One of the main limits to signing up for bank account bonuses is the fact that they usually pull your ChexSystems report, this is similar to your credit report that is maintained by Experian/Equifax/TransUnion but tracks deposit accounts instead. Some banks & credit unions won’t allow you to open an account if you have too many new accounts on your Chexsystems report, but not all financial institutions look at your ChexSystems report and these won’t show up. I thought it would be useful to have a dedicated page to this.
The easiest way to find out what financial institutions do/don’t pull your ChexSystems is by requesting a free copy of your report and then comparing that to the accounts you’ve signed up for recently. If you do this, please share your results in the comments.
Contents
- 1 Banks & Credit Unions That Do Pull Your ChexSystems
- 1.1 1st Source
- 1.2 1st United
- 1.3 Abound FCU
- 1.4 Achieva Credit Union
- 1.5 Affinity Credit Union
- 1.6 Air Academy Credit Union
- 1.7 Alden Credit Union
- 1.8 All America Bank
- 1.9 Alliant
- 1.10 Ally
- 1.11 Amalgamated
- 1.12 Amerant Bank
- 1.13 American Eagle
- 1.14 Andigo Bank
- 1.15 Andrews Federal Credit Union
- 1.16 Arizona Central Credit Union
- 1.17 Arkansas Federal Credit Union
- 1.18 Arvest
- 1.19 Astoria
- 1.20 Atlantic Credit Union
- 1.21 Avidia Bank
- 1.22 Axos Bank
- 1.23 Bancorp South
- 1.24 Bank of Greene County
- 1.25 Bank of Maine
- 1.26 Bank Of The West
- 1.27 BankMutual
- 1.28 Bank OZK
- 1.29 BB&T
- 1.30 Bethpage
- 1.31 BMO Harris
- 1.32 Bank of Colorado
- 1.33 Bank of Denver
- 1.34 Bank of the West
- 1.35 BankPurely
- 1.36 Bar Harbor Bank & Trust
- 1.37 Bask Bank
- 1.38 BECU
- 1.39 Blue Federal Credit Union
- 1.40 Blue Foundry Bank
- 1.41 Blue Hills Bank
- 1.42 BlueVine
- 1.43 BluPeak
- 1.44 BrightStar Credit Union
- 1.45 Brio Direct
- 1.46 Busey Bank
- 1.47 Byline Bank
- 1.48 Cambridge Savings Bank
- 1.49 Camden National Bank
- 1.50 Carver Federal Savings Bank
- 1.51 CBT Bank
- 1.52 CEFCU
- 1.53 Centennial Bank & Trust
- 1.54 Centier Bank
- 1.55 Central Bank of Oklahoma
- 1.56 Central Bank of the West
- 1.57 Century Bank
- 1.58 Chartway Federal Credit Union
- 1.59 Chemical
- 1.60 Chesapeake Bank
- 1.61 Christian Community Credit Union (CCCU)
- 1.62 CIBC
- 1.63 CIBM Bank
- 1.64 CIT Bank
- 1.65 Citi
- 1.66 City National Bank
- 1.67 Citywide
- 1.68 Clearview Credit Union
- 1.69 Climate First Bank
- 1.70 Clinton Savings Bank
- 1.71 Columbia Bank (NJ)
- 1.72 Columbia Bank (MD)
- 1.73 Comerica Bank
- 1.74 Commerce Bank
- 1.75 Costumers Bank
- 1.76 Country Bank For Savings
- 1.77 Credit Union Of Colorado
- 1.78 Customers Bank
- 1.79 Dedham Savings Bank
- 1.80 Del Norte Credit Union
- 1.81 Digital Federal Credit Union (DCU)
- 1.82 Dollar Bank
- 1.83 Dollar Savings Direct
- 1.84 E*Trade
- 1.85 Eagle Federal Credit Union
- 1.86 East Boston Savings Bank
- 1.87 Eastern Bank
- 1.88 Eastman Savings Bank
- 1.89 Elements Financial
- 1.90 Elevations Credit Union
- 1.91 ENT Credit Union
- 1.92 Essex Bank
- 1.93 Liberty Federal Credit Union (Evansville Teachers Federal Credit Union)
- 1.94 Excite Credit Union
- 1.95 Fairwinds Credit Union
- 1.96 Farmers Insurance Federal Credit Union
- 1.97 Fidelity Bank (PA)
- 1.98 Fidelity Bank (MA/Online)
- 1.99 Fidelity (Cash Management)
- 1.100 Fidelity
- 1.101 Financial Builders Credit Union
- 1.102 Fifth Third
- 1.103 First Advantage Bank
- 1.104 First American Bank
- 1.105 FirstBank
