Banks & Credit Unions That Are ChexSystems Inquiry Sensitive

We post a lot of different bank account bonuses, one of the most common questions we get is ‘How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?‘. Most of the time when you open a new bank account, they won’t do a hard pull on your credit report (data points for that can be found here). Instead they will check your ChexSystems report.

ChexSystems contains information regarding your deposit accounts and is used by around 80% of all financial institutions. It contains information regarding new account openings and also the following red flags:

• Unsatisfied balances
• Check overdrafts
• Depositing fraudulent checks
• Suspicious account behavior reported by other banks (e.g possible structuring)

Some financial institutions won’t open a new account for you if you’ve opened too many new accounts recently as it can be a sign of possible fraud and they also want to limit people like us chasing bank account bonuses. I thought it’d be useful to have a list of banks & credit unions that are sensitive to too many inquiries and also ones that aren’t. Please add more data points in the comments so we can make this resource page more useful. When sharing your datapoints, let us know if you applied in branch or online. Also keep in mind that these inquiries stay on your report for a maximum of two three years.

Banks/Credit Unions That Are Inquiry Sensitive

3Rivers Federal Credit Union

• Denied with 15+ in last 12 months

Affinity Credit Union

• Denied with 7 inquiries in the last 12 months
• Denied with 17 in the last 24 months

Allied First Bank

• Denied with 74 in the last 12 months

Amerant Bank

• Denied with 20/30+ in the last 12/24 months

American Eagle Financial Credit Union

• Denied with 6 in the last 24 months

America’s Christian Credit Union

• Denied with 9 in the last 90 days
• Approved with lol/24

Ameris Bank

• Denied with 30 accounts in last 12 months

Andigo Credit Union

• Denied with six in last 12 months
• Denied with 3 in last 24 months
• Denied with 50+ in the last 9 months
• Denied with 15-20 in the last 12 months
• Approved with 10+ in last six months
• Approved with 60+ in the last 18 months

Andrews Federal Credit Union

• Denied with lol/24

Banco Popular

• Closed after initially being opened due to too many inquiries. Had 5-7 accounts in four months prior.

Bank of Canton

• Denied with 10 in past 6 months/20 in past 12

Bank of Hope

• Denied with 7 in the last 12 months, they want less than 5

Bank Of The West

• Declined for 20+ accounts in two years
• Denied for 15+ accounts in two years
• Denied for 23 accounts in two years
• Approved with 11 in the last 12 months

Bank OZK

• Denied with 10 in the last 12 months

Bask Bank

• Approved with lol/24
• Approved lol/24
• Denied lol/24
• Approved lol/24
• Approved lol/24
• Approved lol/24
• Approved lol/24
• Approved 8/3
• Approved 22/24

BBVA

Looks like they have changed their application process and are no longer sensitive.

• Not sure what the limit is and they do a hard pull on your actual credit reblueport, but they are sensitive to too many inquiries. One reader was able to open with 20+ inquiries though.

BECU

Rule seems to be denial if you have 3-6 or more in the last 12 months

• Denied with 17 in the last 12 months
• Denied with 4-5 in the last 12 months
• Denied with 17 in the last 12 months

Bethpage Credit Union

• Denied with 38/24, 24/12
• Denied with lol/24
• Approved lol/24
• Approved lol/24
• Denied with 11/36
• Denied with 11/6
• Approved with 8/24
• Approved with 17/24

Blaze Credit Union

• Denied with 20 in the last 12 months

Blue Federal Credit Union

• Denied with 10+ in last couple of years
• Denied with 8 this year
• Rep mentioned more than 3 in past 6 months would lead to denial
• Denied, not sure on exact amount but more than 3

Blue Hills

• They are Chex sensitive (1, 2, 3)
• Denied with 15+ (was approved in branch)
• Denied with 2 accounts in last 12 months

BMT (Bryn Mawr Trust)

• Approved with 10+ accounts in two months

Byline Bank

• Will decline if you have more than two inquiries

California Credit Union

• Denied with 22 in the last 24 months

Cambridge Savings Bank

• Declined with 15+ in last year
  
• Declined with 20+ in last six months
• Declined with 15+ in last year
• Declined with 15 in the last few months
• Approved with 30+ in the last year
• Approved with 30+ in last 16 months

