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Which banks check credit before opening a new checking account?

Established Contributor

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 April 2012. Case successfully closed May 2017, about 1 month after 60th payment. FAKO scores on close date: TU 695 EQ 697. Received discharge July 11th - took forever! Real EX day of discharge 624.
Message 1 of 13
12 REPLIES
Super Contributor

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

Wachcovia in San Antonio.

12/08/2017 FICO: EQ 843 TU 849 EX 844
Message 2 of 13
Moderator Emeritus

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

For us, Penfed, BofA, Wachovia, and Chevy Chase Bank within the DC area.
Message 3 of 13
Regular Contributor

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 02/2017 EQ 649, TU 642, EX 651

Cap 1 QS 5000 Cap 1 QS 6500, PenFed Promise 2500, NFCU GoRewards 8000 NFCU CLOC 4000
In the garden until 2018
Message 4 of 13
Frequent Contributor

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
Message 5 of 13
Established Contributor

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
Message 6 of 13
Super Contributor

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

Randolph Brooks FCU pulled TU for new checking account.
12/08/2017 FICO: EQ 843 TU 849 EX 844
Message 7 of 13
Epic Contributor

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.

Message 8 of 13
Established Contributor

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.
Message 9 of 13
Regular Contributor

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. 
Message 10 of 13