- 1.106 First Bank Financial Center
- 1.107 First Bank & Trust
- 1.108 First Citizens Bank
- 1.109 First Class Community Credit Union
- 1.110 First Commerce Credit Union
- 1.111 First Commonwealth Federal Credit Union
- 1.112 First Federal Of Lakewood
- 1.113 First Financial Bank
- 1.114 First Financial Credit Union
- 1.115 First Horizon Bank
- 1.116 First Merchants Bank
- 1.117 First Midwest Bank
- 1.118 First National Bank
- 1.119 First National Bank of Long Island
- 1.120 First National bank of Omaha (FNBO)
- 1.121 First National Bank of PA
- 1.122 First National Bank & Trust (WI)
- 1.123 First National Bank of Waterloo
- 1.124 First Niagara
- 1.125 First Republic Bank
- 1.126 First Tech Federal Credit Union
- 1.127 First Tennessee
- 1.128 First Trade Union Bank
- 1.129 First United Bank
- 1.130 Fitsimons Credit Union
- 1.131 Five Star Bank
- 1.132 Flagstar Bank
- 1.133 Flushing Bank
- 1.134 Florida Community Bank
- 1.135 Forcht Bank
- 1.136 Found
- 1.137 Fulton Bank
- 1.138 Gateway First Bank
- 1.139 Goldman Sachs Bank
- 1.140 Great River Federal Credit Union
- 1.141 Grow Financial Credit Union
- 1.142 GTE Financial Credit Union
- 1.143 Gulf Coast Bank & Trust
- 1.144 Hanscom Federal Credit Union
- 1.145 HarborOne Bank
- 1.146 HarborStone Credit Union
- 1.147 Healthcare Associates Credit Union
- 1.148 Home Federal Bank Tennessee
- 1.149 Home Savings Bank
- 1.150 HomeStreet Bank
- 1.151 Hometown Community Banks
- 1.152 HomeTrust Bank
- 1.153 Hudson Valley
- 1.154 Iberia Bank
- 1.155 Ideal Credit Union
- 1.156 Investors Bank
- 1.157 Jovia
- 1.158 Justice Federal Credit Union
- 1.159 Keen Bank
- 1.160 KeyBank
- 1.161 Keypoint
- 1.162 Lakeland Bank
- 1.163 Lake Shore Savings
- 1.164 LBS Financial Credit Union
- 1.165 Leader Bank
- 1.166 LegacyTexas Bank
- 1.167 Liberty Bank For Savings
- 1.168 Lyons National Bank
- 1.169 Macatawa
- 1.170 Marquette Bank
- 1.171 Memory Bank
- 1.172 Middlesex Federal Credit Union
- 1.173 MidFirst Bank (Monifi)
- 1.174 Midland States Bank
- 1.175 Mission Federal Credit Union
- 1.176 MoneyLion
- 1.177 Monona Bank
- 1.178 Mountain America Credit Union
- 1.179 My Banking Direct
- 1.180 MyUSA
- 1.181 Nationwide Bank
- 1.182 NBKC Bank
- 1.183 Neighborhood Credit Union
- 1.184 Nevada State Bank
- 1.185 Newtek Bank
- 1.186 Newtown Savings Bank
- 1.187 NJCU FCU
- 1.188 NWFCU
- 1.189 North Easton Savings Bank
- 1.190 Northern Bank Direct
- 1.191 Northfield Bank
- 1.192 Northpointe Bank
- 1.193 Northstate Bank
- 1.194 Northwest Bank
- 1.195 Northwest Federal Credit Union
- 1.196 NRLFCU
- 1.197 NuVision Federal Credit Union
- 1.198 OceanFirst
- 1.199 Old National Bank
- 1.200 Old Second Bank
- 1.201 OneWest Bank
- 1.202 Onpoint Community Credit Union
- 1.203 Orange County Credit Union
- 1.204 Orion Federal Credit Union
- 1.205 PayPal
- 1.206 Parkside Credit Union
- 1.207 Pathways Financial Credit Union
- 1.208 Penn Community Bank
- 1.209 Peoples Bank
- 1.210 People’s United Bank
- 1.211 Picatinny Federal Credit Union
- 1.212 Pinnacle Bank
- 1.213 Pittsfield Coop Bank
- 1.214 Popular Community Bank
- 1.215 Porte Bank
- 1.216 Power Financial Credit Union
- 1.217 Premier Bank
- 1.218 Premier Member Credit Union
- 1.219 Presidential Bank
- 1.220 Primis
- 1.221 Provident Credit Union
- 1.222 PSECU
- 1.223 Quontic Bank
- 1.224 Quorum
- 1.225 RBFCU
- 1.226 Redstone Federal Credit Union
- 1.227 Republic Bank
- 1.228 Rockland Trust Bank
- 1.229 Salem Five Bank
- 1.230 Sandy Spring Bank
- 1.231 Santander
