Did they do a HP to open the checking account? Where did you get the alert from?
The reasons SW gives can't be relied upon. Anything else change that you can see? Utilization increase?
Just checked my report, soft pull on 10/2. So why did it affect my score?
A soft pull would not have affected your score.
9 times out of 10, when someone posts something like this, there is some other change that they are not seeing. You could also have been rebucketed (which is of course the myFICO cop out response when we can't figure out what happened).
I've used that before, rebucketed, cause sometimes I just don't know!