Capital Bank

• Declined with 50+ in the last 9 months
• Approved with 25 new accounts in last year and a half

Carver Federal Savings Bank

• Will decline with 5+ accounts

Central Illinois Bank

• Denied with 10+ accounts in last 12 months

Century Bank

• Decline with 7 accounts opened in last 9 months

Charles Schwab

• Declined with 8 in past 12 months

Chartway Federal Credit Union

• Declined with 1-2 per month for last few years
• Denied with lol/12
• Denied with 11/12 months
• Approved with 12+ inquiries

Cheese

• Approved with 100+ in the last 24 months

Chesapeake Bank

• Denied with 18+ in the last 12 months and 36+ in last 24 months

Christian Community Credit Union

• Declined with 26+ inquiries
• Denied with 15-20 in the last 12 months only
• Denied with lol/24

Citadel Bank

• Declined with 5 in the last 6 months

Citibank

• Declined with 9-10 sign ups in past 4 months.
• Approved with 23 in the last 7 months

Citizens Bank

• Declined with 5 in the last 180 days

Civista

• Denied with 29 in the last 24 months

C&N Bank

• Denied with 8 in the last 6 months
• Denied with 100 in the last 24 months

Commerce Bank

• Approved then shut down. 17 accounts within last 24 months. Another report with similar numbers
• Denied with 30+ in last 24 months

Community Financial Credit Union

• Denied with 104 in the last 4 years

Community First Credit Union Of Florida

• Denied with 1/30 4/60 6/90

Consumers Credit Union

• Denied with 10 inquiries in the last 12 months (via e-mail 3/20/23)

Credit Human

• Denied with 50+ in last 12 months
• Denied with 8 in last 12 months

Credit Union Of Southern California

• Denied with 3/6 or 12/12

Credit Union 1

• Denied with 40 in the last 24 months
• Denied with 19 in the last 24 months

CrossPoint Federal Credit Union

• Denied with lol/24

Dedham Savings Bank

• Declined with 20+ in last six months, eventually approved in branch
• Declined with 9 in the last 24 months
• Denied with 6 in the last 12 months

Devon Bank

• Declined with 10/20 in the last 12/24 months

Eastern Bank

• Denied with 5+
• Denied with 12 in last 12 months
• Denied with 6/12 in the last 12/24 months
• Denied with 3 in the last 12 months, 6 in last 24 months

Elements Financial

• Declined to to Chex  (1, 2, 3, 4, 5, 6, 7)
• Approved with 15+
• Approved with 5 in the last 15 months
• Denied with 19 in the past 10 months

Elevations

• Denied for 12 inquiries in last 8 months

Emprise Bank

• Denied with 3 inquiries
• Denied with 4 inquiries

ETFCU

• Denied with 10 in the last year

Evansville Teachers Federal Credit Union

• Declined with 12 inquiries in past 12 months
• Approved with 7 inquiries in the last 3 months
• Declined with 24 in the last 12 months
• Declined with 7-8 in last 12 months
• Approved with 95+ in the last 24 months

E*Trade

• Will decline you if you’ve had more than 10

Farmers & Merchants State Bank

• Denied with 30 in past six months, 50+ in last 12 months
• Denied with 3 in the past 3 months
• Denied with 6 in the last 6 months
• Denied with 10 in the last 12 months
• Denied with 18 in the last 12 months

Farmers Insurance Federal Credit Union

• Denied with  2/1 , 5/2, 8/3, 16/6 , 26/9, 41/12 , 41/24

Farmington

• Approved, then denied two weeks later due to ‘excessive’ account openings. Total of two accounts had been opened (via e-mail on 07/05/18)

Fidelity (MA, NH)

• Denied with lol/24 months

Fifth Third Bank

• Declined with 50+ applications in last 8 months
• Denied with 10 in the last 6 months

First Citizens Bank

• Declined with 32+ in the last 12 months

First Commonwealth Bank

• Denied with lol/24

First Financial Bank

• Declined with 6 openings in the last 12 months
• Approved with 20+ in the last 24 months

