@butterpecan I reviewed my Chex System report Discover did pull Chex. My scenario is different than yours I have been a Discover credit card customer for 33 years in September and banking customer for 10 to 15 years. I added the checking account in May 2020. I do not remember Discover asking about pulling a credit report when I opened the checking account. This may be due to the extablished relationship that I have with them. You could start the process and see if they ask to pull the credit report or not. If they do you could cancel the process. Just a thought. Whatever your decision is replacing B of A may the new bank or credit union be the best fit for your banking needs.
Footnote: When I was doing the research for American Consumer Council post I cannot tell you how many credit unions I started the opening account process to make sure that was an option.
FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal
