Associated Bank - chex pull only (thanks, pondus 8/09)
1st USA Bank - Hard pull from TU (sandeeppotdar, 6/09)
Banco Popular - chex pull only (6/09)
Bank of America (in-branch, existing credit cardholder) - hard pull
Bank of America (on-line, new customer) - hard pull from TU(IL address), multiple reports of two hard pulls
Bank of America (on-line, new customer) - no hard pull from TU and Ex. opened at 7/19/2009
Bank of Blue Valley - Hard Pull EQ 1/09
Bank of the West (in-branch/online) - ChexSystems only 8/08
Chase/JP Morgan Chase (in-branch) - YMMV - slc39 ChexSystems only 3/09 (existing account holder); SoxFan1 says hard pull from TU for new accounts; viptext says opposite (but was existing credit card holder)
does ing do hard pull on their savings account? anyone has the experience? thanks.
posted: Jun. 16, 2009 @ 3:48p
Fidelity credit cards --issued by FIA-- do a hard pull. Forgot to ask which agency 6/09.
posted: Jun. 18, 2009 @ 9:19a
Ing didn't do a hard pull on my savings account, but then again, I opened my first Ing account several years ago...
posted: Jun. 18, 2009 @ 2:11p
Southern Community Bank & Trust - Hard Pull from Equifax (6/08 - Opened in Branch) Salem Five - Hard Pull from Equifax (8/07 - Opened Online) Pentagon Federal Credit Union - Hard Pull from Equifax (1/08 - Opened Online)
posted: Jun. 19, 2009 @ 11:28p
Citibank checking (online) - hard pull from Experian.
btw, which credit monitoring service will also monitor the soft pull? my creditchecktotal does not. and what is ChexSystum and again which can monitor this?
posted: Jun. 25, 2009 @ 1:59p
PNC Bank - no hard pull for a checking account (05/09) Wachovia - hard pull for checking (04/09) Connexus Credit Union - hard pull for rewards checking (04/09) Sovereign Bank - no hard pull for checking (02/09) M&T Bank - no hard pull for checking (04/09)
Senior Member - 2K
posted: Jun. 25, 2009 @ 2:11p
Hard pull and chex for wells fargo. Soft pull and chex for capital one.
slc39 said: Anyone know if Pacific Resource Credit Union (in California) does hard pulls?
Yes they do.
posted: Jul. 23, 2009 @ 5:16p
Waffles said: slc39 said: Anyone know if Pacific Resource Credit Union (in California) does hard pulls?
Yes they do.
posted: Jul. 26, 2009 @ 12:00a
Folks , Could someone please hell me here with the terminolgy used. What are hard pulls, soft pulls and chex as used in this post? Thanks.
posted: Jul. 28, 2009 @ 10:08a
Hard pulls - The banks pull your credit report in a way that shows up as a "hard credit inquiry". Usually you get this when you apply for a credit card, mortgage, car loan. Hard pulls hurt your credit score, at least for a few months.
Soft pulls - The banks pull your credit report but you are the only one who sees that. No other creditor pulling your report should be able to see a soft pull. Soft pulls do NOT affect your credit score, good or bad.
Chex - Banks usually make an inquiry on ChexSystems, a credit bureau for banks. It shows how many banks you've tried to open accounts at. Too many ChexSystems inquiries, and a bank may turn you away (for various reasons -- you might be a check kiter, a fraudster, a money launderer, or less excitingly, someone who's not going to be profitable and won't stick around -- in other words, just there for the opening bonus or high interest or whatever benefit they're offering at the time).
Senior Member - 3K
posted: Aug. 14, 2009 @ 12:57p
anyone have any experience with any of the follow banks?
California Bank and Trust Cathay Bank Union Bank of California Keypoint Credit Union East West Bank Comerica Bank
posted: Aug. 15, 2009 @ 11:54p
NASA Federal Credit Union - hard pull Equifax 7-2007 (just fell off my report 8-2009)
posted: Aug. 17, 2009 @ 12:22p
Two more points:
M&I (Marshall & Ilsley) was going to do a hard one and let me walk out without opening a checking. I remember a few years ago they were going to pull a hard one just to open a safety deposit box.
Associated Bank (branch mgr.) said they would only pull Chex. I may test it out to get their $50 bonus, and will report.
posted: Sep. 1, 2009 @ 10:42p
Community National Bank - hard pull Experian 8-2009
posted: Sep. 14, 2009 @ 9:48p
thank you for the link slc39.
I have something to add: Wachovia free business checking. No hard pull. Chex system pull.
Disclaimer: By providing links to other sites, FatWallet.com does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to FatWallet.com.
Members of our community may attach files to a post in accordance with the User Agreement. FatWallet is not responsible for the content, accuracy, completeness or validity of any information contained in any attached file. Files have *not* been scanned for viruses. Be especially wary of Excel files which may contain malicious content.
Earn Cash Back while you shop - just 3 simple steps.
1. Sign Up so we know who to pay! (It's FREE.)
2. Shop through FatWallet for deals from your favorite stores. Your online purchases earn Cash Back that builds in your FatWallet account.
3. Get Paid by requesting a payment via check or PayPal.
FatWallet coupons help you save more when shopping online. Use our Coupons Search to browse coupons and offers from thousands of stores, gathered into one convenient location.
As part of our FatWallet Community, you can share deals with almost a million shoppers in our forums. Forum content is generated by consumers for consumers. Share deals, money-saving tips, and more. It's FREE, fun, and addicting.
Our customer experience team is here around the clock - real people ready to assist.