Is Opening A Bank Account A Soft Or Hard Pull?

fThat depends on who the bank account is with. Most banks will simply do a soft pull on your credit report (this doesn’t affect your credit score at all), but some banks (especially those who offer a line of credit, such as overdraft protection) will do a hard pull on your credit file. Below we’ve listed banks and whether they do a hard or soft pull, along with the source of this information. If you have another data point, please let us know in the comments.

Contents

121 Financial Credit Union

  • No data points

7 17 Credit Union

  • No data points

1st Advantage Federal Credit Union

  • No data points

1st Colonial Community Bank

  • No data points

1st Constitution Bank

  • Soft pull: 1

1st Financial Federal Credit Union

  • No data points

1st Mariner Bank

They will only approve you if you have 3 ChexSystems inquiries or less.

  • Soft pull: 1

1st Security Bank

  • No data points

1st Source Bank

  • Soft pull: 1,

1st United Credit Union

  • Soft pull: 1

3Rivers Federal Credit Union

  • Soft pull: 1,

4Font Credit Union

  • Soft pull: 1,

5Point Credit Union

  • No data points

A+ Federal Credit Union (A+FCU)

Hard pull: 1

AAA

Unknown

AAC Credit Union

  • Soft pull 1 (according to rep)

Abington Bank

  • No data points

Achieva

  • Hard pull: 1 (all three bureaus)

ACNB

  • Soft pull: 1
  • DON’T do a ChexSystems: 1

Acorns Bank

  • No data points

Addition Financial

  • Soft pull: 1, 2, 3,

Adirondack Bank

  • No data points

Advance Financial Federal Credit Union (AFFCU)

Unknown, please share your experiences in the comments.

Advantage Bank

  • No data points

Advantage Credit Union

  • No data points

Advantis Credit Union

  • Hard pull: 1, 2,
  • Soft pull: 1, 2, 3, 4, 5,

Adventure Credit Union

  • Hard pull: 1

Advia Credit Union

  • No data points

Aero Federal Credit Union

  • No data points

AFFCU

  • No data points

Affiliated Bank

  • Soft pull: 1,

Affinity Federal Credit Union

  • Soft pull: 1,
  • Hard pull: 1,

Air Academy Federal Credit Union

  • Soft pull: 1,

Albert Neobank

  • Soft pull: 1,

Alcoa Tenn Federal Credit Union

  • No data points

Alden Credit Union

  • Soft pull: 1

All America Bank

  • Soft pull: 1

Allegiance Credit Union

  • No data points

Allegius Credit Union

  • Hard pull: 1,

Alliant

  • Soft pull: 1, 2, 3, 4

Allied First Bank

  • No data points

AllTru Credit Union

  • Soft pull: 1,

Ally

  • Hard pull: 1, 2
  • Soft pull: 1, 2, 3, 4 (savings)

Aloha Pacific Federal Credit Union

  • No data points

AltaOne Federal Credit Union

  • No data points

Altra Federal Credit Union

  • Hard pull: 1 (TU), 2, 3,

Amalgamated Bank

  • Soft pull: 1

Amboy Direct

  • No data points

Amerant Bank

  • No data points

American Bank

  • No data points

American Bank Center

  • No data points

American Bank & Trust

  • Soft pull: 1,

American Bank & Trust SD & MN

  • No data points

American Commerce Bank

  • No data points

American Eagle Financial Credit Union

  • Soft pull: 1 (according to CSR), 2, 3,

American Enterprise Bank

  • No data points

American Express

  • Soft pull: 1,

American Express Bluebird

  • Soft pull: 1, 2

American Express Serve

  • Soft pull: 1

America First Credit Union

  • Hard pull: 1, 2,

American Hertiage FCU

  • Hard pull: 1, 2, 3,

American Investors Bank & Mortgage (AIBM)

  • No data points

American Pride Bank

  • Soft pull: 1,

American Savings Bank (ASB) Hawaii

  • No data points

American Trust & Savings Bank

  • No data points

American United Federal Credit Union

  • Hard pull: 1,

America’s Christian Credit Union

  • Hard pull: 1,

America’s Credit Union

  • Hard pull: 1

AmeriCU Credit Union

  • No data points

Ameriprise Financial

  • No data points

Ameris Bank

  • Soft pull: 1,

ANB Bank

  • No data points

Anchor Bank

  • Soft pull: 1

Andrews Federal Credit Union

  • Hard pull: 1
  • Soft pull: 1

Andigo Credit Union

  • Soft pull: 1, 2,

ANECA Credit Union

  • Soft pull: 1,

Anoka Hennepin Credit Union

  • Hard pull: 1,

APGFCU

  • Hard pull: 1,

Apple Bank

  • Soft pull: 1

Apple Federal Credit Union

  • Soft pull: 1,

Arbor Financial Credit Union

  • Soft pull: 1,

Ardent Credit Union

  • Soft pull: 1, 2, 3,

Arizona Central Credit Union

  • CSR’s stated that it is a hard pull on Equifax.

Arizona Federal Credit Union

  • Soft pull: 1, 2, 3,
  • Hard pull: 1,

Arizona Financial Credit Union

  • Soft pull: 1,

Arizona State Credit Union (now OneAZ Credit Union)

  • Soft pull: 1

Arkansas Federal Credit Union

  • No data points

Armed Forces Bank

  • Soft pull: 1,

Arrha Credit Union

  • No data points

Arsenal Credit Union

  • Hard pull: 1,

Arundel Federal Savings Bank

  • Soft pull: 1, 2,

Arvest Bank

  • Soft pull: 1

Ascend Federal Credit Union

  • Hard pull: 1

Ascent Credit Union

  • No data points

Ashland Credit Union

  • Soft pull: 1,

Aspiration

  • Soft pull: 1, 2, 3,

Aspire Credit Union

  • Soft pull: 1

Astoria Bank

  • Soft pull: 1

Associated Bank

  • Soft pull: 1

Associated Credit Union of Texas (ACUTX)

  • No data points

Associated Credit Union

  • No data points

Austin Bank

  • No data points

Avidia Bank

  • Soft pull (at least on TransUnion & Experian): 1
  • Chex system only: 1

Axos Bank

  • Soft pull: 1,

Ballston Spa National Bank (BSNB)

  • Soft pull: 1

BancorpSouth

  • Soft pull: 1, 2

Bank7

  • Soft pull: 1,

Bank & Trust

  • Soft pull: 1

Bankers Trust

  • No data points

bankESB (East Hampton Savings Bank)

  • Soft pull: 1

Bank of America

  • Soft pull: 1, 2, 3, 4,
  • Chex system inquiry: 1

Bank Direct

  • Soft pull: 1, 2, 3

Bank of Blue Valley

  • No data points

Bank of Elk River

  • Soft pull: 1,

Bank Five Nine

  • No data points

BankFinancial

  • No data points

BankHometown

  • No data points

Bank of Hawaii

  • No data points

Bank of Hope

  • Soft pull: 1,

BankNewport

  • No data points

Bank Novo

Bank Independent

  • No data points

Bank of Canton

  • Soft pull: 1 (via e-mail on 5/10/17 according to CSR)

Bank of Greene County

  • No data points

Bank Of Lee’s Summit

  • Unknown

Bank of Maine

  • Soft pull: 1
  • Chex system inquiry: 1

Bank Midwest

  • No data points

Bank of Montgomery (BOM)

  • No data points

BankMutual

  • Soft pull: 1, 2
  • Chex systems inquiry: 1

Bank of Elk River

  • No data points

Bank of Ruston

  • Soft pull: 1,

Bank Of Sun Prairie

  • No data points

Bank of Tennessee

  • No data points

Bank of The Blue Grass

  • No data points

Bank of the West

  • Soft pull: 1, 2
  • ChexSystems: 1

BankORION

  • Soft pull: 1

Bank OZK

  • No data points

BankPlus

  • No data points

BankPurely

  • Soft pull: 1

BankWell

  • Soft pull: 1

  • Soft pull: 1,

Banterra

  • No data points

Barclays

  • No data points

Bar Harbor Bank & Trust

  • Soft pull: 1,

Baselane

  • No data points

Bask Bank

  • No data points

Baton Rouge Telco Federal Credit Union

  • No data points

BayCoast Bank

  • Soft pull: 1,

BB&T

  • Soft pull (Equifax): 1, 2 (one report of hard Equifax pull: 1), 3, 4

BBVA

  • Hard pull (TransUnion): 1, 2, 3, 4
  • Soft pull: 1, 2
  • New data points:
    • Soft pull: 1, 2, 3, 4, 5, 6,

