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W
W (@guest_1844431)
May 13, 2024 23:33

Was a previous client of HSBC about 7 years ago, rejoined this year with no Chex pull.

Opened University FCU (CA) – No Chex (Seems like an oversight as they tried a month later with Chex frozen, but accounts stayed open). Same with Travis CU.

ogvon
ogvon (@guest_1843562)
May 12, 2024 01:13

I applied for Discover Cashback debit, something went wrong in the app and I had to call in, verify, and re-submit. Two inquiries for the day. I forget – do these combine since they are same day?

Gadget - Bank Bonus Geek 🔗
May 12, 2024 02:46

Normally they will combine to be only one inquiry when done on the same day. Give it a couple days. If it doesn’t happen, submit a dispute.

Eric 🔗
Eric 🔗 (@guest_1843599)
May 12, 2024 08:24

They might not combine because you applied 2 different ways. I applied for BFB online and in-branch on the same day and there are 2 separate inquiries that did not combine.

Consumer
Consumer (@guest_1843385)
May 11, 2024 13:50

These pulled:

Andrews FCU – 3/16/24 – for checking account application, saying couldn’t verify my address
Andrews FCU – 3/21/24 – sent in proof of address, they pulled again, still denied application
Eagle Bank – 4/14 – denied CD application
Ivy Bank (Cambridge Savings Bank) – 4/18 – approved savings account application

Both Andrews & Eagle cited Chex as reason for denial, but my Chex was clear and credit score was top tier. Just some BS for automated incompetence

If they’re not good enough to use human judgement to process applications, they’re not good enough to hold and make money off my money

Caitlin
Caitlin (@guest_1837951)
April 30, 2024 15:39

Did a Chex pull:
-BMO Harris
-Royal Credit Union
-Associated Bank
-Synchrony Bank

Did not pull:
-Wells Fargo
-US Bank
-Huntington Bank

Mixol0g1st
Mixol0g1st (@guest_1837692)
April 29, 2024 23:18

Associated bank pulled my Chex for my new checking account, 2024/03.

Didn’t pull again when I opened a CD a few weeks later.

Katie
Katie (@guest_1837609)
April 29, 2024 19:20

Forgot to mention on my last comment – Bank of America did deny a transfer to fund my account an cited Chex as the reason, but did allow me to open the account and deposit a paper check via the mobile app

Katie
Katie (@guest_1837606)
April 29, 2024 19:18

Inquiries, dates, and denials:

10/4/21 Fifth Third – don’t know why this is on here or for what product tbh
11/16/21 – Ally Bank, approved online

This year:

  1. 3/10/24 – Service Federal Credit Union, approved online
  2. 3/15/24- Citibank, approved online
  3. 4/5/24 – Citizens, approved online
  4. 4/11/24 Truist – approved online
  5. 4/15/24 – Dollar Bank, approved online
  6. 4/17/24 – Westfield Bank, denied online
  7. 4/22/24 Associated Bank, approved online
  8. 4/22/24 – Premier Bank, denied online
  9. 4/24/24 – First Commonwealth, denied online
  10. 4/24/24 – Flagstar Bank, denied online

Service Credit Union is listed under the “inquires viewed only by you” on the day after 5 of these applications

Didn’t pull Chex:
Bank of America
US Bank
Wells Fargo
Capital One
First Tech FCU
Huntington
Chase
F&M

NMBBFun
NMBBFun (@guest_1839744)
May 3, 2024 19:53

so it’s getting rejected after 4/22. How many total inquires you have and score range please?

NMBBFun
NMBBFun (@guest_1836990)
April 28, 2024 10:25

Chex pulled inquired on below:
BMO BANK N.A.
CITIBANK
FAIRWINDS CREDIT UNION
FIRST HORIZON BANK
FIRST SERVICE CREDIT UNION
FIRST NATIONAL BANK OF OMAHA
SECURITYPLUS FEDERAL CREDIT UNION
SERVICE FEDERAL CREDIT UNION
TRUIST BANK
UNITED HERITAGE CREDIT UNION
TRUIST BANK

Chex inquired was NOT pulled for below:
Capital One (Checking)
Chase
Chime
First Tech FCU
Go2 bank
Ground Floor (Investment)
Laurel Road (Savings only)
M1 Finance (Investment)
PNC
Regions
SoFi
Upgrade
Wells Fargo

FN
FN (@guest_1836802)
April 27, 2024 14:06

Vystar CU does use Chexsystems and I failed because of too many accounting opened recently. All for CD’s

CJ
CJ (@guest_1836747)
April 27, 2024 11:30

Hi, Synchrony Bank pulls ChexSystems. I requested a copy of my report and I had an inquiry from them when I opened a CD.