Credit Union of Denver
- 3.130 Credit Union of Texas
- 3.131 Credit Union One
- 3.132 Customers Bank
- 3.133 DCU (Digital Federal Credit Union)
- 3.134 Dearborn Savings Bank
- 3.135 Dedham Savings Bank
- 3.136 Delta Community Credit Union
- 3.137 Denizen
- 3.138 Denmark State Bank
- 3.139 Destinations Credit Union
- 3.140 Dime Savings Bank
- 3.141 Discover Bank
- 3.142 Dollar Bank
- 3.143 Dubuque Bank & Trust
- 3.144 East Boston Savings Bank
- 3.145 Eastern Bank
- 3.146 Easthampton Bank
- 3.147 Elements Financial
- 3.148 Elevations CU
- 3.149 ESL Federal Credit Union
- 3.150 Evansville Teachers FCU
- 3.151 FCB South County Bank
- 3.152 FedFinancial Federal Credit Union
- 3.153 Fidelity Bank
- 3.154 Fifth Third Bank
- 3.155 First Advantage Bank
- 3.156 FirstBank
- 3.157 First Bank And Trust
- 3.158 First Bank Financial Centre
- 3.159 First Bank Virginia
- 3.160 First Bank Missouri
- 3.161 First Citizens Bank
- 3.162 First Community Bank
- 3.163 First Federal Bank
- 3.164 First Financial Credit Union
- 3.165 First Internet Bank
- 3.166 First Mark Credit Union
- 3.167 First Merit Bank
- 3.168 First Merchants Bank
- 3.169 First Midwest Bank
- 3.170 First National Bank
- 3.171 First National Bank Utah
- 3.172 First Niagara Bank
- 3.173 First Tech Federal Credit Union
- 3.174 First Tennessee Bank
- 3.175 First Trade Union Bank
- 3.176 First United Bank
- 3.177 Five Star Bank
- 3.178 Flagstar Bank
- 3.179 Florida Community Bank
- 3.180 Flushing Bank
- 3.181 Forcht Bank
- 3.182 Frost Bank
- 3.183 F&M Bank
- 3.184 Focus Bank
- 3.185 Fulton Bank
- 3.186 GTE Financial
- 3.187 Great Lakes Credit Union
- 3.188 Great Southern Bank
- 3.189 Greater Nevada CU
- 3.190 Green House by Wells Fargo
- 3.191 Hancock Whitney Bank
- 3.192 HarborOne Bank
- 3.193 Heritage Credit Union
- 3.194 HeritageWest Credit Union
- 3.195 Hiway Federal Credit Union
- 3.196 HomeStreet Bank
- 3.197 HomeTrust Bank
- 3.198 Honor Credit Union
- 3.199 HSBC Checking
- 3.200 Huntington Bank
- 3.201 IBERIABANK
- 3.202 IBM Southeast FECU
- 3.203 ICBC USA
- 3.204 Ideal Credit Union
- 3.205 Illinois Bank & Trust
- 3.206 Incredible Bank
- 3.207 Insight Prepaid & Savings
- 3.208 Industrial and Commercial Bank of China (USA)
- 3.209 Integrity Bank
- 3.210 Investors Bank
- 3.211 Iowa State Bank
- 3.212 Johnson Bank
- 3.213 Justice Federal Credit Union
- 3.214 JSC Federal Credit Union
- 3.215 KeyBank
- 3.216 Kinecta Federal Credit Union
- 3.217 Lake Michigan Credit Union
- 3.218 Landmark Credit Union
- 3.219 Lake Shore Savings
- 3.220 Level One Bank
- 3.221 Legacy Texas
- 3.222 LGE Community Credit Union
- 3.223 Liberty Bank for Savings
- 3.224 Liberty Bank
- 3.225 Logix Credit Union
- 3.226 Los Angeles FCU
- 3.227 Lyons National Bank
- 3.228 Macatawa Bank
- 3.229 Main Street Bank
- 3.230 Mainstreet Credit Union
- 3.231 Mango Money
- 3.232 Marquette Bank
- 3.233 MB Financial Bank
- 3.234 McGraw Hill FCU
- 3.235 Melrose Bank
- 3.236 MemoryBank
- 3.237 Midfirst Bank
- 3.238 Mission Federal Credit Union
- 3.239 Middlesex Savings Bank
- 3.240 My Banking Direct
- 3.241 M&T Bank
- 3.242 Monroe Bank & Trust