Beacon Credit Union

  • Hard pull: 1,

Beartooth Bank

  • No data points

BECU

  • Soft pull: 1, 2

Belco Community Bank

  • Soft pull: 1

Bell Bank

  • Soft pull: 1,

Bellco Credit Union

  • Hard pull: 1

Belmont Savings Bank

  • No data points

Benchmark Federal Credit Union

  • Hard pull: 1,

Beneficial Bank

  • No data points

Berkshire Bank

  • Soft pull: 1 (via e-mail on 10/6/24)

Beverly Hill Bank

  • No data points

BethPage Credit Union

  • Soft pull: 1

Better Banks

  • No data points

BHCU

  • No data points

BiddefordSavings

  • No data points

Blackhawk Bank & Trust

  • No data points

Blaze Credit Union

  • Hard pull: 1, 2,
  • Soft pull: 1,

Blue Hills Bank

  • Soft pull: 1

Blue Federal Credit Union

  • Soft pull: 1 (via e-mail on August 17th, 2016)

Blue Foundry Bank

  • No data points

BlueVine

  • No hard pull: 1

BluPeak Credit Union

  • Soft pull: 1,

BMI Federal Credit Union

  • Soft pull: 1, 2,
  • Hard pull: 1, 2, 3,

BMO Harris

  • Soft pull: 1, 2, 3
  • Chex system inquiry: 1

BMT (Bryn Mawr Trust)

  • Soft pull: 1

BOKF (Bank of Albuquerque, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust)

  • Soft pull: 1
  • Bank of Oklahoma: Soft pull: 1, 2
  • Bank of Texas: Soft pull: 1

Bravera Bank

  • No data points

Brentwood Bank

  • No data points

Bridge Credit Union

  • No data points

Bridgeview Bank Group

  • Soft pull: 1

Brightpeak Financial

  • Soft pull: 1

BrightStar Credit Union

  • Soft pull: 1
  • ChexSystems: 1

Brio Direct Bank

  • Soft pull: 1, 2, 3,

Broadway Bank

  • Soft pull: 1, 2,

Broadview Federal Credit Union

  • No data points

Bryon Bank

  • No data points

Byline Bank

  • Soft pull: 1,

Buckeye State Bank

  • No data points

Buckeye State Credit Union

  • No data points

Bull’s Eye Credit Union

  • No data points

Busey Bank

  • Soft pull: 1,

California Bank & Trust

  • No data points

California Coast Credit Union

  • Hard pull: 1,
  • Soft pull: 1,

California Credit Union

  • No data points

Callaway Bank

  • Soft pull: 1

Cambridge Savings Bank

  • Soft pull: 1

Camden National Bank

  • Soft Pull: 1
  • ChexSystems: 1

Capital Bank

  • Soft pull: 1,

Capital City Bank

  • No data points

Carver Federal Savings Bank

  • No data points

Cambridge Trust Company

  • No data points

Campus USA Credit Union

  • Hard pull: 1, 2, 3,

Cape Cod 5

  • No data points

Cap Ed Credit Union

  • Soft pull: 1,

Capital Credit Union

  • No data point

Capital One

Presumably it’s the same as Capital One 360 below, but we don’t have any hard data points on this.

Capital One 360

  • Capital one will do a hard credit pull for a checking account only if you opt for overdraft protection. As long as you opt out there will only be a soft pull. Their savings account only has a soft pull done. This is also answered on their website which can be found by clicking here.

Capitol Bank

  • No data points

CBT Bank

  • Soft pull: 1,

CCFBank

  • Soft pull: 1

Cedar Rapids Bank & Trust

  • No data points

CEFCU

  • Soft pull: 1
  • Hard pull: 1, 2, 3, 4,

CenterBank

  • No data points

Center Parc

  • No data points

Centier

  • No data points

Centra Credit Union

  • No data points

Central Florida Educators  Credit Union

  • Soft pull: 1,

Central Illinois Bank

  • Soft pull: 1,

Central Pacific Bank

  • No data points

Central Willamette Credit Union

  • Hard pull: 1,

Century Bank

  • Soft pull: 1,

Central Bank

  • Soft pull: 1

Central Minnesota Credit Union

  • Soft pull: 1, 2, 3,

CFG Bank

  • Soft pull: 1

Charter Oak

  • No data points

Charles Schwab

No longer a hard pull

Chartway Credit Union

  • Soft pull: 1
  • Chex System Inquiry: 1

Charter One

See: Citizens Bank. This is the same bank, just with a different branding in IL, MI, and OH.

Chase

  • Soft pull: 1, 2
  • Chex system inquiry: 1
  • Business account is a soft pull also: 1

Cheese

  • Soft pull: 1,

Chesapeake Bank

  • Soft pull: 1,

Chief Financial Credit Union

  • No data points

Christian Community Credit Union

  • Soft pull: 1, 2
  • Hard pull: 1

CIBC US

  • Soft pull: 1 (via e-mail on 07/04/18)

Cincinnatus Savings & Loan

  • No data points

Cincinnati Federal

  • Soft pull: 1

CinFed Credit Union

  • Hard pull: 1 (Experian)

Citadel Credit Union

  • Soft pull: 1

CIT Bank

  • Soft pull: 1

Citibank

  • Soft pull: (source: 1, 2, 3, 4, 5, 6, 7)

The Citizens Bank

  • No data points

Citizens Bank

Citizen Bank looks to be a soft credit inquiry when you apply at a branch and a hard credit inquiry when you apply online. Update: This seems to no longer be the case, it’s now a soft pull online as well as long as you don’t opt in for over draft protection.

  • Soft pull: 1, 2, 3, 4, 
  • Hard pull: 1, 2, 3
  • Hard pull (Equifax): 1, 2, 3, 4, 5
  • Soft pull (online): 1
  • No Chex system inquiry: 1
  • Chex system inquiry: 1
  • Soft pull if you apply in branch: 1

Citizens First Bank

  • No data points

City Mark Federal Credit Union

  • No data points

City National Bank (Bankatcity)

  • Soft pull: 1

City & County Credit Union

  • No data points

Civista Bank

  • Soft pull: 1,

Clearview Federal Credit Union

  • Soft pull: 1 (via e-mail on August 1st, 2016)

Clifton Savings Bank (CSBK)

  • No data points

Clinton Savings Bank

  • Soft pull: 1,

CME Federal Credit Union

  • Hard pull: 1 (TransUnion)

C&N Bank

  • Soft pull: 1,

CNB Bank & Trust

  • No data points

Coastal Credit Union

  • Soft pull: 1, 2,

Cobalt Credit Union

  • No data points

CODE Credit Union

  • No data points

Collins Community Credit Union

  • Soft pull: 1,

Columbia Bank (WA, OR, ID)

  • Soft pull: 1, 2,
  • Hard pull: 1, 2, 3,

Columbia Bank (NJ)

  • Soft pull: 1

Columbia Credit Union

Seems to be hard online and soft in branch.

  • Soft pull: 1
  • Hard pull: 1, 2,

Comerica

  • Soft pull: 1

Commonwealth Central Credit Union

  • Hard pull: 1,

Community Resource Credit Union

  • No data points

Compass Credit Union

  • No data points

Commerce Bank (MA)

  • Unknown

Commerce Bank (MO, KS, IL, OK & CO)

  • Soft pull: 1

Communication Federal Credit Union

  • Soft pull: 1 (sent via e-mail on 11/14/18) 2,
  • Hard pull: 1,

CommonWealth Credit Union

  • No data points

Community Alliance Credit Union

  • Unknown

CommunityAmerica Credit Union

  • Hard pull: 1, 2, 3 (TransUnion), 4,
  • Soft pull: 1, 2,

Community Bank & Trust

  • Unknown

Community Choice Credit Union

  • Soft pull: 1,

Community Choice Credit Union [IA]

  • Hard pull: 1,

Community Credit Union Florida

  • Hard pull: 1,

Community Financial Credit Union

  • Hard pull: 1, 2 (csr)
  • Soft pull: 1,  2, 3, 4,

Community Financial Services Bank

  • Soft: 1

Community First Credit Union – CA

  • No data points

Community First Credit Union of Florida

  • Soft pull: 1, 2,

Community State Bank

  • No data points

Community West Credit Union

  • No data points

Compass Federal Credit Union

  • No data points

ConnectOne Bank

  • No data points

Connex Credit Union

  • Hard pull: 1,

ConnexUs Credit Union

  • Hard pull: 1, 2, 3

Consumers Credit Union

  • Hard pull (Equifax): 1, 2, 3, 4

Consumers Credit Union (MI)

  • Hard pull: 1 (according to csr)

