06-24-2009 08:57 AM
Just curious if NFCU does the same as Alliant and PenFed - hard pull for membership/savings? I joined and app'ed for several credit products, so I'm not sure what inq's were for what.
Have a friend that wants to join (is qualified) but doesn't want to apply for credit or get hard inq because is planning to close on a refi in the next 60 days. I couldn't say for sure on the inq for just joining and starting savings/checking.
06-24-2009 09:57 AM - edited 06-24-2009 04:17 PM
Doesn't look like they do a hard pull for opening an account. I have 2 hard pulls on my report from them , 12/08 applied for CC, and 06/09, applied for CC. I have soft pulls from 5/09 when they do their periodic review. I've been with them since 10/08. When I opened the account looks like they did a soft pull.
06-24-2009 11:09 AM - edited 06-24-2009 11:11 AM
When I joined I only opened a savings account & there was no hard pull. This was back in March. I think they have softed me since. I have 3 hard pulls for my Visa, MC, & auto re-fi I'm working on. (which sucks but if my re-fi is approved I don't plan to app for anything for a long time)
I've opened several bank accounts in the last 3-4 months (for bank bonuses) & found that most only do a hard if a checking account is involved. I think I only had 1 do a hard for a savings account only.
06-24-2009 11:25 AM
03-17-2010 09:08 AM
Has anyone had experience with this lately? I really want to join (no credit products yet) , but should be closing my mortgage within a month so didn't need a hard.
03-17-2010 09:39 AM
03-17-2010 04:54 PM
No hard or soft for me when I opened checking and savings this past fall.
This is an older thread that was brought current again to check for possible changes, btw.
03-17-2010 05:05 PM
Navy does an Equifax soft pull when you open accounts.
And when you apply for loans or CC, they do a hard Equifax-only pull usually I think, unless it is on ice then they will try to hard EX or TU.
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