- 1.232 Scient Federal Credit Union
- 1.233 Seacoast National
- 1.234 Security Bank of Crawford
- 1.235 SENB Bank
- 1.236 Service Credit Union
- 1.237 Service Federal Credit Union
- 1.238 SkyOne
- 1.239 SLFCU
- 1.240 SmartBank
- 1.241 Southern Bank & Trust
- 1.242 Southland Credit Union
- 1.243 S&T Bank
- 1.244 Stanford Credit Union
- 1.245 Star One
- 1.246 State Bank of India
- 1.247 State Department Federal Credit Union
- 1.248 State Farm Bank
- 1.249 Sterling National Bank
- 1.250 Stoneham Bank
- 1.251 South State Bank
- 1.252 Sun East Federal Credit Union
- 1.253 Sunflower Bank
- 1.254 Susser Bank
- 1.255 Synchrony
- 1.256 TDECU
- 1.257 Teachers Credit Union
- 1.258 Teachers Federal Credit Union
- 1.259 Tech CU
- 1.260 Telhio Credit Union
- 1.261 The State Bank Group (IL)
- 1.262 Three Rivers Credit Union
- 1.263 Thrivent Federal Credit Union
- 1.264 TIAA
- 1.265 T-Mobile Money
- 1.266 Town and Country Bank
- 1.267 Truist
- 1.268 Truliant
- 1.269 Trustco Bank
- 1.270 TTCU Federal Credit Union
- 1.271 UFB Direct
- 1.272 Umass Five Federal Credit Union
- 1.273 UMB Bank
- 1.274 Unify
- 1.275 UnionBank
- 1.276 Union Bank & Trust
- 1.277 United Community Bank
- 1.278 Unitus Community Credit Union
- 1.279 University First Federal Credit Union
- 1.280 Univest
- 1.281 U of I Community Credit Union
- 1.282 US Alliance
- 1.283 US Century
- 1.284 USE Credit Union
- 1.285 Utah First
- 1.286 Webster Bank
- 1.287 Wesbanco
- 1.288 Wescom
- 1.289 Westfield Bank
- 1.290 Wings Financial Credit Union
- 1.291 Wisconsin Bank & Trust
- 1.292 WyHy FCU
- 1.293 VantageWest
- 1.294 Visions Federal Credit Union
- 1.295 VyStar Credit Union
- 1.296 Xceed Financial Credit Union
- 2 Banks & Credit Unions That Don’t Pull Your ChexSystems
- 2.1 Academy Bank
- 2.2 ACNB
- 2.3 Addition Financial
- 2.4 Albert Bank
- 2.5 American Express High Yield Savings
- 2.6 Arizona Financial Credit Union
- 2.7 Armed Forces Bank
- 2.8 Ashland Credit Union
- 2.9 Aspiration
- 2.10 Atmos Financial
- 2.11 Bank of America
- 2.12 BankESB
- 2.13 Bank of Missouri
- 2.14 BBVA Compass
- 2.15 Central Minnesota Credit Union
- 2.16 CFG Bank
- 2.17 Chase
- 2.18 Cheese (Coastal Community)
- 2.19 Chime
- 2.20 Coastal Credit Union
- 2.21 ConnexUs
- 2.22 Consumers Credit Union
- 2.23 Copper Banking
- 2.24 Current (Metropolitan Commercial)
- 2.25 Delta Community Credit Union
- 2.26 Educational Systems Federal Credit Union
- 2.27 Ellevest
- 2.28 Empower
- 2.29 Enzo
- 2.30 Figure Pay
- 2.31 First Florida Credit Union
- 2.32 GoBank
- 2.33 Greensboro Municipal FCU
- 2.34 Hancock Whitney
- 2.35 H-E-B Debit
- 2.36 Heritage Bank
- 2.37 Incredible Bank
- 2.38 Juno
- 2.39 Langley Credit Union
- 2.40 Laurel Road
- 2.41 LendingClub
- 2.42 Lili Bank
- 2.43 Live Oak Bank
- 2.44 M1 Finance
- 2.45 Marcus Bank
- 2.46 Metropolitan Commercial Bank
- 2.47 Nearside
- 2.48 Motiv
- 2.49 Navy Federal Credit Union (NFCU)
- 2.50 NorthOne
- 2.51 Old Missouri
- 2.52 One Finance
- 2.53 Oxygen
- 2.54 PenFed
- 2.55 Regions Bank
- 2.56 Revolut
- 2.57 Simple Finance
- 2.58 SoFi Money
- 2.59 Spiral
- 2.60 Stash
- 2.61 Stripe
- 2.62 TAB Bank
- 2.63 TBK Bank
- 2.64 TD Bank
- 2.65 Texas Trust Credit Union
- 2.66 Tower Federal Credit Union
- 2.67 Upgrade
- 2.68 USAA
- 2.69 Varo Money
- 2.70 WinTrust
- 2.71 Wysh
- 3 Banks & Credit Unions With Mixed Data Points
- 3.1 Associated Bank
- 3.2 Barclays
- 3.3 Capital One 360
- 3.4 Charles Schwab
- 3.5 Citizens Bank
- 3.6 Discover
- 3.7 HM Bradley
- 3.8 HSBC
- 3.9 Huntington
- 3.10 Insight
- 3.11 Lake Michigan CU
- 3.12 M&T Bank
- 3.13 PNC
- 3.14 SunTrust
- 3.15 TCF Bank
- 3.16 Unify Financial Credit Union
- 3.17 U.S. Bank
- 3.18 Washington Savings Bank
- 3.19 Wells Fargo
- 4 Final Thoughts
Banks & Credit Unions That Do Pull Your ChexSystems
1st Source
1st United
- Does pull: 1,
Abound FCU
Achieva Credit Union
- Does pull: 1,
Affinity Credit Union
Air Academy Credit Union
Alden Credit Union
- Does pull: 1,
All America Bank
Alliant
Ally
Amalgamated
Amerant Bank
- Does pull: 1,
American Eagle
- Does pull: 1
Andigo Bank
Andrews Federal Credit Union
Arizona Central Credit Union
- Does pull: 1
Arkansas Federal Credit Union
- Does pull: 1,
Arvest
- Does pull: 1,
Astoria
- Does pull: 1
Atlantic Credit Union
Avidia Bank
- Does pull: 1
Axos Bank
Bancorp South
Bank of Greene County
- Does pull: 1,
Bank of Maine
- Does pull: 1
Bank Of The West
BankMutual
- Does pull: 1
Bank OZK
- Does pull: 1,
BB&T
Bethpage
- Does pull: 1,
BMO Harris
Bank of Colorado
- Does pull: 1
Bank of Denver
- Does pull: 1,
Bank of the West
BankPurely
Does pull: 1
Bar Harbor Bank & Trust
- Does pull: 1,
Bask Bank
BECU
- Does pull: 1,
Blue Federal Credit Union
Blue Foundry Bank
- Does pull: 1,
Blue Hills Bank
BlueVine
- Does not pull: 1
BluPeak
- Does pull: 1,
BrightStar Credit Union
- Does pull: 1
Brio Direct
- Does pull: 1,
Busey Bank
- Does pull: 1,
Byline Bank
- Does pull: 1,
Cambridge Savings Bank
Camden National Bank
- Does pull: 1
Carver Federal Savings Bank
- Does pull: 1
CBT Bank
- Does pull: CBT Bank,
CEFCU
- Does pull: 1
Centennial Bank & Trust
- Does pull: 1
Centier Bank
- Does pull: 1,
Central Bank of Oklahoma
Central Bank of the West
- Does pull: 1
Century Bank
- Does pull: 1,
Chartway Federal Credit Union
Chemical
- Does pull: 1
Chesapeake Bank
- Does pull: 1,
Christian Community Credit Union (CCCU)
CIBC
CIBM Bank
- Does pull: 1,
CIT Bank
Citi
- Does pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30,
- Doesn’t pull: 1 (savings)
City National Bank
Citywide
- Does pull: 1,
Clearview Credit Union
- Does pull: 1,
Climate First Bank
- Does pull: 1,
Clinton Savings Bank
- Does pull: 1,
Columbia Bank (NJ)
Columbia Bank (MD)
- Does pull: 1,
Comerica Bank
Commerce Bank
- Does pull: 1,
Costumers Bank
Country Bank For Savings
- Does pull: 1
Credit Union Of Colorado
- Does pull: 1
Customers Bank
- Does pull: 1
Dedham Savings Bank
- Does pull: 1
Del Norte Credit Union
- Does pull: 1,
Digital Federal Credit Union (DCU)
Dollar Bank
Dollar Savings Direct
- Does pull: 1,
E*Trade
1, 2 (works if Frozen)
Eagle Federal Credit Union
- Does pull: 1
East Boston Savings Bank
- Does pull: 1
Eastern Bank
Eastman Savings Bank
- Does pull: 1,
Elements Financial
Elevations Credit Union
- Does pull: 1
ENT Credit Union
- Does pull: 1,
Essex Bank
Liberty Federal Credit Union (Evansville Teachers Federal Credit Union)
Excite Credit Union
- Does pull: 1,
Fairwinds Credit Union
Farmers Insurance Federal Credit Union
- Does pull: 1,
Fidelity Bank (PA)
Fidelity Bank (MA/Online)
- Does pull: 1,
Fidelity (Cash Management)
Fidelity
- Doesn’t pull: 1,
Financial Builders Credit Union
- Does pull: 1,
Fifth Third
- Does pull: 1, 2, 3 (combined into a single pull for checking & savings on same day), 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14,
First Advantage Bank
- Does pull: 1
First American Bank
- Does pull: 1,
FirstBank
First Bank Financial Center
- Does pull: 1
First Bank & Trust
- Does pull: 1,
First Citizens Bank
- Does pull: 1
First Class Community Credit Union
- Does pull: 1,
First Commerce Credit Union
- Does pull: 1,
First Commonwealth Federal Credit Union
- Does pull: 1,
First Federal Of Lakewood
- Does pull: 1,
First Financial Bank
First Financial Credit Union
- Does pull: 1
First Horizon Bank
- Does pull: 1,
First Merchants Bank
First Midwest Bank
- Does pull: 1,
First National Bank
First National Bank of Long Island
First National bank of Omaha (FNBO)
- Does pull: 1,
First National Bank of PA
- Does pull: 1,
First National Bank & Trust (WI)
- Does pull: 1,
First National Bank of Waterloo
- States they do pull on bonus page
First Niagara
First Republic Bank
- Does pull: 1,
First Tech Federal Credit Union
First Tennessee
First Trade Union Bank
- Does pull: 1
First United Bank
- Does pull: 1,
Fitsimons Credit Union
- Does pull: 1,
Five Star Bank
- Does pull: 1
Flagstar Bank
- Does pull: 1,
Flushing Bank
Florida Community Bank
- Does pull: 1
Forcht Bank
- Does pull: 1,
Found
- Does pull: 1,
Fulton Bank
Gateway First Bank
- Does pull: 1,
Goldman Sachs Bank
- Does pull: 1
Great River Federal Credit Union
- Does pull: 1,
Grow Financial Credit Union
- Does pull according to information given by the credit union
GTE Financial Credit Union
- Does pull: 1,
Gulf Coast Bank & Trust
- Does pull: 1,
Hanscom Federal Credit Union
- Does pull: 1,
HarborOne Bank
HarborStone Credit Union
- Does pull: 1,
Healthcare Associates Credit Union
- Does pull: 1,
Home Federal Bank Tennessee
- Does pull: 1 (via e-mail on 10/8/22)
Home Savings Bank
- Does pull: 1
HomeStreet Bank
- Does pull: 1
Hometown Community Banks
- Does pull: 1
HomeTrust Bank
Hudson Valley
- Does pull: 1
Iberia Bank
Ideal Credit Union
Investors Bank
Jovia
Justice Federal Credit Union
- Does pull: 1
Keen Bank
- Does pull: 1,
KeyBank
Keypoint
Lakeland Bank
- Does pull: 1,
Lake Shore Savings
- Does pull: 1
LBS Financial Credit Union
- Does pull: 1,
Leader Bank
LegacyTexas Bank
- Does pull: 1
Liberty Bank For Savings
- Does pull: 1
Lyons National Bank
- Does pull: 1,
Macatawa
- Does pull: 1,
Marquette Bank
- Does pull: 1
Memory Bank
Middlesex Federal Credit Union
- Does pull: 1,
MidFirst Bank (Monifi)
Midland States Bank
Mission Federal Credit Union
- Does pull: 1
MoneyLion
- Does pull: 1,
Monona Bank
- Does pull: 1,
Mountain America Credit Union
- Does pull: 1
My Banking Direct
MyUSA
- Does pull: 1,
Nationwide Bank
NBKC Bank
- Does pull: 1,
Neighborhood Credit Union
- Does pull: 1,
Nevada State Bank
- Does pull: 1
Newtek Bank
- Does pull: 1,
Newtown Savings Bank
NJCU FCU
- Does pull: 1,
NWFCU
- Does pull: 1,
North Easton Savings Bank
- Does pull: 1,
Northern Bank Direct
- Does pull: 1,
Northfield Bank
- Does pull: 1,
Northpointe Bank
Northstate Bank
- Does pull: 1,
Northwest Bank
Northwest Federal Credit Union
- Does pull: 1,
NRLFCU
NuVision Federal Credit Union
- Does pull: 1
OceanFirst
Old National Bank
Old Second Bank
- Does pull: 1,
OneWest Bank
Onpoint Community Credit Union
- Does pull: 1,
Orange County Credit Union
- Does pull: 1,
Orion Federal Credit Union
PayPal
- Does pull: 1,
Parkside Credit Union
- Does pull: 1
Pathways Financial Credit Union
- Does pull: 1,
Penn Community Bank
- Does pull: 1
Peoples Bank
- Does pull: 1,
People’s United Bank
- Does pull: 1,
Picatinny Federal Credit Union
- Does pull: 1,
Pinnacle Bank
Pittsfield Coop Bank
Popular Community Bank
Porte Bank
Power Financial Credit Union