- 3.243 Montgomery County EFCU
- 3.244 Mountain America CU
- 3.245 MountainOne Bank
- 3.246 MUFG Union Bank
- 3.247 MVB Bank
- 3.248 NASA Federal Credit Union
- 3.249 NA PA Credit Union
- 3.250 NBC Oklahoma
- 3.251 Nationwide Bank
- 3.252 Navy FCU
- 3.253 Neighborhood Credit Union
- 3.254 Nevada State Bank
- 3.255 Newtown Savings Bank
- 3.256 New Mexico Bank & Trust
- 3.257 New York Community Bank
- 3.258 Northern Bank Direct
- 3.259 Northfield Bank
- 3.260 Northpointe Bank
- 3.261 North Shore Bank
- 3.262 Northwest Bank
- 3.263 Northwest Savings Bank
- 3.264 Nutmeg Financial Credit Union
- 3.265 NuVision Federal Credit Union
- 3.266 NVE Bank
- 3.267 OceanFirst Bank
- 3.268 Old Missouri Bank
- 3.269 Old National Bank
- 3.270 Old Second Bank
- 3.271 OneWest Bank
- 3.272 Option 1 CU
- 3.273 Orange County CU
- 3.274 Orlando FCU
- 3.275 OUR Credit Union
- 3.276 Parkside Credit Union
- 3.277 Patelco
- 3.278 PeoplesBank
- 3.279 People's United Bank
- 3.280 Pinnacle Bank
- 3.281 PNC Bank
- 3.282 Popular Community Bank
- 3.283 Power Financial Credit Union
- 3.284 Preferred Credit Union
- 3.285 Premier America Credit Union
- 3.286 Premier Members Credit Union
- 3.287 Provident Bank
- 3.288 Provident Credit Union
- 3.289 Public Service Credit Union
- 3.290 Radius Bank
- 3.291 Regions Bank
- 3.292 Reliant Community Credit Union
- 3.293 Republic Bank
- 3.294 Ridgewood Savings Bank
- 3.295 Rivermark Community Credit Union
- 3.296 Royal Credit Union
- 3.297 Salal Credit Union
- 3.298 Salem Five Bank
- 3.299 Sallie Mae
- 3.300 San Mateo Credit Union
- 3.301 Sandy Spring Bank
- 3.302 Santander Bank
- 3.303 Savings Bank of Danbury
- 3.304 Seacoast Bank
- 3.305 Selco Community CU
- 3.306 Signature Bank of Georgia
- 3.307 Signature Federal Credit Union
- 3.308 Simple Bank
- 3.309 Solvay Bank
- 3.310 Sound Credit Union
- 3.311 South State Bank
- 3.312 Spire Credit Union
- 3.313 Security Service FCU
- 3.314 S&T Bank
- 3.315 Stanford FCU
- 3.316 Star One CU
- 3.317 State Bank of India
- 3.318 State Employees Credit Union
- 3.319 Sterling National Bank
- 3.320 Stoneham Bank
- 3.321 Suffolk FCU
- 3.322 Sun East FCU
- 3.323 SunTrust Bank
- 3.324 Synovus Bank
- 3.325 Talmer Bank and Trust
- 3.326 TCF Bank
- 3.327 TD Bank
- 3.328 Technology Credit Union
- 3.329 Telhio Credit Union
- 3.330 Texas Dow Employees CU
- 3.331 TIAA Direct
- 3.332 Tobyhanna Federal Credit Union
- 3.333 Truity Credit Union
- 3.334 TruMark FCU
- 3.335 Trustco Bank
- 3.336 TruStone Financial
- 3.337 TruWest Credit Union
- 3.338 UFB Direct
- 3.339 Univest Bank & Trust
- 3.340 Unify Financial Credit Union
- 3.341 Union Bank
- 3.342 Union Community Bank
- 3.343 Union Plus
- 3.344 Unitus Community Credit Union
- 3.345 Unity Bank
- 3.346 USAlliance Financial
- 3.347 U.S Bank
- 3.348 Valley Bank & Trust
- 3.349 VantageWest Credit Union
- 3.350 Valley National Bank
- 3.351 Vibrant Credit Union
- 3.352 Washington Savings Bank
- 3.353 Webster Bank
- 3.354 Wells Fargo
- 3.355 WesBanco
- 3.356 Westfield Bank
- 3.357 Wisconsin Bank & Trust
- 3.358 Xenith Bank
What Is A Hard Inquiry (Hard Pull)?
