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Frequent Contributor
Posts: 487
Registered: ‎05-11-2007
0

Which banks check credit before opening a new checking account?

Considering opening a 2nd checking account but do not want any more inquiries right now. Would especially help to hear from "southern" friends but appreciate all input.
Filed Chapter 13 bankruptcy 04/12 after two and a half years in a DMP. So wish we would have done the BK sooner. Live and learn!
Super Contributor
Posts: 5,722
Registered: ‎10-06-2007
0

Re: Which banks check credit before opening a new checking account?

Wachcovia in San Antonio.

09/10/2016 FICO: EQ: 797 EX:788 TU:795
Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0

Re: Which banks check credit before opening a new checking account?

For us, Penfed, BofA, Wachovia, and Chevy Chase Bank within the DC area.
Regular Contributor
Posts: 236
Registered: ‎01-18-2009
0

Re: Which banks check credit before opening a new checking account?

Chase and BofA in Dallas.
Filed BK 07/07/15 Discharged 10/07/15
Starting scores 11/2015 EQ 567 TU 487 EX 531
Current scores 07/2016 EQ 634, TU 618, EX 631

Cap 1 QS 4500 Cap QS 3000 NFCU GoRewards 1000 NFCU CLOC 500
In the garden until 04/ 2017
Frequent Contributor
Posts: 320
Registered: ‎05-03-2009
0

Re: Which banks check credit before opening a new checking account?


Math_Rocks wrote:
Considering opening a 2nd checking account but do not want any more inquiries right now. Would especially help to hear from "southern" friends but appreciate all input.

US Bank does soft pull only for verification.

I want PATIENCE...and I want it NOW
Established Contributor
Posts: 760
Registered: ‎04-30-2007
0

Re: Which banks check credit before opening a new checking account?

Every CU I've dealt with in the past three years pulls a hard to open any account.  
pattycake's FICOs: 6/2/10 - TU: 708; EX: ???; EQ: 749
Super Contributor
Posts: 5,722
Registered: ‎10-06-2007
0

Re: Which banks check credit before opening a new checking account?

Randolph Brooks FCU pulled TU for new checking account.
09/10/2016 FICO: EQ: 797 EX:788 TU:795
Epic Contributor
Posts: 22,398
Registered: ‎01-17-2008
0

Re: Which banks check credit before opening a new checking account?

Wells Fargo does.  The other ones I have used in the past 20 years are only from the Pacific NW.  If you want the names I will gladly give them to you.

Established Contributor
Posts: 504
Registered: ‎03-27-2009
0

Re: Which banks check credit before opening a new checking account?

Wachovia did not pull for either my husband or I but that was 8 months ago and on their "Refer a Friend" that we apped so no idea if that has changed or not.
Regular Contributor
Posts: 160
Registered: ‎03-08-2008
0

Re: Which banks check credit before opening a new checking account?

Every bank I have banked with pulls.  Currently, Wachovia, did a pull, but they didnt refuse me a checking account due to credit and my score at the time was in the upper 400's. 

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