Consolidated Community Credit Union

  • No data points

Control Card

  • Unknown

Copper Banking

  • Soft pull: 1,

Cooperative Bank of Cape Cod

  • No data points

Coors Credit Union

  • No data points

Corda Credit Union

  • No data points

Cornerstone Bank

  • Hard pull: 1, 2, 3,
  • Soft pull: 1

Cornerstone Financial Credit Union

  • Hard pull: 1, 2,

Country Bank

  • No data points

Country Bank For Savings

  • Soft pull: 1

Crane Credit Union

  • No data points

Credit Human

  • Soft pull: s, 2,

 Credit Union 1

  • Soft pull: 1,
  • Hard pull: 1, 2, 3, 4,

Credit Union of America

  • Hard pull: 1,

Credit Union of New Jersey

  • Hard pull: 1 (experian)

Credit Union of Ohio

  • No data points

Credit Union One

  • Soft pull: 1, 2,

Credit Union of the Rockies

  • No data points

Credit Union of Southern California

  • No data points

Credit Union of Texas

  • Hard pull: 1, 2,

Credit Union West

  • Soft pull: 1,

CrossPoint Federal Credit Union

  • No data points

Crystal Lake Bank

  • No data points

CSE Federal Credit Union

  • No data points

Current

  • Soft pull: 1,

Cyprus Credit Union

  • No data points

Darien Rowayton Bank

  • Unknown

DCU (Digital Federal Credit Union)

Should now be a soft pull if you opt out of overdraft protection: 1, 2,

Hard pull: 1 (Equifax), 2

Dearborn Savings Bank (DSB)

  • Soft pull: 1,

Dedham Savings Bank

  • Soft pull: 1 (via e-mail on 06/06/17)

Del Norte Credit Union

  • Soft pull: 1,

Delta Community Credit Union

  • Hard pull: 1, 2
  • Soft pull: 1, 2, 3, 4, 5,

Denizen

  • Soft pull: 1,

Denmark State Bank

  • Hard pull: 1 (transunion)

Denver Community Credit Union

  • Unknown

Desert Community Bank

  • No data points

Desert Financial Credit Union

  • Soft pull: 1, 2,

Desert Schools Federal Credit Union

  • No data points

Destinations Credit Union

  • Soft pull (Transunion): 1, 2

Devon Bank

  • No data points

Diamond Valley Federal Credit Union

  • No data points

Discover

  • Soft pull: 1, 2, 3, 4

Dollar Bank

  • Soft pull: 1
  • ChexSystems: 1

Dollar Savings Bank

  • No data points

Dort Federal Credit Union

  • Hard pull: 1,

DuGood Federal Credit Union

  • No data points

DuPage Credit Union

  • Hard pull; 1, 2,

Dundee Bank

  • No data points

Dupaco Credit Union

  • No data points

Eagle Federal Credit Union

  • Hard pull (Experian): 1

Earn Bank

  • No data points

East Boston Savings Bank

  • Soft pull: 1

East Cambridge Savings Bank

  • Soft pull: 1,

Eastern Bank

  • Soft pull: 1

Eastern Savings Bank

  • No data points

East Idaho Credit Union

  • Hard pull: 1,

Eastman Credit Union

  • Soft pull: 1,

East Wisconsin Savings Bank

  • No data points

EBSB Direct

  • No data points

ECCU

  • Soft pull: 1, 2,

Educational Systems Federal Credit Union

  • Hard pull: 1, 2, 3, 4, 5,
  • Soft pull: 1,

Educators Credit Union (ECU)

  • No data points

Edwards Federal Credit Union

  • No data points

EECU

  • Soft pull: 1, 2,

Elements Financial Credit Union

  • Soft pull: 1 (via e-mail on 02/08/2017)

Elevations Credit Union/Buff One

  • Soft pull: 1
  • Hard pull now?: 1, 2,

Elite Community Credit Union

  • No data points

Elko Federal Credit Union

  • No data points

Empire State Bank

  • No data points

Emprise Bank

  • Soft pull: 1 (via e-mail on 10/8/19)

Energy Federal Credit Union

  • No data points

Energy One Credit Union

  • No data points

ENT Credit Union

  • Soft pull: 1, 2,

Enzo

  • Soft pull: 1,

Equity Bank

  • No data points

ESL Federal Credit Union

  • Soft pull: 1

ESSA Bank & Trust

  • No data points

Essex Bank

  • Soft pull: 1,

E*Trade

  • No data points

Eureka Savings Bank

  • No data points

Evanston Community Bank

  • Soft pull: 1,

Evansville Teachers Federal Credit Union

  • Soft pull: 1, 2,

EverBank

  • No data points

Exchange Bank

  • No data points

Excite Credit Union

  • Soft pull: 1,

Expedition Credit Union

  • Hard pull: 1,

Extraco Banks

  • No data points

Fairwinds Credit Union

  • Soft pull: 1, 2,

Family Trust Federal Credit Union

  • No data points

Farm Bureau Bank

  • Soft pull: 1,

Farmers Insurance Federal Credit Union

  • Soft pull: 1, 2, 3, 4,

Farmers & Merchants Bank

  • No data points

Farmers & Merchants State Bank

  • Soft pull: 1,

Farmington Bank

  • No data points

FAST Credit Union

  • No data points

FCB Banks

  • No data points

FCNB Bank

  • No data points

FCB South County Bank

  • Soft pull: 1

FEDCOM

  • Unknown

FedFinancial Federal Credit Union

  • Hard pull: 1 (TransUnion)

Fidelity (Brokerage)

  • Soft pull: 1,

Fidelity Bank (PA)

  • Soft pull: 1

Fidelity Bank (Online, MA)

  • Soft pull: 1,

Fidelity Bank (Bank With Fidelity)

  • No data points

Fierce Finance

  • No data points

Fifth Third Bank

  • Soft Pull: 1, 2, 3,

Figure Pay

  • Soft pull: 1,

Financial Builders

  • No data points

Financial Partners Credit Union

  • Soft pull: 1 (via e-mail)

Financial Plus Credit Union

  • No data points

Financial Resources Credit Union

  • No data points

Finex Credit Union

  • No data points

Firefly Credit Union

  • Hard pull: 1, 2, 3, 4,

First Advantage Bank

  • Hard pull: 1

First American Bank

  • Soft pull: 1, 2,

FirstBank

According to a reader via e-mail (February 10th, 2016) this now looks to be a soft pull. And another DP: 1. Another DP is saying it’s a hard pull… and another. and another

  • Hard pull: 1
  • Soft pull: 1, 2, 3,

FirstBank [TN, GA, AL]

  • Soft pull: 1,

First Bank (VA, MD)

  • Soft pull: 1,

First Bank (CA, IL & MO)

  • Soft pull: 1, 2,

First Bank and Trust

  • Soft pull: 1

First Bank of Manhattan

  • No data points

First Bank & Trust Company Illinois

  • No data points

First Bank Financial Centre (FBFC):

  • Soft pull: 1 (according to rep), 2, 3

First Basin Credit Union Checking

  • No data points

First Citizen’s Bank

  • Hard pull (Equifax): 1, 2, 3
  • No hard pull: 1, 2, 3

First Citrus Bank

  • No data points

First Commerce Credit Union

  • Hard pull: 1,

First Commonwealth Bank

  • Soft pull: 1, 2,

First Community Bank (AR/MO)

  • No data points

First Community Credit Union

  • No data points

First Entertainment Credit Union

  • No data points

First Federal Bank (FL)

  • No data points

First Federal Bank of Kansas City

  • No data points

First Federal Bank of Wisconsin

  • Soft pull: 1, 2

First Federal Credit Union

  • Soft pull: 1 (via email on 6/7/20)

First Fidelity Bank

  • Soft pull: They have considerable advantage in getting that share.,

First Financial Federal Credit Union

  • No data points

First Financial Credit Union

  • Hard pull: 1 (TransUnion)

First Financial Federal Credit Union (MD only)

  • No data points

First Federal Bank

  • Soft pull: 1 (on EQ & TU)

First Financial Bank (AR/MS)

  • Soft pull: 1,

First Financial Bank (TX)

  • Soft pull: 1,

First Financial Bank (IL, IN, KY, OH)

  • Soft pull: 1 (via e-mail on 7/14)

First Financial Northwest Bank

  • No data points

First Flight Credit Union

  • Hard pull: 1 (according to CSR)
  • Soft pull: 1,

First Florida Credit Union

  • Soft pull: 1, 2,
  • Hard pull: 1,

First General Credit Union

  • No data points

First Green Bank

  • No data points

First Hawaiian Bank

  • No data points

First Home Bank

  • Soft pull: 1,

First Horizon Bank

First Horizon Bank used to be First Tennessee & Capital Bank. We recommend looking at previous datapoints for those banks. Below we will only list datapoints since the name change.