- Does pull: 1
Premier Bank
Premier Member Credit Union
- Does pull: 1,
Presidential Bank
- Does pull: 1,
Primis
- Does pull: 1,
Provident Credit Union
PSECU
Quontic Bank
Quorum
RBFCU
- Does pull: 1
Redstone Federal Credit Union
Republic Bank
- Does pull: 1,
Rockland Trust Bank
Salem Five Bank
Sandy Spring Bank
Santander
- Does pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23 (personal & business), 24, 25,
Scient Federal Credit Union
- Does pull: 1
Seacoast National
- Does pull: 1
Security Bank of Crawford
- Does pull: 1,
SENB Bank
- Does pull: 1,
Service Credit Union
Service Federal Credit Union
- Does pull: 1,
SkyOne
SLFCU
- Does pull: 1,
SmartBank
- Does pull: 1 (via e-mail on 9/24/20)
Southern Bank & Trust
- Does pull: 1,
Southland Credit Union
- Does pull: 1,
S&T Bank
Stanford Credit Union
Star One
State Bank of India
- Does pull: 1,
State Department Federal Credit Union
State Farm Bank
- Does pull: 1,
Sterling National Bank
Stoneham Bank
South State Bank
Sun East Federal Credit Union
- Does pull: 1
Sunflower Bank
Susser Bank
- Does pull: 1,
Synchrony
- Does pull: 1
TDECU
- Does pull: 1,
Teachers Credit Union
- Does pull: 1,
Teachers Federal Credit Union
Tech CU
Telhio Credit Union
- Does pull: 1,
The State Bank Group (IL)
- Does pull: 1,
Three Rivers Credit Union
- Does pull: 1,
Thrivent Federal Credit Union
TIAA
- Does pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10,
- Doesn’t pull: 1 (savings), 2 (previous account holder), 3,
T-Mobile Money
- Does pull: 1,
Town and Country Bank
- Does pull: 1
Truist
Truliant
- Does pull: 1,
Trustco Bank
- Does pull: 1,
TTCU Federal Credit Union
- Does pull: 1,
UFB Direct
- Does pull: 1,
Umass Five Federal Credit Union
- Does pull: 1,
UMB Bank
- Does pull: 1,
Unify
UnionBank
- Does pull: 1,
Union Bank & Trust
United Community Bank
- Does pull: 1,
Unitus Community Credit Union
- Does pull: 1,
University First Federal Credit Union
- Does pull: 1,
Univest
- Does pull: 1
U of I Community Credit Union
- Does pull: 1,
US Alliance
- Does pull: 1,
US Century
- Does pull: 1
USE Credit Union
- Does pull: 1,
Utah First
- Does pull: 1,
Webster Bank
- Does pull: 1,
Wesbanco
- Does pull: 1
Wescom
Westfield Bank
Wings Financial Credit Union
Wisconsin Bank & Trust
- Does pull: 1
WyHy FCU
- Does pull: 1 (via e-mail on 4/11/18)
VantageWest
Visions Federal Credit Union
- Does pull: 1,
VyStar Credit Union
- Does pull: 1,
Xceed Financial Credit Union
- Does pull: 1,
Banks & Credit Unions That Don’t Pull Your ChexSystems
Academy Bank
ACNB
- Doesn’t pull: 1
Addition Financial
Albert Bank
American Express High Yield Savings
Arizona Financial Credit Union
- Doesn’t pull: 1,
Armed Forces Bank
Ashland Credit Union
- Doesn’t pull: 1,
Aspiration
Atmos Financial
- Doesn’t pull: 1,
Bank of America
- Did pull: 1,
- Doesn’t pull: 1, 2 (existing savings account), 3, 4, 5, 6, 7, 8, 9,
- Doesn’t pull with existing account: 1, 2 (credit card), 3 (checking)
BankESB
- Doesn’t pull: 1,
Bank of Missouri
- Doesn’t pull: 1,
BBVA Compass
Central Minnesota Credit Union
- Doesn’t pull: 1,
CFG Bank
- Doesn’t pull: 1,
Chase
- Doesn’t pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36,
- Business doesn’t pull: 1, 2, 3, 4,
Cheese (Coastal Community)
- Doesn’t pull: 1,
Chime
Coastal Credit Union
ConnexUs
Consumers Credit Union
Copper Banking
- Doesn’t pull: 1,
Current (Metropolitan Commercial)
Delta Community Credit Union
Educational Systems Federal Credit Union
- Doesn’t pull: 1,
