Hard Pull/Soft Pull data for opening Checking and Savings accounts from banks that offer sign-up promotions can be found below.
Helpful pages for bank promotions:
- My Bank Promotions List
- Banks That Allow Credit Card Funding Opening Deposits
- Meeting Direct Deposit Requirements For Bank Promotions
- Banks With No International ATM Fees
Taking advantage of bank promotions and bonuses is a great way to make a little money on the side, but you have to take into consideration how it can affect your credit. This may be important to you if you’ll be applying for a loan in the near future, for example.
What is a Hard Inquiry?
- These inquiries DO affect your credit score.
- Can happen when opening Checking/Savings accounts from some banks.
- Other common situations where this will occur is when you apply for a loan, credit card, or mortgage.
- They will lower your credit score by a few points and may remain on your credit report for two years.
What is a Soft Inquiry?
- These inquiries DO NOT affect your credit score.
- Opening Checking/Savings accounts from some banks will only require a Soft Inquiry.
- Other situations include background checks and pre-approved credit card offers, for example.
- Soft inquiries may or may not be recorded in your credit report, depending on the credit bureau.
- Knowing this, you may want to consider those bank promotions that only do a Soft Inquiry first.
- *Tip: Many banks will only do a Hard Inquiry when Overdraft Protection is added to your account, so be sure to opt out of this if you don’t deem it necessary.
Hard Pull Vs. Soft Pull Data For Banks Withย Promotions
Disclaimer: This information below may change from time to time, so I make no guarantees at the time of your application. This data has been extracted from the experiences of other consumers online from trusted forums and websites when opening accounts for bank promotions.
Bank/Credit Union | Hard or Soft Pull? |
1st Mariner Bank |
Soft Pull |
1st Source Bank |
Soft Pull |
1st United Credit Union |
Soft Pull |
3Rivers FCU |
Soft Pull |
ACNB |
Soft Pull |
Advance Financial Federal Credit Union |
Soft Pull |
Alliant Credit Union |
Soft Pull |
Ally Bank |
Soft Pull |
Amboy Direct |
Soft Pullย |
American Eagle Financial CU |
Soft Pull |
American Express Bluebird |
Soft Pull |
American Express Serve |
Soft Pull |
American Heritage FCU |
Hard Pull |
American Pride Bank |
Soft Pull |
Americaโs Credit Union |
Hard Pull |
Ameris Bank |
Soft Pull |
Anchor Bank |
Soft Pull |
Andigo Credit Union |
Soft Pull |
Arizona Central Credit Union |
Hard Pull |
Arizona State Credit Union |
Soft Pull |
Arundel Federal Savings Bank |
Soft Pull |
Arvest Bank |
Soft Pull |
Aspiration |
Soft Pull |
Associated Bank |
Soft Pull |
Astoria Bank |
Soft Pull |
Avidia Bank |
Soft Pull |
Ballston Spa National Bank |
Soft Pull |
BancorpSouth Bank |
Soft Pull |
Bank of America |
Soft Pull |
Bank of Colorado |
Soft Pull |
Bank of Hawaii |
Soft Pull |
Bank Of Leeโs Summit |
Soft Pull |
Bank Of Maine |
Soft Pull |
Bank Of Sun Prairie |
Soft Pull |
Bank of Texas |
Soft Pull |
Bank of the West |
Soft Pull |
Bank & Trust |
Soft Pull |
BankDirect |
Soft Pull |
BankMutual |
Soft Pull |
BankORION |
Soft Pull |
BankPlus |
Hard Pull |
Bankwell |
Soft Pull |
BB&T |
*Soft (More Hard Pull Reports Lately) |
BBVA |