  • Soft pull: 1,

First Internet Bank

  • Hard pull: 1,

First Jersey Credit Union

  • No data points

FirstLight Federal Credit Union

  • No data points

First-Lockhart National Bank

  • No data points

First Mark Credit Union

  • Hard pull (Equifax): 1, 2, 3
  • Soft pull: 1

First Merchants Bank

  • Soft pull: 1, 2

First Merit Bank

  • Soft pull: 1

First Midwest Bank

  • Soft pull: 1

First National 1870

  • No data points

First National Bank (FNB)

  • Soft pull: 1

First National Bank (IA)

  • No data points

First National Bank [UT]

  • Soft pull: 1, 2

First National Bank [NE]

  • Soft pull: 1 (via e-mail on 10/07/17)

First National Bank of Long Island

  • Soft pull: 1,

First National Bank of Texas

  • No data points

First National Bank and Trust Company

  • Soft pull: 1,

First National Bank of Waterloo

  • No data points

First National Bank in Staunton

  • No data points

First Nebraska Educators Credit Union

  • No data points, but checking account comes with a $600 overdraft line of credit so it’s probably a hard pull.

First Niagara

  • Soft Pull: 1, 2, 3
  • Chex Inquiry: 1, 2

First Northern Credit Union

  • Hard pull: 1, 2,

First Republic Bank

  • Soft pull: 1

Firstrust Bank

  • Soft pull: 1, 2,

First Savings Bank of Hegewisch

  • No data points

First Service Bank

  • No data points

First Service Credit Union

  • No data points

First Southern Bank

  • No data points

First South Financial

First State Bank Of Illinois

  • Hard pull (experian): 1, 2

First State Community Bank

  • Soft pull: 1

First Tech Federal Credit Union

  • Hard pull: 1
  • Soft pull: 1 (in branch), 2, 3, 4, 5, 6,

First Tennessee

  • Soft Pull: 1

First Trade Union Bank

  • Soft Pull: 1
  • Chex Inquiry: 1

First United Bank

  • Soft pull: 1

First United Credit Union

  • Hard pull: 1,

First US Community Credit Union

  • Hard pull: 1, 2,

Fitness Bank

  • No data points

Fitzsimmons Credit Union

  • No data points

Five Star Bank

  • Soft pull: 1

Flagship Bank

  • No data points

Flagstar Bank

  • Soft pull: 1, 2,

Florence Bank

  • Soft pull: 1,

Florida Community Bank

  • Soft Pull: 1
  • Chex Inquiry: 1

Florida Credit Union

  • Hard pull: 1 (EQ), 2,

Florida West Coast Credit Union

  • No data points

Flushing Bank

  • Soft pull: 1, 2,

F&M Bank

  • Soft pull: 1

F&M Bank (VA Only)

  • No data points

F&M Bank (IN, OH)

  • Soft pull: 1,

Focus Bank

  • Soft pull: 1

Focus Federal Credit Union

  • No data points

Forcht Bank

  • Soft pull: 1, 2,

Fort Bragg Federal Credit Union

  • Hard pull: 1,

Fort Financial Credit Union

  • No data points

Fort Worth Community Credit Union

  • Hard pull: 1, 2,

Found

  • Soft pull: 1,

Four Points Federal Credit Union

  • No data points

FNBO

  • Soft pull: 1,

FNCB

  • Unknown

Freedom Credit Union

  • Unknown

Freedom Federal Credit Union

  • Hard pull: 1,

Freedom First Credit Union

  • No data points

Fremont Bank

  • Soft pull: 1, 2,

Frontier Bank

  • Soft pull: 1,

Frontwave Credit Union

  • No data points

FSB Bank

  • No data points

Fulton Bank

  • Soft pull: 1, 2, 3,

Gain Federal Credit Union

  • No data points

Garden Savings Federal Credit Union

Unknown, if you have any data points then please let us know.

Gate City Bank

  • Soft pull: 1, 2,

Gateway First Bank

  • Soft pull: 1,

Gateway Metro Federal Credit Union

  • Soft pull: 1

Genisys Credit Union

  • Soft pull: 1, 2,

Georgia Banking Company (GBC)

  • Hard pull: 1 (Equifax), 2,
  • Soft pull: 1

Georgia’s Own Credit Union

  • Hard pull: 1 (according to CSR), 2, 3, 4, 5,

Gesa Credit Union

  • Soft pull: 1

Gibsland Bank

  • Soft pull: 1

Giftsforbanking

  • Unknown

Global Credit Union

  • Soft pull: 1,

GNO Federal Credit Union

  • No data points

GO Federal Credit Union

  • No data points

GOLD Credit Union

  • No data points

Go2Bank

  • Soft pull: 1,

Grasshopper

  • Soft pull: 1,

GR Consumers Credit Union

  • No data points

Greater Iowa Credit Union

  • Soft pull: 1,

Greater Nevada Credit Union

  • Soft pull according to CSR

Great Lakes Credit Union

  • Hard pull: 1

Great Plains Bank

  • No data points

Great River Federal Credit Union

  • Soft pull: 1,
  • Hard pull: 1, 2,

Great Southern Bank

  • Soft pull: 1

Green state Credit Union

  • Soft pull: 1,

Grove City Area Federal Credit Union

  • No data points

Grow Financial

  • Soft pull: 1,

GTE Financial

  • Hard pull: 1, 2, 3, 4, 5, 6,

Guardian Credit Union

  • No data points

Gulf Coast Bank & Trust Company

  • No data points

Gulf Coast Federal Credit Union

  • Hard pull: 1,

Hanmi Bank

  • Soft pull: 1, 2,

Hanscom Federal Credit Union

  • Soft pull: 1, 2,

HarborOne Bank

  • Soft pull: 1

Harborstone Credit Union

  • No data points

Harford Bank

  • No data points

HawaiiUSA Federal Credit Union

  • No data points

Hawthorn Bank

  • No data points

Heartland Bank

  • No data points

Heartland Credit Union

  • Hard pull: 1

Hercules First Federal Credit Union

  • No data points

Heritage Bank

  • Soft pull: 1, 2, 3

Heritage Bank NW

  • No data points

Heritage Bank of St. Tammany

  • No data points

Heritage Credit Union

  • Soft pull: 1, 2

Heritage Financial Credit Union

  • No data points

HeritageWest Credit Union

  • Soft pull: 1 (according to CSR)

Hibernia Bank

  • No data points

Highmark Federal Credit Union

  • No data points

Hills Bank

  • Hard pull: 1,

Hiway Federal Credit Union

  • Hard pull: 1 (equifax), 2, 3, 4,

Holyoke Credit Union

  • No data points

Home Federal Savings Bank

  • Soft pull: 1, 2, 3,

Home National Bank

  • No data points

Home Savings Bank

  • No data points

Home State Bank

  • No data points

HomeStreet:

  • Soft pull: 1, 2

Hometown Community Banks

  • Soft pull: 1

HomeTrust Bank

  • Soft pull: 1,

Honors Credit Union

  • Hard pull: 1, 2 (Transunion)

Hopewell Federal Credit Union

No data points

Horizon Bank

  • Soft pull: 1,

Horizon Credit Union (WA, ID, MT)

  • Hard pull: 1, 2, 3,
  • Hard pull according to CSR

Horizon Federal Credit Union

  • No data points

Houston Metropolitan Federal Credit Union

  • Soft pull: 1,

HSBC

  • Soft Pull: 1, 2
  • Chex inquiry: 1

Huntington Bank

  • Soft Pull: 1, 2, 3, 4, 5

Hudson River Community Credit Union (HRCCU)

  • No data points

Hudson Valley Federal

  • Soft pull: 1,

IBM Southeast FECU

  • Hard pull: 1

IBERIABANK

  • Soft pull according to rep and confirmed by this report

ICBC USA

  • Soft: 1

IC Federal Credit Union

  • No data points

Idaho Central Credit Union (ICCU)

  • Hard pull: 1,
  • Soft pull: 1,

Ideal Credit Union

  • Soft: 1 (according to CSR)

Illinois National Bank

  • No data points

Illinois State Credit Union

  • No data points

Incredible Bank

  • Soft pull: 1,

Independent Bank

  • Soft pull: 1,

Independent Financial

  • No data points

Indiana Members Credit Union

  • Hard pull: 1,

InFirst FCU

  • Hard pull: 1 (Experian)

InRoads Credit Union

  • No data points

Inspire Federal Credit Union

  • Hard pull: 1 (9/24/23)
  • Soft pull: 1,

Inspirus Credit Union

  • Hard pull: 1 (according to CSR)

Integrity Bank

  • Soft pull: 1

Interior Federal Credit Union

  • Hard pull: 1

Interra Credit Union

  • No data points

InTouch Credit Union

  • No data points

Investor Bank

  • Soft pull: 1, dw,

Iowa State Bank

  • Hard pull: 1, 2 (TransUnion),

Johnson Bank

  • Unknown, let us know in the comments.

