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 Cornerstone Bank
- 3.125 Cornerstone Financial Credit Union
- 3.126 Country Bank for Savings
- 3.127 Crane Credit Union
- 3.128 Credit Union of Denver
- 3.129 Credit Union of Texas
- 3.130 Credit Union One
- 3.131 Customers Bank
- 3.132 DCU (Digital Federal Credit Union)
- 3.133 Dearborn Savings Bank
- 3.134 Dedham Savings Bank
- 3.135 Delta Community Credit Union
- 3.136 Denizen
- 3.137 Denmark State Bank
- 3.138 Destinations Credit Union
- 3.139 Dime Savings Bank
- 3.140 Discover Bank
- 3.141 Dollar Bank
- 3.142 Dubuque Bank & Trust
- 3.143 East Boston Savings Bank
- 3.144 Eastern Bank
- 3.145 Easthampton Bank
- 3.146 Elements Financial
- 3.147 Elevations CU
- 3.148 ESL Federal Credit Union
- 3.149 Evansville Teachers FCU
- 3.150 FCB South County Bank
- 3.151 FedFinancial Federal Credit Union
- 3.152 Fidelity Bank
- 3.153 Fifth Third Bank
- 3.154 First Advantage Bank
- 3.155 FirstBank
- 3.156 First Bank And Trust
- 3.157 First Bank Financial Centre
- 3.158 First Bank Virginia
- 3.159 First Bank Missouri
- 3.160 First Citizens Bank
- 3.161 First Community Bank
- 3.162 First Federal Bank
- 3.163 First Financial Credit Union
- 3.164 First Internet Bank
- 3.165 First Mark Credit Union
- 3.166 First Merit Bank
- 3.167 First Merchants Bank
- 3.168 First Midwest Bank
- 3.169 First National Bank
- 3.170 First National Bank Utah
- 3.171 First Niagara Bank
- 3.172 First Tech Federal Credit Union
- 3.173 First Tennessee Bank
- 3.174 First Trade Union Bank
- 3.175 First United Bank
- 3.176 Five Star Bank
- 3.177 Flagstar Bank
- 3.178 Florida Community Bank
- 3.179 Flushing Bank
- 3.180 Forcht Bank
- 3.181 Frost Bank
- 3.182 F&M Bank
- 3.183 Focus Bank
- 3.184 Fulton Bank
- 3.185 GTE Financial
- 3.186 Great Lakes Credit Union
- 3.187 Great Southern Bank
- 3.188 Greater Nevada CU
- 3.189 Green House by Wells Fargo
- 3.190 Hancock Whitney Bank
- 3.191 HarborOne Bank
- 3.192 Heritage Credit Union
- 3.193 HeritageWest Credit Union
- 3.194 Hiway Federal Credit Union
- 3.195 HomeStreet Bank
- 3.196 HomeTrust Bank
- 3.197 Honor Credit Union
- 3.198 HSBC Checking
- 3.199 Huntington Bank
- 3.200 IBERIABANK
- 3.201 IBM Southeast FECU
- 3.202 ICBC USA
- 3.203 Ideal Credit Union
- 3.204 Illinois Bank & Trust
- 3.205 Incredible Bank
- 3.206 Insight Prepaid & Savings
- 3.207 Industrial and Commercial Bank of China (USA)
- 3.208 Integrity Bank
- 3.209 Investors Bank
- 3.210 Iowa State Bank
- 3.211 Johnson Bank
- 3.212 Justice Federal Credit Union
- 3.213 JSC Federal Credit Union
- 3.214 KeyBank
- 3.215 Kinecta Federal Credit Union
- 3.216 Lake Michigan Credit Union
- 3.217 Landmark Credit Union
- 3.218 Lake Shore Savings
- 3.219 Level One Bank
- 3.220 Legacy Texas
- 3.221 LGE Community Credit Union
- 3.222 Liberty Bank for Savings
- 3.223 Liberty Bank
- 3.224 Logix Credit Union
- 3.225 Los Angeles FCU
- 3.226 Lyons National Bank
- 3.227 Macatawa Bank
- 3.228 Main Street Bank
- 3.229 Mainstreet Credit Union
- 3.230 Mango Money
- 3.231 Marquette Bank
- 3.232 MB Financial Bank
- 3.233 McGraw Hill FCU
- 3.234 Melrose Bank
- 3.235 MemoryBank
- 3.236 Midfirst Bank
- 3.237 Mission Federal Credit Union
- 3.238 Middlesex Savings Bank
- 3.239 My Banking Direct
- 3.240 M&T Bank
- 3.241 Monroe Bank & Trust
