Discover Bank ChexSystems inquiry

dahx · ‎02-26-2024

Logged in a few days ago to schedule a payment for my Discover CC and out of sheer curiousity I paid a visit to their banking app page. If I remember correctly, it had my information prefilled, but then I bailed because I don't need an account at this time. Today, I received an alert that Discover Bank had made a hard inquiry, dated today 2/26, to chexsystems. Is this normal?

To be clear, It was a very early bail, I don't believe I went past the first step where it has my info prefilled and asks me if this is correct?

I don't have any emails or phone calls from the bank. Pretty sure I didn't actually apply for anything, at least, not intentionally.

Linnaea · ‎02-26-2024

Could be a pfishing scheme. I would check with Discover.

dahx · ‎02-26-2024

I believe it is legit. I had signed up for OnAlert by ChexSystems. Email came from: mail.onalertid.com and directs me to login for more details at https://portal.onalertid.com/

IcyCool7227 · ‎10-23-2025

That is why you should have your Chex file froz m like I do and only temporarily lift it for ones you're actually seriously going to apply to.

As of: 8/15/25:
EQ: 783 (prev. 798 on 1/10/25; 794 on 12/19/24; 781 on 9/20/24; 747 on 8/7/24; 781 on 7/1/24; 785 on 3/28/24. 778 on 2/6/24; 773 on 1/26/24; 750 on 1/7/24; 626 on 6/7/23 & 652 in April 2023) - FICO 8
EX: 766 (prev. 769 on 1/10/25; 767 on 10/26/24; 751 on 9/20/24; 729 on 8/7/24; 752 on 7/1/24; 761 on 755 on 2/6/24; 753 on 1/26/24; 732 on 1/7/24; 643 on 6/7/24; 619 in April 2023) - FICO 8
TU: 773 (prev. 768 on 1/10/25; 771 on 12/3/24; 756 on 9/6/24). - FICO 8.

Have:
- Amazon Prime Store Card: $10,000
- Amex Blue Cash Everyday (AU): $10,000
- Capital One Savor Cash Rewards: $3,600
- Chase Freedom Flex: $1,000
- Citi Custom Cash: $9,200
- Citi Double Cash: $8,000
- Citi Rewards +: $5,800
- Discover it Cashback: $2,500
- Kohl’s Charge: $3,000
- Mercury Rewards Visa: $4,390
- PayPal World Cashback MasterCard: $5,500

- Super Cash: Limit varies based on debit balance - doesn't show up in accounts anymore though on CRs.