Jovia Financial Credit Union

  • No data points

JSC Federal Credit Union

  • Soft pull: 1, 2,

Justice Federal Credit Union

  • Hard pull: 1, 2

Kabbage By AmEx

  • Soft Pull: 1,

KaiPerm

  • No data points

Kalsee Credit Union

  • No data points

Katahdin Trust Company

  • No data points

Kearny Bank

  • No data points

Keen Bank

  • No data points

Keesler Federal Credit Union

  • Hard pull: 1, 2,

Kemba Financial Credit Union

  • No data points

Kentucky Bank

  • No data points

KeyPoint Credit Union

  • Soft pull: 1,

Kinderhook Bank

  • Soft pull: 1,

Kinecta

  • Soft pull: 1

Kirkpatrick Bank

  • No data points

Kitsap Credit Union

  • Soft pull: 1,

KeyBank

  • Soft Pull: 1, 2 (Equifax), 3, 4

La Capitol Federal Credit Union

  • Hard pull: 1 (equifax)

Lafayette Federal Credit Union

  • Soft pull: 1, 2,

LA Financial Credit Union

  • No data points

 Lakeland Bank

  • Soft pull: 1, 2,

Lake Michigan Credit Union (LMCU)

  • Hard Pull (TransUnion): 1, 2,
  • Hard pull (Experian): 1,

Lake Ridge Bank

  • No data points

Lake Shore Savings

  • Soft pull: 1
  • ChexSystems: 1

Langley Federal Credit Union

  • Soft pull: 1,

La Loma Federal Credit Union

  • No data points

Landmark Credit Union

  • Soft pull: 1,

Land of Lincoln Credit Union

  • Hard pull: 1,
  • Soft pull: 1,

Las Colinas Federal Credit Union

  • No data points

Laurel Road

  • Soft pull: 1,

LBS Financial Credit Union

  • Soft pull: 1,

Leader Bank

  • Soft pull: 1

Ledyard Bank

  • Soft pull: 1,

Legacy Bank (KS)

  • No data points

LegacyTexas

  • No data points

LendingClub

  • Soft pull: 1 (via F.A.Q)

Level One Bank

  • Soft pull:  1 (via e-mail on June 26th, 2016), 2

LGE Community Credit Union

  • Soft pull: 1
  • Hard pull: 1, 2,

Liberty Bank

  • Unsure, please let us know in the comments.

Liberty Bank (CT, MA, RI)

  • Soft pull: 1, 2

Liberty Bank For Savings

  • Soft pull: 1
  • ChexSystems: 1

Liberty First Credit Union

  • Hard pull: 1 (Experian)

Liberty Savings Bank

  • Soft: 1, 2,

Lili Bank

  • Soft pull: 1,

Linn Area Credit Union

  • No data points

Live Oak Bank

  • Soft pull: 1 (business)

LM Federal Credit Union

  • No data points

Logix Credit Union

  • Hard pull: 1, 2, 3
  • Soft pull: 1 (newest dp), 2,

Lone Star National Bank

  • No data points

Long Game

  • No data points

LorMet Community Federal Credit Union

  • No data points

Los Angeles Federal Credit Union

  • Hard pull: 1

Lyons National Bank

  • Soft pull: 1,

Macatawa Bank

  • Soft pull: 1,

Magnolia Federal Credit Union

  • No data points

MainSource Bank

Mainstreet Credit Union

  • Hard pull: 1 (TransUnion)

Main Street Bank [of Michigan]

  • Soft pull: 1

Main Street Bank [of Virginia]

  • Soft pull: 1,

Mango Money

  • Soft pull: 1

Marathon Bank

  • No data points

Marcus Bank

  • Soft pull: 1,

Marine Bank

  • Soft pull: 1, 2,

MarketUSA Federal Credit Union

  • No data points

Marquette Bank

  • Soft pull: 1, 2
  • Hard pull: 1 (TransUnion)
  • Chex systems: 1

Mars Bank

  • No data points

Mazuma Credit Union

  • Soft pull: 1,

MAX Credit Union

  • No data points

MB Financial Bank

  • Soft pull: 1

Mcgraw-Hill FCU

  • Soft pull: 1

Mcfarland State Bank

  • No data points

MECU Credit Union

  • Hard pull: 1,
  • Soft Pull: 1,

Melrose Bank

  • Soft pull: 1

Members Choice Credit Union

  • Hard pull: 1,

Members Cooperative Credit Union

  • No data points

Members Source Credit Union

  • No data points

Member One Federal Credit Union

  • No data points

Memory Bank

  • Soft pull: 1, 2

Memphis City ECU (MCECU)

  • No data points

Mercer Savings Bank

  • No data points

Mercury

  • No data points

Meridian Bank

  • No data points

Meridian Trust Federal Credit Union

  • No data points

Meritrust Credit Union

  • No data points

Meriwest Credit Union

  • Hard pull: 1,
  • Soft pull: 1 (had opted out of overdaft), 2, 3, 4,

Metro Credit Union

  • No data points

Metro Credit Union (MA)

  • No data points

Metro Credit Union (NE)

  • No data points

Michigan Schools and Government Credit Union

  • Soft pull: 1, 2, 3,
  • Hard pull: 1 (in branch)

Middlesex Federal

  • Soft pull: 1,

Middlesex Savings Bank

  • Soft pull: 1, 2,

MIDFLORIDA CU

  • Hard pull for personal accounts: 1 (Experian)

MidFirst Bank

  • Soft pull: 1

Mid-Hudson Valley Federal Credit Union

  • No data points

Midland States Bank

  • Soft pull: 1,

Mid Minnesota Federal Credit Union

  • No data points

Mid Penn Bank

  • Hard pull: 1,
  • Soft pull: 1, 2

MidUSA Credit Union

  • No data points

Midwest Bank

  • No data points

MidWestOne Bank

  • Soft pull: 1, 2,

Midwest Regional Bank

  • Soft pull: 1

Minnwest Bank

  • Soft pull: 1, 2,

Mint Valley Federal Credit Union

  • No data points

Mission Federal Credit Union

All recent datapoints seem to show a soft pull

  • Soft pull: 1, 2,
  • Hard pull: 1, 2 (via e-mail on 2/8/20)

Missouri Credit Union

  • Hard pull: 1

Mobiloil Credit Union

  • No data point

MoneyLion

  • Soft pull: 1 (app says applying won’t affect your credit score)

Monifi

  • Soft pull: 1,

Monona Bank

  • Soft pull: 1,

Monroe Bank & Trust (MBT)

  • Soft pull: 1

Monson Savings

  • No data points

Montgomery County EFCU

  • Hard pull: 1 (Equifax)

Mountain America Credit Union

  • Hard pull on Experian: 1, 2, 3,
  • Soft pull: 1, 2, 3,

MountainOne

  • Soft pull: 1

mph.bank

  • Soft pull: 1,

MSUFCU

  • Soft pull: 1,

My Banking Direct

  • Soft: 1 (CSR), 2

My eBanc

  • Soft pull: 1,

MySavingsDirect

  • Soft pull: 1,

Muncipal Credit Union

  • Soft pull: 1,

Mutual Bank

  • No data points

Mutual Security Credit Union

  • No data points

MVB Bank

  • Soft pull: 1

MyUSA Credit Union

  • Soft pull: 1,

M&F Bank

  • No data points

M&T Bank

  • Soft Pull: 1, 2 (they pull your report for each account)

M1 Finance

  • No data points

NASA Federal Credit Union

  • Soft pull: 1, 2,
  • Hard pull: 1

NASB

  • No data points

Nassau Financial Federal Credit Union

  • No data points

Nationwide Bank

  • Soft pull: 1, 2

Note: You must not opt in for overdraft protection, otherwise a hard pull will be done.

Navy Federal Credit Union

More information on how this works in this post.