-
- These inquiries DO affect your credit score.
- A hard pull is an inquiry that occurs when a lender checks your credit report to make a lending decision.
- Hard pulls can slightly lower your credit score and will typically stay on your report for two years.
What Is A Soft Inquiry (Soft Pull)?
-
- These inquiries DO NOT affect your credit score.
- A soft pull is an inquiry that occurs when a person or company checks your credit report as a background check.
- It’s like when you check your credit score or when you get approved for a loan from a mortgage lender.
- Soft pulls may occur without your permission but does not affect your credit score in any way.
Important: Please help us update our list with your own personal experience by commenting below. If you recently open a bank account, you can check your credit report to see if there is a hard pull or soft pull and from what credit reporting agency such as Equifax, Experian, or TransUnion.
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Top Bank Accounts Soft Pull or Hard Pull
Disclaimer: We make no promise the information below is 100% correct since banks can change their way of checking credit often. This data has been extracted from the experiences of other consumers online from trusted forums and websites when opening accounts for bank promotions.
| Bank/ Credit Union | Hard Pull or Soft Pull? |
|---|---|
1st Constitution Bank | Soft Pull |
1st Mariner Bank | Soft Pull |
1st Source Bank | Soft Pull |
1st United Credit Union | Soft Pull |
3Rivers Federal Credit Union | Soft Pull |
A+ Credit Union | Hard Pull |
Achieva | Hard Pull |
ACNB Bank | Soft Pull |
Addition Financial | Soft Pull |
Advantis Credit Union | Hard Pull |
Adventure Credit Union | Hard Pull |
Alden Credit Union | Soft Pull |
All America Bank | Soft Pull |
Alliant Credit Union | Soft Pull |
Ally Bank | Mixed |
Altra Federal Credit Union | Hard Pull |
Amalgamated Bank | Soft Pull |
Amboy Direct | Soft Pull |
American Eagle Financial Credit Union | Soft Pull |
American Express Bluebird | Soft Pull |
American Express Serve | Soft Pull |
American First Credit Union | Hard Pull |
American Heritage Federal Credit Union | Hard Pull |
American Pride Bank | Soft Pull |
American Airlines Credit Union | Hard Pull |
America's Credit Union | Hard Pull |
Ameris Bank | Soft Pull |
Amplify Credit Union | Soft Pull |
Anchor Bank | Soft Pull |
Andigo | Soft Pull |
Andrews Federal Credit Union | Mixed |
APG Federal Credit Union | Hard Pull |
Apple Bank | Soft Pull |
Arizona Bank & Trust | Soft Pull |
Arizona Central Credit Union | Hard Pull |
Arizona State Credit Union | Soft Pull |
Arundrel Federal Savings Bank | Soft Pull |
Arvest Bank | Soft Pull |
Ascend Federal Credit Union | Hard Pull |
Ashland Credit Union | Soft Pull |
Aspiration | Soft Pull |
Aspire Credit Union | Soft Pull |
Associated Bank | Soft Pull |
Astoria Bank | Soft Pull |
Avidia Bank | Soft Pull |
Ballston Spa National Bank | Soft Pull |
BancorpSouth | Soft Pull |
Bank7 | Soft Pull |
Bank & Trust | Soft Pull |
Bank Direct | Soft Pull |
Bank ESB | Soft Pull |
Bank Mutual | Soft Pull |
BankOrion | Soft Pull |
BankPurely | Soft Pull |
Bank of America | Soft Pull |
Bank of Canton | Soft Pull |
Bank of Colorado | Soft Pull |
Bank of Elk River | Soft Pull |
