Navy Federal Saving and Checking Hard Pull?

[SpiritSoul11]

Hello,

So, I recently applied for membership to Navy Federal over the phone and signed up for the membership savings. They hard pulled for membership, but now I am wondering if they would hard pull again if I wanted to sign up for a checking account? I am rebuilding my credit and I didn't want to lessen my chances by applying for a checking account at the same time. Does anyone have any experience in this area?

I am hoping to develop a relationship by regularly depositing money into the savings account for some time before applying for the nRewards Secured card, and then being considered for graduation. My ultimate goal is to eventually qualify for a mortgage and buy a home someday with them. Thank you.

[blindambition]

Are you sure that you weren't just alerted for new bank account? Membership and Checking/Savings is typically SP. All other products would be TU HP.

[SpiritSoul11]

Perhaps I am mistaken. I got an alert from Lexington Law that a new financial account had been opened. I assumed this meant they had hard pulled.

[blindambition]

It should only be an SP, bank accounts often trigger alerts on a CMS. Checking should again just be SP.

[SpiritSoul11]

Thank you.

[AllZero]

Congratulations on your membership!

[SpiritSoul11]

Thanks so much!

[Curious_George2]

Congratulations! Navy is amazing. 

FYI, since your initial goal is to build the relationship, you should consider setting up direct deposit into your Navy account if possible. A few months ago, a member here chatted up a Navy CSR (or maybe even underwriter?) who emphasized that DD is a big deal in their eyes.

Good luck!

[SirMilo]

Congrats on your Navy membership.

As others have stated, membership for Navy (checking/savings) is an SP unless something has changed in the last 2 months.

The only HP I saw was when I accepted the cashRewards CC offer a month ago.

[Anonymous]

I joined two weeks ago. Membership was a SP.