  • Hard pull: 1, 2, 3
  • Soft pull: 1, 2,

NBC Oklahoma

  • Soft pull: 1,

Nearside

  • Soft pull: 1,

Neighborhood Credit Union

  • Hard pull: 1, 2, 3

Neighbors Credit Union

  • No data points

Nevada State Bank

  • Soft pull: 1

New Buffalo Savings Bank

  • Soft pull: 1

Newton Federal Bank

  • Soft pull: 1

Newtown Savings Bank (NSB)

  • Soft pull: 1

Nexus

  • No data points

North Brookfield Savings Bank

  • No data points

North Community Bank

  • Unknown

Northeast Credit Union

  • Soft pull: 1

NorthOne Bank

  • Soft pull: 1, 2,

Northern Paper Milles (NPM)

  • No data points

Northern Skies FCU

  • No data points

Northfield Bank

  • Hard pull: 1,
  • Soft pull: 1, 2, 3,

Northpointe

  • Soft Pull: 1

North Shore Bank

  • Soft pull

North Shore Bank (MA)

  • No data points

North Shore Bank of Commerce

  • Soft pull: 1 (according to rep), 2

North Shore Community Bank

  • No data points

North Star Credit Union

  • No data points

North State Bank

  • No data points

Northwest Bank

  • Soft pull: 1

Northwest Bank (PA)

  • No data points

Northwest Bank of Rockford

  • No data points

Northwest Federal Credit Union

  • Soft pull: 1,

Northwest Savings Bank

Select “No” for overdraft protection to avoid hard pull

  • Soft Pull: 1
  • Chex Inquiry:

Notre Dame Federal Credit Union

  • No data points

NWSB Bank

  • No data points

Numerica Credit Union

  • Soft pull: 1,

Nutmeg Credit Union

  • Hard pull: 1

NuVision Federal Credit Union

  • Soft Pull: 1
  • Chex Inquiry: 1

NVE Bank

  • No data points

NYCB Family Of Banks

  • Soft pull: 1,

NWFCU

  • Soft pull: 1

Oakland University Credit Union

  • No data points

OakStar Bank

  • No data points

Ocean First Bank

  • Soft Pull: 1, 2,

Old Hickory Credit Union

  • Hard pull: 1,

Old Missouri Bank

  • Soft: 1 (via e-mail on 02/20/17)

Old National Bank

  • Soft pull: 1

Old Second Bank

  • Soft pull: 1

Oklahoma’s Credit Union

  • No data points

OMNI Community Credit Union

  • Hard pull: 1, 2,

One American Bank

  • Soft pull: 1,

One Finance

  • Soft pull: 1,

One Nevada Credit Union

  • Soft according to CSR: 1

OneWest Bank

  • Soft pull: 1

This is also a division of CIT Bank and they are a soft pull.

OnPoint Community Credit Union

  • Soft pull: 1,

On Tap Credit Union

  • Hard pull: 1,
  • Soft pull: 1, 2,

Option 1 Credit Union

  • Hard pull: 1

Orange County Credit Union

  • Soft pull: 1

Origin Bank

  • Soft pull: 1,

Orion Federal Credit Union

  • Hard pull: 1 (Equifax), 2 (Equifax, via e-mail on 10/12/18), 3, 4,
  • Soft pull: 1 (9/15/19 via e-mail)

Oritani Bank

  • Unknown

Orlando Credit Union

  • Soft pull: 1,

OUR Credit Union

  • Hard pull: 1,

Oxygen

  • No data points

P1FCU

  • Soft pull: 1,

Pacific Service Credit Union

  • Unknown

Palisades Credit Union

  • No data points

Paradise Valley Federal Credit Union

  • No data points

Park National Bank

  • No data points

Parke Bank

  • Soft pull: 1,

Parkside Credit Union

  • Soft pull: 1
  • ChexSystems: Yes
  • EWS: No

Partner Colorado Credit Union

  • Hard pull: 1

Patelco Credit Union

  • Soft pull: 1 (without overdraft protection), 2, 3, 4
  • Hard pull: 1 (with overdraft protection)

Pathfinder Bank

  • No data points

Pathways Financial Credit Union

  • Hard pull: 1
  • Soft pull: 1,

Patriot Bank

  • Soft pull: 1,

Pelican State Credit Union

  • Hard pull (equifax): 1, 2
  • Soft pull: 1, 2,

Penn East Federal Credit Union

  • No data points

People Driven Credit Union

  • Soft pull: 1,

PenFed

Conflicting reports on hard or soft. It seems that it’s a soft pull to join and open an account, provided you OPT OUT of overdraft protection (1).

  • Soft pull: 1, 2, 3, 4, 5, 6, 7, 8,
  • Hard pull: 1 (report was frozen at first), 2

Peninsula Federal Credit Union

  • Hard pull: 1 (Equifax)

Penn Community Bank

  • Soft pull: 1, 2,

Pentucket Bank

  • Soft pull: 1,

People First Federal Credit Union

  • Soft pull: 1,

PeoplesBank (Bankatpeoples)

PeoplesBank

  • Soft pull: 1

Peoples Bank (LA)

  • No data points

Peoples Bank (WA)

  • No data points

Peoples Bank (ibankpeoples IL, IN)

  • No data points

Peoples Credit Union

  • Soft pull: 1

Peoples United Bank

  • Soft pull: 1, 2

Philadelphia Federal Credit Union

  • No data points

Picatinny Credit Union

  • Soft pull: 1 (via e-mail in 2019)

Pikes Peak Credit Union

  • No data points

Pima Federal Credit Union

  • No data point

Pinnacle Bank

  • Soft pull: 1, 2

Pinnacle Financial Partners

  • Soft pull: 1,

Pioneer Valley Credit Union

  • No data points

Pittsfield Coop Bank

  • Soft pull:1,

Point Breeze Credit Union

  • No data points

Polam Federal Credit Union

  • No data points

Polish National Credit Union

  • No data points

Polish American Credit Union

  • No data points

Ponce Bank

  • No data points

Popular Bank

  • Soft Pull: 1, 2

Popular Direct

  • Soft pull: 1,

Porte Bank

  • Soft pull: 1 (sent out via e-mail 9/23)

Portland Federal Credit Union (PFCU)

  • Soft pull: 1,

Power Financial Credit Union

  • Soft pull: 1
  • Hard pull: 1, 2, 3,

PNC

  • Soft Pull: 1, 2, 3
  • Chex Inquiry: 1, 2

Preferred Credit Union

  • Hard pull: 1

Premier America Credit Union

  • Soft pull: 1, 2

Premier Bank – OH

  • Soft pull: 1,

Premier Members Credit Union

  • Soft pull: 1 (via e-mail on 10/15/17), 2, 3, 4,
  • Hard pull: 1

Presidential Bank

  • Soft pull: 1, 2

Prestige Community Credit Union

  • No data points

Primis Bank

  • Soft pull: 1, 2,

PriorityONE Credit Union of Florida

  • No data points

PrizePool

  • Soft pull: 1,

ProFed Credit Union

  • No data points

Progressive Bank

  • No data points

Progessions Credit Union

  • No data points

Provident Bank

  • Soft pull: 1, 2,

Provident Credit Union

  • Hard pull for membership: 1
  • Soft Pull For Checking: 1, 2, 3, 4,

Proviso Community Bank

  • No data points

PSE Credit Union

  • No data points

PSECU

  • Hard pull: 1, 2, 3, 4, 5, 6, 7, 8, 9,
  • Soft pull: 1, 2,

Public Employees Credit Union (PECU)

  • No data points

Public Services Credit Union

Hard pull: 1

Public Service Credit Union (IN)

  • No data points

Pulaski Bank

  • No data points

Purdue Federal Credit Union

  • Soft pull: 1,

PurePoint Financial

  • Soft pull: 1 (sent via e-mail on 07/04/18)

Putnam Bank

  • No data points

PyraMax Bank

  • No data points

Quad City Bank & Trust

  • No data points

Quontic Bank

  • Soft pull: 1,

Quorum Federal Credit Union

  • Hard pull (Equifax), for new membership: Reps will tell you this is done, but I haven’t seen any hard datapoints that it actually is
  • Soft pull: 1, 2 3, 4, 5,

Radius Bank

  • Soft pull: 1

Randolf Savings Bank

  • No data points

Reading Cooperative Bank

  • No data points

Real Peoples Bank

Unsure, let us know in the comments.