First Home Bank

• Declined based on last 90 days

First Horizon Bank

• Denied with 14 in the last 12 months
• Denied with 15 in the last 90 days

First Midwest Bank

• Denied with 4 in the last 12 months

First National Bank

• Denied with 12+ transactions in the last 12 months
• Approved with 4/1, 8/2, 9/3, 14/6, 27/12
• Approved with  3/1, 4/2, 4/3, 8/6, 20/12

First Northern Credit Union

• Denied due to excessive inquiries

First Tech Federal Credit Union

• Denied with 15 in the last 24 months
• Denied with 22 in the last 9 months
• Approved with 85+ in last 24 months
• Approved with 9 in the last 6 months

Firsttrust Bank

• Denied with 14 in the last 6 months

Florence Bank

• Denied with 6 in the past 6 months

Flushing Bank

• Denied with 3 in the last month
• Approved with 100+ in the last 24 months

FNBO

• Denied with 12 in the last year
• Denied with 11 in the last year

Fremont Bank

• Declined with 10 in past 12 months
• Declined with 6 in last 2 months

Genisys Credit Union

• Declined with 5 in the last 24 months

Great River Federal Credit Union

• Declined with 10 in the past 12 months

Gulf Coast Bank & Trust

• Denied with 58 in the last 24 months

Hanscom Federal Credit Union

• Denied with high inquiries
• Denied with 1o in the last 12 months

Hiway Bank

• Declined with an unknown amount of inquiries

Home Federal Savings Bank

• Denied with 5+

Home Savings Bank

• Approved with 24 in past 6 months

HomeStreet Bank

HomeStreet Bank will often approve you, only to close your account at a later date due to excessive Chex inquiries.

• Denied with 10+ in the last 24 months
• Denied with 3 in the last 3 months
• Denied with 9 in the last 12 months
• Denied with 18 accounts in the last 12 months
• Approved with 6-7 in the last 12 months

Horizon Bank

• Denied with 12+ in the last 12 months
• Approved with 12+ in the last 12 months

Iberia Bank

• Denied with 15-20 in the last 12 months

Independent Bank

• Denied with 33/56 in the last 12/24 months

Integrity Bank

• Approved with 10+

Intouch Credit Union

• Denied with 15 to 20 in the last 12 months

Justice Federal Credit Union

• Denied with 7-8 checking accounts in last 10 months

Keybank

• Declined with 13
• Declined with 1/2 per month
• Denied with 5+
• Denied with 5 in last 3 months
• Denied with 20 in the last 24 months
• Denied with 50+
• Declined with 4 in the past 3 months
• Declined with 3-4 in the last six months
• Denied with 30 in the last 24 months

Keypoint

• Denied with 1 in the past 12 months
• Denied with 8 in the last 12 months
• Denied with 4 in the last 12 months
• Approved with 8 in the last 12 months

Lafayette Federal Credit Union

• Denied with lots in the last 24 months

Laurel Road

• Denied with 24 in the last 24 months
• Denied with 75 in the last 24 months

Level One Bank

• Declined with 15 inquiries

Liberty Bank

• Denied with dozens of inquiries

Marine Bank

• Denied with 6 in the last 12 months
• Denied with less than 10 in the last 24 months
• Denied with 5+ in last 12 months
• Denied with 8 in last 12 months

Memory Bank

• Declined due to Chex, apparently

Metro Credit Union

• Denied with 10 in last 12 months and 20 in the last 24 months

Middlesex Federal Credit Union

• Approved with 14 in the last 12 months
• Apparently denied with 10+

Midfirst Bank

• Declined with 7 accounts in past 12 months
• Denied with 12 accounts in the last 6 months

Midland States Bank

• Approved with 100+ accounts in the last 48 months
• Approved with 26 in the last 24 months
• Denied with 8 in the last 24 months

MVB Bank

• Declined with 50+ in the last 18 months

Neighborhood Credit Union

• Denied with 31 in the last 24 months
• Denied with 9 in the last 12 months

Nevada State Bank

• Declined with 11 in last 12 months: 1

Newtown Savings Bank

• Denied with 20+ in last year and 10-12 in last 6 months

Northpointe

• Declined by Northpointe last week with a total of 16 in the past 2 years
• Denied from Northpointe, only 6 ChexSystems inquiries in the last two years. Although 3 were in January and was 1 was in February, I was still surprised
• Denied with 15+