Ellevest
- Doesn’t pull: 1,
Empower
- Doesn’t pull: 1,
Enzo
Figure Pay
- Doesn’t pull: 1,
First Florida Credit Union
GoBank
- Does pull: 1,
Greensboro Municipal FCU
- Doesn’t pull: 1
Hancock Whitney
H-E-B Debit
- Doesn’t pull: 1,
Heritage Bank
- Doesn’t pull: 1,
Incredible Bank
- Doesn’t pull: 1,
Juno
- Doesn’t pull: 1,
Langley Credit Union
- Doesn’t pull: 1,
Laurel Road
- Doesn’t pull: 1,
LendingClub
- Doesn’t pull: 1,
Lili Bank
Live Oak Bank
- Doesn’t pull: 1,
M1 Finance
- Doesn’t pull: 1,
Marcus Bank
Metropolitan Commercial Bank
- Doesn’t pull: 1,
Nearside
- Doesn’t pull: 1,
Motiv
- Does pull: 1,
- Doesn’t pull: 1,
NorthOne
- Doesn’t pull: 1,
Old Missouri
- Doesn’t pull: 1
One Finance
Oxygen
- Dosn’t pull: 1,
PenFed
Regions Bank
Revolut
Simple Finance
- Doesn’t pull: 1,
SoFi Money
Spiral
- Doesn’t pull: 1,
Stash
- Doesn’t pull: 1,
Stripe
- Doesn’t pull: 1,
TAB Bank
- Doesn’t pull: 1 (6/28/22 via e-mail)
TBK Bank
- Doesn’t pull: 1,
TD Bank
Texas Trust Credit Union
- Doesn’t pull: 1,
Tower Federal Credit Union
Upgrade
USAA
- Doesn’t pull: 1,
Varo Money
WinTrust
Wysh
- Doesn’t pull: 1,
Banks & Credit Unions With Mixed Data Points
With banks in this section, it’s probably important to look at the date of data points, stuff that is more recent is more likely to be accurate as some financial institutions have transitioned away from relying on ChexSystems.
Associated Bank
Barclays
- Does pull: 1
Capital One 360
- Does pull: 1, 2, 3, 4, 5, 6, 7, 8, 9,
- Doesn’t pull: 1, 2 (already had checking), 3, 4, 5, 6, 7, 8, 9,
Charles Schwab
- Does pull: 1, 2, 3, 4, 5, 6 (for savings account on 2/8/22 via e-mail), 7, 8,
- Doesn’t pull for brokerage ONE investment account: 1
Citizens Bank
Discover
- Checking, does pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 (savings), 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21,
- Doesn’t pull: 1, 2 (savings), 3 (savings), 4 (savings), 5 (savings), 6 (aaa savings), 7 (savings), 8 (savings), 9 (savings), 10, 11, 12,
HM Bradley
HSBC
Huntington
Insight
- Doesn’t pull: 1
Lake Michigan CU
M&T Bank
PNC
- Does pull: 1, 2, 3, 4, 5, 6, 7, 8,
- Doesn’t pull: 1, 2, 3, 4, 5, 6, 7, 8 (in branch), 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23,
SunTrust
TCF Bank
Unify Financial Credit Union
- Does pull: 1,
U.S. Bank
- Does pull: 1, 2, 3 (also reports that they have signs up saying they specifically do use ChexSystems), 4, 5, 6, 7, 8,
- Doesn’t pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21,
Washington Savings Bank
- Does pull: 1,
Wells Fargo
- Does pull: 1,
- Doesn’t pull: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34,
Final Thoughts
Resource pages like this are as useful as readers make them, if you can contribute then please do so to increase the knowledge base for everybody. I’ll be including a link to this page on every bank bonus post to encourage people to share their data points. We’ll also add a section to the quick glance bit for whether they do/don’t use ChexSystems to give quick access to this information as well. If you found this page helpful, you might also enjoy the following pages:
- A Beginners Guide To Bank Account Bonuses
- Bank Account Reference Pages
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- Complete List Of Ways To Close Bank Accounts At Each Bank
- Bank Accounts That Can Be Funded With A Credit Card
- List Of Methods Banks Count As Direct Deposits
- Is Opening A Bank Account A Soft Or Hard Pull?