Red Canoe Credit Union

  • No data points

Red Rocks Credit Union

  • Hard pull: 1 (according to csr), 2,

Redstone Federal Credit Union

  • Hard pull: 1 (Experian)
  • Soft pull: 1, 2, 3, 4,

Redwood Credit Union

  • Soft pull: 1 (via e-mail on 1/28/24)

Regions Bank

  • Soft pull: 1, 2, 3, 4
  • Chex Inquiry: 1

Reliabank

  • No data points

Reliance Bank

  • No data points

Reliant Bank

  • Soft pull: 1,

Reliant Community Credit Union

  • Soft pull: 1

Republic Bank

  • Soft pull: 1, 2,

Republic Bank (IL only)

  • No data points

Republic Bank (NY)

  • Soft pull: 1,

Resource One Credit Union

  • Soft pull: 1,

Revolut

  • Soft pull: 1,

Ridgewood Savings Bank

  • Soft pull: 1

Rivermark Community Credit

  • Hard pull: 1, 2, 3,
  • Soft pull: 1,

River Valley Credit Union

  • No data points

Riverview Bank

  • No data points

RPT Federal Credit Union

  • No data points

Rockland Trust Bank

  • Soft pull: 1,

Rollstone Bank & Trust

  • No data points

Rosedale Federal Savings & Loan Association

  • No data points

Royal Bank America

  • No data points

Route 31 Credit Union

  • No data points

Royal Credit Union

  • Soft pull: 1,

Sacramento Credit Union

  • Soft pull: 1, 2,
  • Hard pull: 1,

SAFE Credit Union

  • Hard pull: 1 (TransUnion)
  • Soft pull: 1, 2, 3, 4,

Salal Credit Union

  • Soft pull: 1,

Salem Five Bank

  • Hard pull (Equifax): 1, 2, 3, 4 (recent dp via e-mail on 07/07/18), 5, 6, 7, 8, 9, 10, 11, 12, 13, 14,
  • Soft pull: 1 (recent DP), 2,
  • Chex Inquiry: 1

Sallie Mae High-Yield Savings Account

  • Soft pull: 1

Sandy Spring Bank

  • Soft pull: 1

San Mateo Credit Union

  • Soft pull: 1
  • Hard pull: 1 (in branch)

Santander

  • Soft Pull: 1, 2, 3,

Saratoga National Bank

  • No data points

Sauk Valley Bank

  • No data points

Savings Bank of Danbury

  • Soft pull: 1

Sawyer Savings Bank

  • No data points

SB1 Federal Credit Union

  • Unknown

Scient Federal Credit Union

  • No data points

Scott Credit Union

  • Hard pull: 1 (TransUnion, sent in via e-mail on 1/16/19)

Seacoast Bank

  • Soft pull: Confirmed via chat

SECNY Federal Credit Union

  • No data points

Security Bank of Crawford

  • Soft pull: 1, 2,

Selco Community Credit Union

  • Hard pull: data point via e-mail

Select Bank & Trust

  • No data points

SENB Bank

  • Soft pull: 1 (sent in via e-mail on 02/01/18)

Service 1st Federal Credit Union

  • Soft pull: 1,

Service Credit Union

  • Soft pull: 1,

SF Fire Credit Union

  • Soft pull: 1,

Sharepoint Credit Union

  • Hard pull: 1,

Sharonview

  • Hard pull: 1

Signature Federal Credit Union

  • Soft pull: 1, 2
  • Hard pull: 1,

Simmons Bank

  • No data points

Simsbury Bank

  • No data points

Simple Bank

  • Soft Pull: 1

Signature Bank of Georgia

  • Soft pull: 1 (according to CSR), 2, 3

SkyOne Federal Credit Union

  • Soft pull: 1,

SLFCU

  • Soft pull: 1,

Solvay Bank

  • Soft pull: 1

Sound Credit Union

  • Soft pull: 1

SouthEast Bank

  • Soft pull: 1, 2, 3,

Southeastern Credit Union

  • No data points

South East National Bank

  • No data points

Southern Bank

  • No data points

Southland Credit Union

  • Soft pull: 1,

South Shore Bank

  • Soft pull: 1,

Southside Bank

  • No data points

SouthStar Bank

  • No data points

South State Bank

  • Soft pull: 1
  • Hard pull: 1,

Southwest 66 Credit Union

  • No data points

Space Age Federal Credit Union

  • No data points

Space Coast Credit Union

  • No data points

Spartan Federal Credit Union

  • No data points

SPCO Credit Union

  • Soft pull: 1,

Spiral

  • Soft pull: 1,

Spire Credit Union

Customer service representatives state it’s a hard pull with Equifax, let us know if you have personal experience.

Spokane City Credit Union

  • No data points

SSFCU (Security Service Federal Credit Union)

  • Soft pull: 1, 2

S&T Bank

  • Soft pull: 1

Star Bank

  • Soft pull: 1,

Starion Bank

  • Soft pull: 1,

Stark Federal Credit Union

  • No data points

State Bank of Bement

  • No data points

State Bank Of Cross Plains

  • No data points

State Bank Of India (California)

  • Soft pull: 1,

State Department Federal Credit Union

  • Hard pull: 1

State Employees Credit Union (SECU) Of Maryland

  • Soft pull: 1

State Security Bank

  • No data points

Stanford Federal Credit Union

  • Soft pull: 1

St. Anne’s Credit Union

  • No data points

Star One Credit Union

  • Soft pull according to CSR and confirmed by readers: 1

Star of Texas Credit Union

  • No data points

STCU (Spokane Teachers Credit Union)

  • Hard pull: 1, 2,

Step App

  • Soft pull: 1,

Sterling National Bank

  • Soft pull: 1,

St. Mary’s Bank

  • Soft pull: 1,

St Mary’s Credit Union

  • No data points

Stock Yards Bank & Trust

  • No data point

Stoneham Bank

  • Soft pull: 1

St Paul Federal Credit Union

  • Hard pull: 1

Streator Onized Credit Union (SOCU)

  • No data points

Sturdy Savings Bank

  • No data points

Suburban Bank & Trust (SBT)

  • Unknown

Suffolk Credit Union

  • No data points

Suffolk Federal Credit Union

  • No data points

Summit Credit Union

Summit Federal Credit Union

  • Soft pull: 1,

Sun Canyon Bank

  • Soft pull: 1,

Suncoast Credit Union

  • Soft pull: 1,

Sun Commnity Federal Credit Union

  • No data points

Sun East Federal Credit Union

  • Soft pull: 1

Sunflower Bank

  • Soft pull: 1,

Sunmark Credit Union

  • No data points

Sun National Bank

  • No data points

Suntrust

  • Soft pull: 1, 2
  • Chex inquiry: 1

SunWest Credit Union

  • No data points

Superior Credit Union

  • No data points

Susquehanna Community Bank

  • Soft pull: 1,

Synovus Bank

  • Soft pull: 1

Sweet Home Federal Credit Union

  • No data points

TAB Bank

  • Soft pull: 1, 2, 3,

Talmer Bank & Trust

  • Soft pull: 1

Taunton Federal Credit Union

  • No data points

TBK Bank

  • Soft pull: 1,

TCF Bank

  • Soft pull: 1

Teachers Credit Union

  • Soft pull: 1, 2,

Teachers Federal Credit Union

  • Soft pull: 1,

Texans Credit Union

  • Soft pull: 1

TD Bank

  • Soft pull: 1

Tech CU

  • Soft: 1, 2, 3

TEG Federal Credit Union

  • No data points

Telco Community Credit Union

  • No data points

Telhio Credit Union

  • Soft pull: 1,
  • Hard pull (Equifax): 1

Texas Capital Bank

  • Soft pull: 1,

Texas Trust Credit Union

  • Hard pull: 1,

Texell Credit Union

  • Unknown

The Bank Of Denver

  • Soft pull: 1,

The Bank of Princeton

  • Soft pull: 1,

TIAA Direct

  • Hard pull: 1, 2, 3, 4 (double pull Equifax & TransUnion). These are old data points, it’s now a soft pull.
  • Soft pull: 1, 2, 3, 4

TLC Community Credit Union

  • Hard pull: 1,

T-Mobile Money

  • Soft pull: 1, 2,

Tobyhanna

  • Hard pull: 1

Tompkins VIST Bank

  • Soft pull: 1

Toro Credit Union

  • No data points

Torrington Savings Bank

  • No data points

Tower Federal Credit Union

  • No data points

Town Bank

  • Soft pull: 1 (sent in via e-mail on 09/23)

Town and Country Bank

  • Soft pull: 1

TDECU

  • Hard pull: 1, 2, 3, 4, 5,
  • Soft pull: 1, 2, 3, 4,

The Columbia Bank

  • No data points

The Cooperative Bank

  • No data points

The County Federal Credit Union

  • No data points

The First State Bank

  • No data points

The State Bank Group

  • Soft pull: 1, 2, 3,

The Union Bank Co

  • No data points

ThinkBank

  • No data points

Thomaston Savings Bank

  • No data points

Thrivent Federal Credit Union

  • Soft pull: 1,

Trademark Federal Credit Union

  • No data points

Traditional Bank

  • No data points

Traditions Bank

  • Soft pull: 1,

Transcend Credit Union

  • No data points

Travis Credit Union

  • Soft pull: 1,

TruChoice Federal Credit Union

  • Soft pull: 1,

TrueCore Federal Credit Union

  • No data points

Truist

  • No data points

Truity Credit Union

  • Hard pull: 1

Truliant Federal Credit Union

  • No data points

TruPartner Credit Union

  • No data points

TrustCo Bank

  • Soft pull: 1

TruMark

  • Soft pull: 1, 2,
  • Hard pull: 1, 2

TruStone Financial

  • Soft pull: 1, 2, 3, 4,
  • Hard pull: 1

TruWest Credit Union

  • Hard pull: 1 (experian), 2 (experian)