NYCB Family Of Banks

• Declined with 12 in the last 24 months

Ocean First Bank

• Denied with 11 in the last 12 months
• Approved with 40+ in the last 12 months (in branch)
• Approved with 100+ in the last 24 months (online)

OneWest

• Denied with 15 in the last 24 months
• Denied with 25 in last 12 months

OnPoint Community Credit Union

• Denied with 12 in the last 12 months, 21 in last 24 months

Orion Bank

• Denied with 8 in the last 12 months

Patelco

• Denied with 9 in the last 6 months
• Denied with 26 in the last 6 months

People’s United Bank

• Closed after initially being opened due to too many inquiries. Had 5-7 accounts in four months prior.

PerkStreet

• Will decline you if you’ve had more than 10

Pinnacle Financial Partners

• Declined with 10 in past 2 months

PNC Bank

• Denied for 30+ in three years

Popular Bank

• Apparently they monitor your account even after you’ve opened it and will close it if too many new accounts opened
• Denied with 4 in last year
• Denied with 9 in last year
• Approved with 12+ in last year

Premier America Credit Union

• Denied with 1/1, 5/3, 10/6, 17/12, 32/24

Premier Credit Union

• Initially denied with 8 inquiries in 3 months. Approved on reconsideration.
• Denied for 19+ inquiries
• Denied with 2 accounts in the last 12 months

Prestige Community Credit Union

• Denied with lots of inquiries in the last 24 months

Provident Credit Union

• Declined for too many applications, had 5 other inquiries on report within a week (via reader Tom)
• Denied for 12+ accounts in the past two years
• Declined with five accounts
• Declined with 4-5 accounts
• Denied with 60-80 in the last 12/24 months
• Denied for 10+ in the last 24 months

PSECU

• Declined with lots in the last 24 months

RBFCU

• Declined with six accounts in last year

Ridgewood

• Declined with 7 in past 12 months
• Declined with 9 in past 12 months
• Denied with 11 in past 12 months and 13 in past 24
• Denied with approximately one new account per month in last 12/24 months

Rockland Trust Bank

• Declined with 20 accounts in the last 6 months

SAFE Credit Union

• Denied with 25 in the past 24 months

Salem Five Bank

• Declined with 12-17 recent inquiries
• Declined with 50+ inquiries in last 9 months

Sandy Spring Bank

• Denied & denied
• Denied with 10 in the last 12/24 months
• Denied with 14 in last 12 months and 35 in last 24 months

SkyOne Federal Credit Union

• Denied with 10+ in the last 12 months
• Denied with 24+ in the last 12 months
• Denied with 10+ in the last 12 months
• Denied with 48 in the last 24 months
• Denied with 11 in the past 6 months
• Approved with 35+ in last 12 months
• Approved with 100 in the last 24 months
• Approved with 26 in the last 24 months

SLFCU

• Approved with 23 in the last 24 months

Solvay Bank

• Denied with 8 in the last 24 months

Sound Credit Union

• Denied with 10+ in last 12 months

Southeast Bank

• Denied with 7 in the past 6 months
• Denied with 50+ in last 12 months
• Denied with 25+ in last 12 months
• Denied with 20+ in last 12 months

Southside Bank

• Denied with 12-14 in the last 24 months

Southstate Bank

• Denied with 3 in the past 12 months
• Denied with 51 in last 24 months, 38 in last 12 months

Spectra Credit Union

• Sensitive

Standford Credit Union

• Denied with lol/24

State Employees Credit Union (SECU) Of Maryland

• Denied with 11 in the last 6 months

S&T Bank

• Denied with lol/24
• Denied with 23 inquiries, possibly 10+ is auto denied.