Soft Pull |
BECU |
Soft Pull |
Belco Community Bank |
Soft Pull |
BethPage Credit Union |
Soft |
Blue Hills Bank |
Soft Pull |
BMO |
Soft Pull |
BOK Financial |
Soft Pull |
Bridgeview Bank |
Soft Pull |
BrightStar Credit Union |
Soft Pull |
Bryn Mawr Trust(BMT) |
Soft Pull |
California Bank & Trust |
Soft Pull |
Cambridge Savings Bank |
Soft Pull |
Camden National Bank |
Soft Pull |
Capital Bank |
Soft Pull |
Capital One 360*Capital One As Well |
Soft Pull |
CBT Bank |
Soft Pull |
Centennial Bank and Trust |
Soft Pull |
Central Illinois Bank |
Soft Pull |
Century Bank |
Soft Pull |
Charles Schwab Bank |
Hard Pull |
Chartway Credit Union |
Soft Pull |
Chase Bank |
Soft Pull |
Christian Community Credit Union |
Soft Pull |
CIBM Bank |
Soft Pull |
CIBC USA |
Soft Pull |
Cincinnati Federal |
Soft Pull |
Citadel Credit Union |
Soft Pull |
Citibank |
Soft Pull |
Citizens Bank |
Mixed Reviews |
City National Bank |
Soft Pull |
Clearview Federal CU |
Soft Pull |
Columbia Bank |
Soft Pull |
Columbia State Bank |
Soft Pull |
Columbia Credit Union |
Soft In-Branch; Hard Online |
Commerce Bank |
Soft Pull |
Communication FCU |
Soft Pull |
Consumers Credit Union |
Hard Pull |
Cornerstone Bank |
Hard Pull |
Cornerstone Financial CU |
Hard Pull |
Crane Credit Union |
Soft Pull |
Credit Union One |
Soft Pull |
Dearborn Savings Bank |
Soft Pull |
Dedham Savings Bank |
Soft Pull |
Destinations Credit Union |
Soft Pull |
Deutsche Bank Trust Company Americas |
Soft Pull |
Discover Bank |
Soft Pull |
Dollar Bank |
Soft Pull |
Eastern Bank |
Soft Pull |
Easthampton Savings Bank |
Soft Pull |
Elements Financial |
Soft Pull |
Elevations Credit Union |
Soft Pull |
ESL Federal Credit Union |
Soft Pull |
Essex Bank |
Soft Pull |
Fidelity Bank |
Soft Pull |
F&M Bank |
Soft Pull |
Fifth Third Bank |
Soft Pull |
Finn By Chase |
Soft Pull |
First Bank And Trust |
Soft Pull |
First Bank Financial Centre |
Soft Pull |
First Bank Missouri |
Soft Pull |
First Bank Virginia |
Soft Pull |
FirstBank |
Soft Pull |
FirstBank (TN) |
Soft Pull |
First Citizens Bank & Trust Company |
Hard Pull |
First Federal Bank Wisconsin |
Soft Pull |
First Mark Credit Union |
Hard Pull |
First Merchants Bank |
Soft Pull |
First Merit Bank |
Soft Pull |
First Midwest Bank |
Soft Pull |
First National Bank (Utah) |
Soft Pull |
First Niagara Bank |
Soft Pull |
First Tennessee Bank |
Soft Pull |
First Trade Union Bank |
Soft Pull |
First United Bank |
Soft Pull |
FirstBank |
Softย Pull |
Five Star Bank |
Soft Pull |
Florida Community Bank |
Soft Pull |
Flushing Bank |
Soft Pull |
FOCUS Bank |
Soft Pull |
Forcht Bank |
Soft Pull |
Frost Bank |
Soft Pull |
Fulton Bank |
Soft Pull |
Great Lakes Credit Union |
Hard Pull |
Greater Nevada Credit Union |
Soft Pull |
Greenhouse By Wells Fargo |
Soft Pull |
GTE Financial |
Hard Pull |
Harborone Bank |
Soft Pull |
Heritage Credit Union |
Soft Pull |
Hiway Federal CU |
Hard Pull |
HomeStreet Bank |
Soft Pull |
HomeTrust Bank |
Soft Pull |
HSBC Bank USA |
Soft Pull |
Huntington Bank |
Soft Pull |
Iberiabank |
Soft Pull |
IBM Southeast FECU |
Hard Pull |
Ideal Credit Union |
Soft Pull |
Insight Prepaid & Savings |
Soft Pull |
Johnson Bank |
Soft Pull |
JSC Federal Credit Union |
Soft Pull |
KeyBank |
Soft Pull |
Lake Michigan Credit Union |
Hard Pull |
Landmark Credit Union |
Soft Pull |