Bank of Internet USA | Soft Pull |
Bank of Maine | Soft Pull |
Bank of Oklahoma | Soft Pull |
Bank of Texas | Soft Pull |
Bank of the West | Soft Pull |
BankWell | Soft Pull |
Bar Harbor Bank & Trust | Soft Pull |
BB&T Bank | Mixed |
BBVA Bank | Soft Pull |
BECU | Soft Pull |
Belco Community Credit Union | Soft Pull |
Bell Bank | Soft Pull |
Bellco Credit Union | Hard Pull |
Benchmark Federal Credit Union | Hard Pull |
BethPage Federal Credit Union | Soft Pull |
Blue Federal Credit Union | Mixed |
Blue Hills Bank | Soft Pull |
BMI Federal Credit Union | Mixed |
BMO Harris Bank | Soft Pull |
Bryn Mawr Trust | Soft Pull |
BOK Financial Bank | Soft Pull |
Bridgeview Bank | Soft Pull |
Brightpeak Financial | Soft Pull |
BrightStar Credit Union | Soft Pull |
Byline Bank | Soft Pull |
California Coast Credit Union | Hard Pull |
Callaway Bank | Soft Pull |
Cambridge Savings Bank | Soft Pull |
Camden National Bank | Soft Pull |
Campus USA Credit Union | Hard Pull |
Capital Bank | Soft pull |
Capital One 360 | Soft pull |
CBT Bank | Soft Pull |
CCCFBank | Soft Pull |
CEFCU | Mixed |
Central Florida Educators Credit Union | Soft Pull |
Central Illinois Bank | Soft Pull |
Century Bank | Soft Pull |
Centennial Bank & Trust | Soft Pull |
Central Bank | Soft Pull |
Charles Schwab | Hard Pull |
Chartway FCU | Soft Pull |
Charles Schwab | Soft Pull |
Chase | Soft Pull |
Christian Community Credit Union | Mixed |
CIBC Bank | Soft Pull |
Cincinnati Federal | Soft Pull |
Cinfed Credit Union | Hard Pull |
Citadel CU | Soft Pull |
CIT Bank | Soft Pull |
Citibank | Soft Pull |
Citizens Bank | Mixed |
Clearview Federal Credit Union | Soft Pull |
Clinton Savings Bank | Soft Pull |
CME Federal Credit Union | Hard Pull |
Columbia Bank | Soft Pull |
Columbia Credit Union | Mixed |
Comerica Bank | Soft Pull |
Commerce Bank | Soft Pull |
Communication Federal Credit Union | Mixed |
CommunityAmerica Credit Union | Hard Pull |
Community Financial Services Bank | Soft Pull |
Community First Credit Union | Soft Pull |
ConnexUs Credit Union | Hard Pull |
Consumers Credit Union | Hard Pull |
Consolidated Community Credit Union | Hard Pull |
Cornerstone Bank | Mixed |
Cornerstone Financial Credit Union | Hard Pull |
Country Bank for Savings | Soft Pull |
Crane Credit Union | Soft Pull |
Credit Union of Denver | Hard Pull |
Credit Union of Texas | Hard Pull |
Credit Union One | Soft Pull |
Customers Bank | Soft Pull |
DCU (Digital Federal Credit Union) | Hard Pull |
Dearborn Savings Bank | Soft Pull |
Dedham Savings Bank | Soft Pull |
Delta Community Credit Union | Hard Pull |
Denizen | Soft Pull |
Denmark State Bank | Hard Pull |
Destinations Credit Union | Soft Pull |
Dime Savings Bank | Hard Pull |
Discover Bank | Soft Pull |
Dollar Bank | Soft Pull |
Dubuque Bank & Trust | Soft Pull |
East Boston Savings Bank | Soft Pull |
Eastern Bank | Soft Pull |
Easthampton Bank | Soft Pull |
Eastman Credit Union | Soft Pull |
Elements Financial | Soft Pull |
Elevations CU | Soft Pull |
ESL Federal Credit Union | Soft Pull |
Evansville Teachers FCU | Soft Pull |
FCB South County Bank | Soft Pull |
FedFinancial Federal Credit Union | Hard Pull |
Fidelity Bank | Soft Pull |
Fifth Third Bank | Soft Pull |
First Advantage Bank | Hard Pull |
FirstBank | Soft Pull |
First Bank And Trust | Soft Pull |