Did Pull:
Community First CU
Wings Financial CU
Did not pull:
Regions Bank
TD Bank
Santander
US Bank did pull
Bank of America does not appear to be Chex sensitive.
Did not pull report when opening checking account.
Us bank did pull chexsystems
Yes, this started about a month ago for the majority of people apparently. Not nice.
Just got denied! Ill try again in a few months
Are you in footprint, or have a relationship with U.S. Bank? If not, you need to open a CD or CC with them.
https://www.doctorofcredit.com/tip-open-us-bank-investment-account-to-be-eligible-for-checking-bonus-altitude-reserve-ymmv/
I have a business CC and got denied when I used personal email. Applied a few days later with same info but used my business email and got approved.
Pulled Chex:
Guilford Savings Bank
EECU (TX)
Middlesex Savings Bank
Denied with Chex frozen/asked to unfreeze:
Eastern Bank
American Airlines Federal Credit Union (Ascend Checking)
Citizens Bank
Ally (not existing customer)
Valley National Bank (Checking; existing customer)
Suffolk Federal Credit Union
Altra Federal Credit Union
Jovia Credit Union
Midland States Bank (2023)
Approved with Chex frozen/did not pull:
Trustco Bank
Ally (existing CD customer)
US Bank
Citibank
Key Bank
Santander
PNC (2023)
Bank of Missouri (2023)
Fairwinds Credit Union (CD, existing checking/savings customer)
Also did not pull: Dow Credit Union (2022)
TTCU doesn’t appear to be Chex sensitive.
Opened account on 7/22/2024 and no inquiry from TTCU on my CHEX report.
Something that JUST occurred to me today that I don’t think I’ve ever seen mentioned on DoC: you can check if/when a bank pulled your report without requesting a copy by going to the Dispute section->”Inquiries Viewed By Others” and looking at what’s listed there.
Don’t know if it really matters, because you can pull the report pretty frequently, but it does feel like a slightly less cumbersome option
Yeah, it is a convenient approach, but it does not apply to everyone. Some of us, including me, mothman69 and a few others, could not access that Dispute section.
What do you mean, you can’t access it? They don’t let you submit disputes?
See conversations here: https://www.doctorofcredit.com/you-can-now-receive-your-chexsystems-report-online/#comment-1897928
We can still submit disputes, just not in the Chex portal since we could not access that Dispute section in our accounts. We can fill out the online dispute form on the Chex website as a guest.
Huh. And it’s not a browser issue? My first thought was that that feature’d been revoked for submitting too many disputes, but guess not if it was from day 1 for you
Definitely not a browser issue, as I already tested it on different browsers to no avail.
snailrock
Agreed. Been using it for years now. It would be really nice if Chex would fix the sort order, but I have a feeling that is not going to happen.
snailrock
But, as Shawn says, some people have issues accessing that Dispute page at all.
I applied for an account and was initially approved and had the online banking going and everything, then the bank closed the account with a denial letter due to Chexsystems. Can I dispute that on my chex report? They’re also giving me a hard time trying to get my deposit I made back. This is Meriwest Credit Union
You can try to dispute it, yes. Technically, it’s a valid inquiry. You applied, and they looked at your Chex, and they changed their mind. They aren’t required to stick with their decision. It’s not really any different than denying the application instantly. You permitted them to pull your Chex.
Starry
However, I have had mixed results getting inquiries removed. Sometimes it works, sometimes it doesn’t. Asking to have it moved to your “Inquiries Viewed Only by You” seems to have a slightly higher level of success.
I have some ideas at the link below for what you can put in your dispute, but I have never had a 100% sure thing for the actions that take place (removal denial, removal, or moving). You should use your own words.
https://www.doctorofcredit.com/hanscom-federal-credit-union-5-apy-on-up-to-6000/#comment-1481186
As for getting a hard time about your deposit being returned, you can submit an NCUA complaint, and they will forward it to the appropriate state banking commission if it’s not a federal CU.
I opened Citibank checking (online) on 7/1 without Chex pulled
Just declined for Citi checking. 809 FICO, but I have a lot of bank accounts bc I play the bonus game. Must not have liked my Chex.
Not necessarily. What did the rejection message say? If it didn’t say Chex, it could have been any number of reasons.
Gs1s