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Frequent Contributor
Math_Rocks
Posts: 466
Registered: ‎05-11-2007

Which banks check credit before opening a new checking account?

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‎07-22-2009 07:28 PM

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!
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marty56
Posts: 5,660
Registered: ‎10-06-2007

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

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‎07-22-2009 07:29 PM

Wachcovia in San Antonio.

06/15/2012 FICO: EQ: 798 TU:785
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llecs
Posts: 31,430
Registered: ‎08-04-2007

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

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‎07-22-2009 07:39 PM

For us, Penfed, BofA, Wachovia, and Chevy Chase Bank within the DC area.
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armymom
Posts: 204
Registered: ‎01-18-2009

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

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‎07-22-2009 07:57 PM

Chase and BofA in Dallas.
EQ Fico 01/10 743
TU Fico 01/10 716
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illtakecreditforthat
Posts: 320
Registered: ‎05-03-2009

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

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‎07-22-2009 09:35 PM

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
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Established Contributor
pattycake
Posts: 753
Registered: ‎04-30-2007

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

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‎07-22-2009 10:31 PM

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
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marty56
Posts: 5,660
Registered: ‎10-06-2007

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

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‎07-23-2009 02:14 AM

Randolph Brooks FCU pulled TU for new checking account.
06/15/2012 FICO: EQ: 798 TU:785
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guiness56
Posts: 13,251
Registered: ‎01-17-2008

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

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‎07-23-2009 02:38 AM

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.

Credit Scoring 101
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Closing Credit Cards
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Susyquk
Posts: 504
Registered: ‎03-27-2009

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

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‎07-23-2009 03:33 AM

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.
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mbush12
Posts: 160
Registered: ‎03-08-2008

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

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‎07-23-2009 09:53 AM

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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