First Bank Financial Centre | Soft Pull |
First Bank Virginia | Soft Pull |
First Bank Missouri | Soft Pull |
First Citizens Bank | Hard Pull |
First Community Bank | Soft Pull |
First Federal Bank | Soft Pull |
First Financial Credit Union | Hard Pull |
First Internet Bank | Soft Pull |
First Mark Credit Union | Hard Pull |
First Merit Bank | Soft Pull |
First Merchants Bank | Soft Pull |
First Midwest Bank | Soft Pull |
First National Bank | Soft Pull |
First National Bank Utah | Soft Pull |
First Niagara Bank | Soft Pull |
First Tech Federal Credit Union | Hard Pull |
First Tennessee Bank | Soft Pull |
First Trade Union Bank | Soft Pull |
First United Bank | Soft Pull |
Five Star Bank | Soft Pull |
Flagstar Bank | Soft Pull |
Florida Community Bank | Soft Pull |
Flushing Bank | Soft Pull |
Forcht Bank | Soft Pull |
Frost Bank | Soft Pull |
F&M Bank | Soft Pull |
Focus Bank | Soft Pull |
Fulton Bank | Soft Pull |
GTE Financial | Hard Pull |
Great Lakes Credit Union | Hard Pull |
Great Southern Bank | Soft Pull |
Greater Nevada CU | Soft Pull |
Green House by Wells Fargo | Soft Pull |
Hancock Whitney Bank | Soft Pull |
HarborOne Bank | Soft Pull |
Heritage Credit Union | Soft Pull |
HeritageWest Credit Union | Soft Pull |
Hiway Federal Credit Union | Soft Pull |
HomeStreet Bank | Soft Pull |
HomeTrust Bank | Soft Pull |
Honor Credit Union | Hard Pull |
HSBC Checking | Soft Pull |
Huntington Bank | Soft Pull |
IBERIABANK | Soft Pull |
IBM Southeast FECU | Hard Pull |
ICBC USA | Soft Pull |
Ideal Credit Union | Soft Pull |
Illinois Bank & Trust | Soft Pull |
Incredible Bank | Soft Pull |
Insight Prepaid & Savings | Soft Pull |
Industrial and Commercial Bank of China (USA) | Soft Pull |
Integrity Bank | Soft Pull |
Investors Bank | Soft Pull |
Iowa State Bank | Hard Pull |
Johnson Bank | Soft Pull |
Justice Federal Credit Union | Hard Pull |
JSC Federal Credit Union | Soft Pull |
KeyBank | Soft Pull |
Kinecta Federal Credit Union | Soft Pull |
Lake Michigan Credit Union | Hard Pull |
Landmark Credit Union | Hard Pull |
Lake Shore Savings | Soft Pull |
Level One Bank | Soft Pull |
Legacy Texas | Soft Pull |
LGE Community Credit Union | Hard Pull |
Liberty Bank for Savings | Soft Pull |
Liberty Bank | Soft Pull |
Logix Credit Union | Hard Pull |
Los Angeles FCU | Hard Pull |
Lyons National Bank | Soft Pull |
Macatawa Bank | Soft Pull |
Main Street Bank | Soft Pull |
Mainstreet Credit Union | Hard Pull |
Mango Money | Soft Pull |
Marquette Bank | Mixed |
MB Financial Bank | Soft Pull |
McGraw Hill FCU | Soft Pull |
Melrose Bank | Soft Pull |
MemoryBank | Soft Pull |
Midfirst Bank | Soft Pull |
Mission Federal Credit Union | Hard Pull |
Middlesex Savings Bank | Soft Pull |
My Banking Direct | Soft Pull |
M&T Bank | Soft Pull |
Monroe Bank & Trust | Soft Pull |
Montgomery County EFCU | Hard Pull |
Mountain America CU | Hard Pull |
MountainOne Bank | Soft Pull |
MUFG Union Bank | Mixed |
MVB Bank | Soft Pull |
NASA Federal Credit Union | Hard Pull |
NA PA Credit Union | Soft Pull |
NBC Oklahoma | Soft Pull |
Nationwide Bank | Soft Pull |
| Hard Pull | |
Neighborhood Credit Union | Hard Pull |
Nevada State Bank | Soft Pull |
Newtown Savings Bank | Soft Pull |
New Mexico Bank & Trust | Soft Pull |
New York Community Bank | Soft Pull |