- 3.242 Montgomery County EFCU
- 3.243 Mountain America CU
- 3.244 MountainOne Bank
- 3.245 MUFG Union Bank
- 3.246 MVB Bank
- 3.247 NASA Federal Credit Union
- 3.248 NA PA Credit Union
- 3.249 NBC Oklahoma
- 3.250 Nationwide Bank
- 3.251 Navy FCU
- 3.252 Neighborhood Credit Union
- 3.253 Nevada State Bank
- 3.254 Newtown Savings Bank
- 3.255 New Mexico Bank & Trust
- 3.256 New York Community Bank
- 3.257 Northern Bank Direct
- 3.258 Northfield Bank
- 3.259 Northpointe Bank
- 3.260 North Shore Bank
- 3.261 Northwest Bank
- 3.262 Northwest Savings Bank
- 3.263 Nutmeg Financial Credit Union
- 3.264 NuVision Federal Credit Union
- 3.265 NVE Bank
- 3.266 OceanFirst Bank
- 3.267 Old Missouri Bank
- 3.268 Old National Bank
- 3.269 Old Second Bank
- 3.270 OneWest Bank
- 3.271 Option 1 CU
- 3.272 Orange County CU
- 3.273 Orlando FCU
- 3.274 OUR Credit Union
- 3.275 Parkside Credit Union
- 3.276 Patelco
- 3.277 PeoplesBank
- 3.278 People's United Bank
- 3.279 Pinnacle Bank
- 3.280 PNC Bank
- 3.281 Popular Community Bank
- 3.282 Power Financial Credit Union
- 3.283 Preferred Credit Union
- 3.284 Premier America Credit Union
- 3.285 Premier Members Credit Union
- 3.286 Provident Bank
- 3.287 Provident Credit Union
- 3.288 Public Service Credit Union
- 3.289 Radius Bank
- 3.290 Regions Bank
- 3.291 Reliant Community Credit Union
- 3.292 Republic Bank
- 3.293 Ridgewood Savings Bank
- 3.294 Rivermark Community Credit Union
- 3.295 Royal Credit Union
- 3.296 Salal Credit Union
- 3.297 Salem Five Bank
- 3.298 Sallie Mae
- 3.299 San Mateo Credit Union
- 3.300 Sandy Spring Bank
- 3.301 Santander Bank
- 3.302 Savings Bank of Danbury
- 3.303 Seacoast Bank
- 3.304 Selco Community CU
- 3.305 Signature Bank of Georgia
- 3.306 Signature Federal Credit Union
- 3.307 Simple Bank
- 3.308 Solvay Bank
- 3.309 Sound Credit Union
- 3.310 South State Bank
- 3.311 Spire Credit Union
- 3.312 Security Service FCU
- 3.313 S&T Bank
- 3.314 Stanford FCU
- 3.315 Star One CU
- 3.316 State Bank of India
- 3.317 State Employees Credit Union
- 3.318 Sterling National Bank
- 3.319 Stoneham Bank
- 3.320 Suffolk FCU
- 3.321 Sun East FCU
- 3.322 SunTrust Bank
- 3.323 Synovus Bank
- 3.324 Talmer Bank and Trust
- 3.325 TCF Bank
- 3.326 TD Bank
- 3.327 Technology Credit Union
- 3.328 Telhio Credit Union
- 3.329 Texas Dow Employees CU
- 3.330 TIAA Direct
- 3.331 Tobyhanna Federal Credit Union
- 3.332 Truity Credit Union
- 3.333 TruMark FCU
- 3.334 Trustco Bank
- 3.335 TruStone Financial
- 3.336 TruWest Credit Union
- 3.337 UFB Direct
- 3.338 Univest Bank & Trust
- 3.339 Unify Financial Credit Union
- 3.340 Union Bank
- 3.341 Union Community Bank
- 3.342 Union Plus
- 3.343 Unitus Community Credit Union
- 3.344 Unity Bank
- 3.345 USAlliance Financial
- 3.346 U.S Bank
- 3.347 Valley Bank & Trust
- 3.348 VantageWest Credit Union
- 3.349 Valley National Bank
- 3.350 Vibrant Credit Union
- 3.351 Washington Savings Bank
- 3.352 Webster Bank
- 3.353 Wells Fargo
- 3.354 WesBanco
- 3.355 Westfield Bank
- 3.356 Wisconsin Bank & Trust
- 3.357 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.
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 |
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 |
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.