Below you will find the most comprehensive list of Hard Pull/Soft Pull aka Hard Inquiries/Soft Inquiries on all banks in the United States.
When opening a checking or savings account to take advantage of the higher interest rates or sign-up bonuses, it’s important to know whether to the bank will do a hard pull or a soft pull.
Having too many hard inquiries can negatively affect your credit score with higher interst loan or insurance rates. Therefore it may not be worth opening the checking or savings account.
Based on the reported experiences of the many consumers online from sites such as FicoForums, Slickdeals, CreditBoards, Flyertalk, etc, we’ll put together the most extensive list of Banks(alphabetically) on the type of inquiry they will perform whenever opening a checking or savings account.
Click on Review to read more in-depth explanation for each bank bonus such as direct deposit(full list of what count), account type, expiration date, hard or soft pull, credit card funding, geographical restrictions, additional bonus requirements, and early closure fee. Please help us update our list with your own personal experience by commenting below.
Disclaimer: We make no promise the information below is 100% correct since banks change their way of checking credit often.
Hard Pull/Soft Pull Top 100 Banks(Alphabetical):
Hard Pull/Soft Pull Regional Banks(Alphabetical):
|Chase SapphireSM Checking||$1,000 Cash||Review|
|Chase Private Client||$2,000 Cash||Review|
|Chase Total Business Checking®||$200 Cash||Review|
|Chase Premier Plus CheckingSM||$300 Cash||Review|
|Chase Total Checking® + Chase SavingsSM||$350 Cash||Review|
|Discover Bank Online Savings||$200 Cash||Review|
|CIT Bank Savings Builder||$200 Cash||Review|
|Discover Cashback Debit||$360 Cash||Review|
|HSBC Premier Checking Member FDIC||$700 Cash||Review|
|HSBC Advance Checking Member FDIC||$350 Cash||Review|
|Chase College CheckingSM||$100 Cash||Review|
|TD Bank Beyond Checking||$300 Cash||Review|
|TD Bank Convenience CheckingSM||$150 Cash||Review|
|Huntington 5 Checking||$200 Cash||Review|
|Huntington Bank Unlimited Plus Business Checking||$750 Cash||Review|
|Huntington Bank Unlimited Business Checking||$400 Cash||Review|
|Huntington Bank Business Checking 100||$200 Cash||Review|