Northern Bank Direct | Soft Pull |
Northfield Bank | Hard Pull |
Northpointe Bank | Soft Pull |
North Shore Bank | Soft Pull |
Northwest Bank | Soft Pull |
Northwest Savings Bank | Soft Pull |
Nutmeg Financial Credit Union | Hard Pull |
NuVision Federal Credit Union | Soft Pull |
NVE Bank | Soft Pull |
OceanFirst Bank | Soft Pull |
Old Missouri Bank | Soft Pull |
Old National Bank | Soft Pull |
Old Second Bank | Soft Pull |
OneWest Bank | Soft Pull |
Option 1 CU | Hard Pull |
Orange County CU | Soft Pull |
Orlando FCU | Soft Pull |
OUR Credit Union | Hard Pull |
Parkside Credit Union | Soft Pull |
Patelco | Soft Pull |
PeoplesBank | Soft Pull |
People's United Bank | Soft Pull |
Pinnacle Bank | Soft Pull |
PNC Bank | Soft Pull |
Popular Community Bank | Soft Pull |
Power Financial Credit Union | Hard Pull |
Preferred Credit Union | Hard Pull |
Premier America Credit Union | Soft Pull |
Premier Members Credit Union | Soft Pull |
Provident Bank | Soft Pull |
Provident Credit Union | Hard Pull |
Public Service Credit Union | Hard Pull |
Radius Bank | Soft Pull |
Regions Bank | Soft Pull |
Reliant Community Credit Union | Soft Pull |
Republic Bank | Hard Pull |
Ridgewood Savings Bank | Soft Pull |
Rivermark Community Credit Union | Hard Pull |
Royal Credit Union | Soft Pull |
Salal Credit Union | Soft Pull |
Salem Five Bank | Hard Pull |
Sallie Mae | Soft Pull |
San Mateo Credit Union | Soft Pull |
Sandy Spring Bank | Soft Pull |
Santander Bank | Soft Pull |
Savings Bank of Danbury | Soft Pull |
Seacoast Bank | Soft Pull |
Selco Community CU | Hard Pull |
Signature Bank of Georgia | Soft Pull |
Signature Federal Credit Union | Soft Pull |
Simple Bank | Soft Pull |
Solvay Bank | Soft Pull |
Sound Credit Union | Soft Pull |
South State Bank | Soft Pull |
Spire Credit Union | Hard Pull |
Security Service FCU | Soft Pull |
S&T Bank | Soft Pull |
Stanford FCU | Soft Pull |
Star One CU | Soft Pull |
State Bank of India | Soft Pull |
State Employees Credit Union | Soft Pull |
Sterling National Bank | Soft Pull |
Stoneham Bank | Soft Pull |
Suffolk FCU | Hard Pull |
Sun East FCU | Soft Pull |
SunTrust Bank | Soft Pull |
Synovus Bank | Soft Pull |
Talmer Bank and Trust | Soft Pull |
TCF Bank | Soft Pull |
TD Bank | Soft Pull |
Technology Credit Union | Soft Pull |
Telhio Credit Union | Hard Pull |
Texas Dow Employees CU | Hard Pull |
TIAA Direct | Soft Pull |
Tobyhanna Federal Credit Union | Hard Pull |
Truity Credit Union | Hard Pull |
TruMark FCU | Hard Pull |
Trustco Bank | Soft Pull |
TruStone Financial | Hard Pull |
TruWest Credit Union | Hard Pull |
UFB Direct | Soft Pull |
Univest Bank & Trust | Soft Pull |
Unify Financial Credit Union | Soft Pull |
Union Bank | Soft Pull |
Union Community Bank | Soft Pull |
Union Plus | Soft Pull |
Unitus Community Credit Union | Soft Pull |
Unity Bank | Soft Pull |
USAlliance Financial | Soft Pull |
U.S Bank | Soft Pull |
Valley Bank & Trust | Soft Pull |
VantageWest Credit Union | Soft Pull |
Valley National Bank | Soft Pull |
Vibrant Credit Union | Hard Pull |
Washington Savings Bank | Soft Pull |
Webster Bank | Soft Pull |
Wells Fargo | Soft Pull |
WesBanco | Soft Pull |
Westfield Bank | Soft Pull |
Wisconsin Bank & Trust | Soft Pull |
Xenith Bank | Soft Pull |