The Bank of Denver

• Approved with 8 in the last 8 months

The Bank of Princeton

• Denied with 43+, CSR says it would go to back office if you have 7+ in the last 12 months

Thrivent Credit Union

• Denied with 15+
• Denied with 16 in last 12 months and 30 in last 24 months (via e-mail on 09/04/18)
• Denied with 10+
• Denied with 20 in the last 12 months
• Denied with 7 in the last 12 months

Truliant Federal Credit Union

• Denied with lots in the last 24 months
• Denied with 10 in the last 12 months

TruStone Financial

• Declined with 9 in the last 12 months

Tyndall Federal Credit Union

• Denied with 10 in the last 24 months

University of Michigan Credit Union

• Denied with six inquiries

UNFCU

• Denied with 4-5 new accounts
• Denied with 4-5 new accounts

Union Bank

• Closed account after opening with two new accounts in last week
• Denied with 15+ in the last year
• Approved with 11-12 in the last year
• Approved with 21+ in the last year

Union Community Bank

• Denied with 18 in last 6 months

Union Bank & Trust

This is now called Atlantic Union Bank

• Not sensitive: 1, 2 (80+ in 24 months), 3 (50+ in last 24 months)
• Sensitive:
  • Denied with 24/25

Union Savings Bank

• Sensitive when applying online, not sensitive in branch

Unitus Community Credit Union

• Denied with 6 accounts in the last 24 months

Unity One Credit Union

• Denied with lol/24

Valley National Bank

• Online:
  • Denied with 4-5 accounts in the past month
  • Denied with a lot in the last 12/24 months
  • Denied with 8 in the last 12 months
  • Denied with lol/24
  • Denied with 27 in the past 2 months
  • Denied: 1, 2,
  • Denied with 10 in the last 24 months
  • Denied with 11 in the last 24 months
  • Denied lol/24
  • Denied with 3 in the last 180 days
  • Denied lol/24
  • Denied lol/24
  • Denied with 7 in the last  month
  • Denied with 8-11 in the last 12 months
  • Approved with 5+ in the last 12 months
  • Approved with 2 in the last 24 months
  • Approved with 6 in the last 12 months
• In branch:
  • Approved in-branch with over 15 Chex inquiries total
  • Approved
  • Approved with on average 2 per month, previously denied online
  • Approved with 10+ in the last year
  • Approved lol/24
  • Approved lol/24
  • Denied, looks like the banker used the online application

Valley Direct

• Denied with 21 in the last 12 months

Verity Credit Union

• Denied with 12-15 accounts in the past 12 months

Vio Bank

• Denied for Chex activity (1, 2, 3)

Washington Trust

• Denied with 15 in last 24 months

Watertown Savings Bank

• Denied with 5 in the last 6 months
• Denied with 4 in the last 6 months
• Denied with 8 in last 12 months

Wesbanco

• Denied with 15+ in last 12 months
• Denied with 9 in the last 12 months

Wescom

• Denied with 12 in the past 12 months
• Denied with 15 in last 12 months and 23 in last 24 months
• Denied with 19 in the last 12 months
• Denied with 11 in last 12 months, 25 in last 24 months

Westfield Bank (MA)

• Denied with 5+ in the last 6 months
• Denied with 7 in last year

Westfield Bank (OH)

• Denied with 40+ in last 10 months
• Denied with 4-5, but friend was approved with 10+

Wings Financial Credit Union

• Denied with 10 in the last 2 years
• Denied with 75 inquiries in the last 24 months
• Denied with 9 in the last 6 months

Wintrust

• Denied with 6 in the last 12 months
• Denied with 3 in the last 4 months

Yolo Credit Union

• Denied with 10/15 in the last 12 months

Banks/Credit Unions That Aren’t Inquiry Sensitive

Affinity Federal Credit Union

• Approved with 100 in the last 24 months

Alliant

• Approved with 15 in the last 7 months
• Denied with 17 in the last 12 months
• Denied with 12 in the last few months

Amalgamated

• Approved with 11+
• Denied with 10 in the last six months, 17 in the last 12 months

Ardent Credit Union

• Approved lol/24

Armed Forces Credit Union

• Approved with lots in the last 24 months

Axos Bank

• Approved with 50+ in the last 12 months

BB&T

• Approved with 20+

Bell Bank

• Approved with 15+

BMO Harris

• Approved with 6 inquiries in past 3 months
• Approved with 15+
• Approved with 13+

Capital Bank

• Approved with a lot

Chase

• Successfully opened with 20+ new accounts on my ChexSystems report

Citizens Bank

• Approved with 15+
• Approved with 13+

City National Bank

• Approved with 15+ in past year

Columbia Bank

• Approved with 25+ in the last 10 months
• Denied with 10 in the last 12 months (via e-mail on 10/14/20)

