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 FatWallet, 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.