TTCU (Formerly Tulsa Teachers Credit Union)

  • Soft pull: 1,

Tulsa Federal Credit Union

  • No data points

Tyndall Federal Credit Union

  • Soft pull: 1,

TwinStar Credit Union

  • Hard pull: 1

UFB Direct

  • Soft pull: 1

UFirst Credit Union

  • No data points

Ulster Savings Bank

  • No data points

UMB Bank

  • No data points

Umpqua Bank

  • Soft pull: 1,

UNFCU

  • Soft pull: 1

UniBank

  • No data points

Unify

  • Soft pull: 1, 2,

Union Plus Prepaid

  • Soft pull (this is even confirmed on the home page, see picture below)

Union Bank

  • Soft pull: 1, 2

Union Bank & Trust (NE & KS)

  • Soft pull: 1 (via e-mail on 1/11/2020)

Union Bank & Trust (VA, MD, NC)

Now called Atlantic Credit Union

  • Soft pull: 1, 2,

Union Community Bank

  • Soft pull: 1

Union Savings Bank

  • Soft pull: 1,

Union Square Credit Union

  • Soft pull: 1,

United Bank

  • No data points

United Community Bank (UCB)

  • No data points

United Community Bank (NC, TN, SC, GA)

  • No data points

United Federal Credit Union

  • Soft pull: 1,

United Financial Credit Union

  • No data points

United Heritage Credit Union

  • Soft pull: 1,

United Roosevelt Savings Bank

  • Soft pull: 1,

United States Senate Federal Credit Union

  • Soft pull: 1, 2,

Unitus Community Credit Union

  • Soft pull: 1 (Equifax & TransUnion), 2

Unity Bank

  • Soft pull: 1 (via e-mail on September 10th, 2017)

Unity One Credit Union

  • No data points

Univest

  • Soft pull: 1
  • Hard pull: 1, 2

University Credit Union

  • Soft pull: 1, 2,

University Federal Credit Union

  • Soft pull: 1,

University of Kentucky Federal Credit Union

  • No data points

U of I Community Credit Union

  • Soft pull: 1,

Upgrade

  • Soft pull: 1,

USAA

  • No data points

US Alliance Financial

  • Soft pull: 1, 2,

USC Credit Union

US Community Credit Union

  • No data points

US Bank

  • Soft pull: 1
  • Chex inquiry: 1

USE Credit Union

  • Soft pull: 1, 2, 3,
  • Hard pull: 1,

USF Federal Credit Union

  • Hard pull: 1,

US #1364 Federal Credit Union

  • No data points

Utah First

  • Hard pull: 1,

U$X Federal Credit Union

  • No data points

Wakefield Co-operative Bank

  • No data points

Walden Savings Bank

  • No data points

Wallet by Boss Money

  • Soft pull: 1,

Washington Mutual

  • Soft pull: 1
  • Chex inquiry: 1

Washington Savings Bank

  • Soft pull: 1,

Washington Trust

  • No data points

Watertown Savings Bank

  • Soft pull: 1,

Water And Power Community Credit Union (WPCU)

  • No data points

WaterStone Bank

  • Soft pull: 1,

Waukesha State Bank

  • No data points

Wealthfront

  • Soft pull: 1,

Webster Bank

  • No data points

WECU

  • Hard pull: 1,
  • Soft pull: 1, 2,

We Florida Financial

  • No data points

Wellesley Bank

  • No data points

Wells Fargo

  • Soft Pull: 1, 2, 3
  • Soft Pull (Business): 1, 2,
  • Chex Inquiry: 1

Weokie Federal Credit Union

  • No data points

WesBanco

  • Soft Pull: 1

Wescom Credit Union

  • Soft pull: 1,

Westbury Bank

  • No data points

Western State Bank

  • Soft pull: 1,

Western Vista Credit Union

  • Hard pull: 1 (when becoming member),2,

Westerra Credit Union

  • Hard pull: 1,
  • Soft pull: 1,

WestField

  • Soft: 1 (according to CSR)

Westfield Bank (OH)

  • Soft pull: 1,

Westfield Bank, FSB

  • Unknown

WestTown Bank & Trust

  • Unknown

Whitney Bank

  • Soft Pull: 1 (via e-mail on November 15th, 2015)

Widget Financial

  • No data points

Wilson Bank & Trust

  • Soft pull: 1 (via e-mail on 7/20/19), 2,

Winden

  • Soft pull (home page says no credit check)

Wings Financial Credit Union

  • Hard pull: 1, 2,
  • Soft pull: 1, 2, 3, 4,

WinTrust Bank

  • Soft pull: 1,

Woori America Bank

  • Soft pull: 1,

WyHy FCU

  • Hard pull: 1 (via e-mail on 4/11/18)

Wysh

  • Soft pull: 1,

Valley Bank

  • Unknown

Valley First Credit Union

  • No data points

Valley Nation Bank

  • Soft pull: 1

ValleyStar Credit Union

  • No data points

Valley Strong Credit Union

  • Soft pull: 1 (7/26/22)

VantageWest

  • Soft pull: 1,

Varo Money

  • Soft pull: 1, website also states no credit check is done

Vectra Bank

  • No data points

Verity Credit Union

  • Soft pull: 1 (07/07/18 via e-mail), 2,

Vibrant Credit Union

  • Hard Pull (TransUnion, also this is when opening a credit card account that is required for current bonus): 1

Vinton County

  • Unknown, let us know in the comments

Vio Bank

  • Soft pull: 1

Virginia Credit Union

  • Soft pull: 1,

Visions Federal Credit Union

  • Soft pull: 1,

VyStar Credit Union

  • Soft pull: 1, 2,

Xceed Financial Credit Union

  • Soft pull: 1,

Yolo Federal Credit Union

  • No data points

Zeal Credit Union

  • Unknown

ZYNLO Bank

  • No data points

 

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233 Comments
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oldest most voted

anon
anon (@guest_1927847)
October 7, 2024 23:31
#1927847

Denied at Valley Bank. Was told denial was due to Chex check.

0
Reply
A
A (@guest_1876723)
July 17, 2024 23:11
#1876723

Denied Bank of America for EWS. Too many recent inquiries/length of relationship with multiple banks. There was a comment about “due to number of returned checks in last 30 days” but there shouldn’t be anything like that on my report.

0
Reply
Teddy_P93
Teddy_P93 (@guest_1829871)
April 12, 2024 10:00
#1829871

Finex Credit Union: Hard pull. Confirmed with staff.

0
Reply
Really
Really (@guest_1822375)
March 29, 2024 13:08
#1822375

Where is/are the definitions of each in stone? Has ANYONE seen the genesis of these phony definitions?

0
Reply
Summer
Summer (@guest_1816893)
March 20, 2024 03:57
#1816893

Is this a hard pull or a soft pull? Can other people please add your datapoints?

0
Reply
007
007 (@guest_1816902)
March 20, 2024 04:48
#1816902
  Summer

Did you mean to reply to a comment about a specific bank or credit union?

0
Reply
Summer
Summer (@guest_1816922)
March 20, 2024 08:18
#1816922
  007

oh sorry i thought this was the Florida Credit Union post

0
Reply
007
007 (@guest_1816938)
March 20, 2024 09:00
#1816938
  Summer

No worries. Wanted to make sure your question gets answered.

0
Reply
Wavy
Wavy (@guest_1813816)
March 14, 2024 15:44
#1813816

First Northern Credit Union (IL) pulls Transunion and Chex for deposit accounts.

0
Reply
Wavy
Wavy (@guest_1812548)
March 12, 2024 13:27
#1812548

Encurage Financial Network Credit Union (previously First Financial Credit Union) is no longer a HP for new memberships per email. Pulls chex

0
Reply
Gold
Gold (@guest_1797785)
February 14, 2024 18:26
#1797785

Communications Federal Credit Union is an HP. Was about to join but it says that they will check your credit. Called in and confirmed it would’ve been a hard pull. Sucks bc they accept CC funding.

0
Reply
Scorp
Scorp (@guest_1765864)
December 27, 2023 11:36
#1765864

MCCU – Members Choice Credit Union – Hard pull – Equifax – Multiple products can be applied for with the same pull if at location in person.

0
Reply
JP
JP (@guest_1756767)
December 12, 2023 11:56
#1756767

Hard pull for Associated Healthcare Credit Union

0
Reply