Comerica Bank

• Approved with 80+ in last 24 months

Current

• Approved with 60+

Digital Federal Credit Union (DCU)

• Approved with 100+

Discover

• Approved with 15+

East Boston Savings

• Approved with 15+

Excite Credit Union

• Approved with 8+ in the last 12 months

FirstBank [TN, GA, AL]

• Denied with 20+
• Denied with 7 in the last 12 months
• Denied with 20 in the last 12 months

FirstBank [CA, AZ, CO]

• Denied with 9 in the last 12 months

First Fidelity Bank

• Approved with 100+ in the last 24 months

First National Bank of Long Island

• Approved with 16 in last 12 months
• Denied with 30 in last 12 months

First Tennessee

• No issue with 30+ accounts on my ChexSystems report in last three years

Forcht Bank

• Approved with 30/50 in the last 12/24 months

Fulton Bank

• Approved with 12
• Approved with 50+ in the last 12 months
• Approved with 100+ in the last 24 months

GTE Financial

• Approved with 25+ in last 8 months
• Denied with fewer than 25 in last 8 months

Hanmi Bank

• Approved with 10+ in the last 12 months

HomeTrust

• Approved with lots of inquiries

HSBC

• Approved with 12 in the last 6 months

Interior Federal Credit Union

• Approved with 15 in last three months

Investor Bank

• Approved with 10+ in last 12 months

Lakeland Bank

• Approved with 20+ in the last 9 months
• Approved with 94 in the last 24 months

LegacyTexas

• Approved with 12+
• Denied with 25+

Liberty Savings Bank

• Approved with 25+

Lili Bank

• Approved with 2/1 , 5/2, 8/3, 16/6 , 26/9, 41/12 , 41/24
• Approved with lol/24

Mazuma Credit Union

• Approved with 25-30 new accounts

MECU Credit Union

• Approved with 43+ inquiries in the last 24 months

MSUFCU

• Denied with 30 in the last 12/24 months

Muncipal Credit Union

• Approved with 16 in the last 6 months, opened in branch

M&T Bank

• Over 30 accounts in last 12 months
• Approved with 6

My Banking Direct

• Approved with 15+

Northfield Bank

• Approved with 13 in last 12 months

NorthOne Bank

• Approved with 20 in the last 24 months

Old National Bank

• Approved with 20+
• Approved with 20+
• Denied with 10 in the last 12 months

P1FCU

• Approved with lol/24

Pinnacle Bank

• Approved with 10+

Porte Bank

• Approved with lol/24

Pyramax

• Approved with 15 in the last 12 months

Quorum Federal Credit Union

• Approved with lol/24

Republic Bank

• Approved with 40+

Redstone Federal Credit Union

• Approved with 85+ in last two years

Santander

• Approved with 15+
• Approved with 100+ in the last 24 months

Service Credit Union

• Approved with 100+ in the last 24 months

State Bank of India

• Approved with 30+ in last 12 months

Sterling Bank & Trust

• Denied with 5 in the last 3 months

Sterling National Bank

• Approved with 85 in the last 24 months

Stoneham

• Approved with 15+

TBK Bank

• Approved with lots

TCF Bank

• Approved with 20+

TD Bank

• Approved with 15+

Tech Credit Union

• Approved with 7 in last 3 months

TIAA Direct

• Approved with 15+

UMB Bank

• Approved with 60+ in last two years

Unify Financial Credit Union

• Denied with 4-5 inquiries
• Denied with 50+ inquiries
• Approved with 35 inquiries
• Approved with 12 inquiries in last 12 months
• Denied with 50+ inquiries

United Community Bank

• Approved with 20 in the last 12 months

United States Senate Federal Credit Union

• Approved with 46 in the last 24 months

Upgrade

• Approved with 10 in the last 12 months

U.S. Bank

• Approved with 15+

Visions Federal Credit Union

• Approved with 20 in the last 24 hours

Washington Savings Bank

• Approved with 12+ in the 12 months

Webster

• Approved with 15+

Wells Fargo

• Only deny accounts due to negative balances being reported on ChexSystems

Final Thoughts

I’ll update this page as more data points come in, but these reference articles are only as useful as you make them so make sure you share your data points and then everybody benefits.