Does NFCU hard pull for joining (membership) without credit application?

[Anonymous]

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.

[virgoprincess823]

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.

Message Edited by virgoprincess823 on 06-24-2009 07:17 PM

[mt2va]

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. 

Message Edited by mt2va on 06-24-2009 11:11 AM

[marty56]

Just joined  RBFCU and they did a hard pull on TU.  They told me upfront that they would.  IMHO these days a checking account would get you a hard INQ.

[Anonymous]

I joined NFCU last month with savings and checking accounts. Did not have a hard inquiry for either account.

[lkcrew426]

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.

[Anonymous]

I joined two weeks ago.  No hard for the membership pull. 

[lkcrew426]

Thanks!

[haulingthescoreup]

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.

[Anonymous]

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.