DCU checking account HP

[tryingagain62]

I was just approved for a DCU savings account. I'm thinking of switching my checking to DCU, would it be another HP to do that?

[gdale6]

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@tryingagain62 wrote:

I was just approved for a DCU savings account. I'm thinking of switching my checking to DCU, would it be another HP to do that?

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It is my understanding a single pull can be used for Checking/Savings/Membership if all done at same time, all credit products will be a separate HP for each one.

[Revelate]

I am fairly confident the HP is for membership (as with the majority of CU's), and not for checking/savings.

[tryingagain62]

What if it was not done at the exact same time? I applied a couple of hours ago for the savings account and was approved. If I apply now for the checking would it be another HP? DCU customer service is closed until Monday morning.

[tryingagain62]

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@Revelate wrote:

I am fairly confident the HP is for membership (as with the majority of CU's), and not for checking/savings.

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Sorry to be ignorant, but would it result in another HP to open a checking account?

[Revelate]

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@tryingagain62 wrote:

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@Revelate wrote:

I am fairly confident the HP is for membership (as with the majority of CU's), and not for checking/savings.

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Sorry to be ignorant, but would it result in another HP to open a checking account?

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No, but if concerned since I opened my accounts a long time ago, might as well call on Tuesday.

HP for membership, HP for credit products.  Neither checking nor savings is a credit product, no pull is my understanding.

[tryingagain62]

Thanks Revelate,

I'm new to a lot of this. I appreciate the feedback from you and everyone else on this forum. Maybe I can help someone some day.

[CreditUnionFan]

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@Revelate wrote:

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@tryingagain62 wrote:

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@Revelate wrote:

I am fairly confident the HP is for membership (as with the majority of CU's), and not for checking/savings.

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Sorry to be ignorant, but would it result in another HP to open a checking account?

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No, but if concerned since I opened my accounts a long time ago, might as well call on Tuesday.

HP for membership, HP for credit products.  Neither checking nor savings is a credit product, no pull is my understanding.

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When I spoke to them on Friday, everything checking or otherwise is a HP, regardless of previous account relationships. I had to agree to a HP for a business checking account, and if I wanted any adjustment on my current car loan, or a CLI or APR reduction on my Visa, those would each be additional HPs, each and every one of them.

[Darrell82]

I know at my credit union they use the same hard pull for 30 days but i would wait it out and call them on tuesday to verify that. I opened my checking and savings at same time. But 2 weeks later i applied for a credit card a secured loan and a personal loan and they used the same pull from when i opened account earlier that month. Good luck and hope that is the case for them as well. 

[clocktick]

Do they pull EX?