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Bank 5 Connect does a soft pull not a hard pull when opening an account.
I just opened a checking and savings account with Space Coast Credit Union which is headquartered in Melbourne, Florida. They did a hard pull on my experian credit report prior to approval. I had no idea a bank could arbitrarily do a hard pull on a major credit reporting bureau when I was not asking to open any credit-related product. I was very irritated.
Try to open a business checking account @ BOFA and got a hard pull and F**ked up is they did not approve it.
I want to open a series LLC checking account to accept money.
BB&T does a hard pull on Equifax only for opening a checking account back in March 2017. I’m looking at my credit report and its right there. They guaranteed me it was only a soft, well they lied. On all three of my credit reports that is the only pull. It would be nice if they were honest about their policy.
I recently applied online to join Lake Michigan Credit Union and for their credit card. For me, they did a hard pull on Experian, not TransUnion.
Thanks for the datapoint Jeff & we have updated our list.
Pentagon Federal Credit Union, Hard Pull on Equifax
Hi, I just got email confirmation from Popular Direct Bank of NO PULL. I’m surprised i’m the first to report
Dear Customer,
Thank you for contacting the Popular Direct Team at Banco Popular North America.
We do not perform a credit pull while opening Popular Direct accounts.
Should you have any further questions or concerns please feel free to contact us via email or call us at 1-800-274-5696, where Customer Service Representatives are available 24/7 to assist you.
Victor
Customer Care Center
1-800-274-5696
Live Oak Bank and Synchrony do a soft pull. I opened both of these savings accounts in minutes.
Redneck Bank and Ally and Goldman Sachs do a HARD pull to open savings accounts. All 3 of these denied me because I have frozen my credit reports with all 3 agencies. I did this years ago and do not feel like spending money to unlock my credit just for a stupid savings account, especially when I can get great rates from banks that will approve me in minutes with a soft pull. Banks that insist on a hard pull are losing out on potential customers and their deposits.
WHATS THE BENEFITS OF FREEZING YOUR CREDIT REPORTS? SOUND INTERESTING
How on earth does someone who’s never heard of freezing credit reports end up on a site like this at all? Lol, wow. If that was actually a genuine question, read https://lenpenzo.com/blog/id8076-the-pros-cons-of-freezing-your-credit-report.html
That was extremely rude and condescending. Internet searches pull up all kinds of answers for questions from all sorts of sources as you should know.
I Joined Northern Skies Federal Credit Union 01/2018.
There was no credit report pulled. I applied online, but you do have to go to a branch to open and fund the account. They only have 2 branches, and you have to pick the branch that you want to complete the application at.
I haven’t opened an account with Incredible Bank, but I did email customer service and received a response that they do a soft credit pull. BTW they’re offering a 1.55% interest rate with a minimum balance of $25,000.
Hi Chad,
Thanks for the datapoint, it has been added to our list.