LegacyTexas |
Soft Pull |
Level One Bank |
Soft Pull |
LGE Community Credit Union |
Soft Pull |
Liberty Bank |
Soft Pull |
Liberty Bank For Savings |
Soft Pull |
Logix Credit Union |
Hard Pull |
Lyons National Bank |
Soft Pull |
M&T Bank |
Soft Pull |
Macatawa Bank |
Soft Pull |
Mango Money |
Soft Pull |
Marquette Bank |
Soft Pull |
MB Financial Bank |
Soft Pull |
MemoryBank |
Soft Pull |
Middlesex Savings Bank |
Soft Pull |
MidFirst Bank |
Soft Pull |
MoneyLion |
Soft Pull |
Montgomery County EFCU |
Hard Pull |
Mountain America Credit Union |
Hard Pull |
MountainOne |
Soft Pull |
MUFG Union Bank |
Both |
My Banking Direct |
Soft Pull |
Nationwide Bank |
Soft Pull |
NBC Oklahoma |
Soft Pull |
Newtown Savings Bank |
Soft Pull |
New York Community Bank |
Soft Pull |
North Shore Bank |
Soft Pull |
Northpointe Bank |
Soft Pull |
Northwest Bank |
Soft Pull |
Northwest Savings Bank |
Soft Pull |
Nutmeg Credit Union |
Hard Pull |
NuVision Federal Credit Union |
Soft Pull |
Ocean First Bank |
Soft Pull |
Old National Bank |
Soft Pull |
Old Second Bank |
Soft Pull |
OneWest Bank |
Soft Pull |
Orange County Credit Union |
Soft Pull |
OUR Credit Union |
Soft Pull |
Pelican State Credit Union |
Hard Pull |
PenFed |
Hard Pull |
PeoplesBank |
Soft Pull |
PeoplesBank (bankatpeoples.com) |
Soft Pull |
People’s United Bank |
Soft Pull |
Peoples Bancorp |
Soft Pull |
Picatinny Federal CU |
Soft Pullย |
Pinnacle Bank |
Soft Pull |
PNC Bank |
Soft Pull |
Popular Community Bank |
Soft Pull |
Premier America Credit Union |
Soft Pull |
Prosperity Bank |
Soft Pull |
Provident Credit Union |
Soft Pull |
Radius Bank |
Soft Pull |
Red Rocks Credit Union |
Hard Pull |
Regions Bank |
Soft Pull |
Reliant Community CU |
Soft Pull |
Republic Bank |
Hard Pull |
Ridgewood Savings Bank |
Soft Pull |
S&T Bank |
Soft Pull |
Salal Credit Union |
Soft Pull |
Salem Five Bank |
Hard Pull |
Sallie Mae Bank |
Soft Pull |
Sandy Spring Bank |
Soft Pull |
Santander Bank |
Soft Pull |
Scottrade Bank |
Soft Pull (Checking account) Hard Pull (Brokerage account) |
Seacoast Bank |
Soft Pull |
SECU |
Soft Pull |
Security Service Federal Credit Union |
Soft Pull |
Selco Community Credit Union |
Hard Pull |
Signature Bank |
Soft Pull |
Simple Bank |
Soft Pull |
SmartyPig |
Soft Pull |
Solvay Bank |
Soft Pull |
Southland CU |
Soft Pull |
Spire Credit Union |
Hard Pull |
Stanford Federal CU |
Soft Pull |
Star Financial |
Soft Pull |
Star One Credit Union |
Soft Pull |
Stoneham Bank |
Soft Pull |
Sun East Federal Credit Union |
Soft Pull |
Sunflower Bank |
Soft Pull |
Suntrust |
Soft Pull |
Susquehanna Bank |
Soft Pull |
Talmer Bank & Trust |
Soft Pull |
TCF Bank |
Soft Pull |
TD Bank |
Soft Pull |
TDECU |
Soft Pull |
Tech CU |
Soft Pull |
Telhio Credit Union |
Hard Pull |
Texas Capital Bank |
Soft Pull |
Texas Dow Employees Credit Union |
Hard Pull |
The Bank Of Canton |
Soft Pull |
The Provident Bank |
Soft Pull |
TIAA Bank |
Soft Pull |
Tobyhanna |
Hard Pull |
Town Bank |
Soft Pull |
TrustCo Bank |
Soft Pull |
TruStone Financial |
Soft Pull |
U.S. Bank |
Soft Pull |
UFB Direct |
Soft Pull |
UMB Bank |
Soft Pull |
Unify Financial CU |
Soft Pull |
Union Bank and Trust |
Soft Pull |
Union Plus Prepaid |
Soft Pull |
Unity Bank |
Soft Pull |
University Federal CU |
ย Soft Pull |
USAA Federal Savings Bank |
Soft Pull |
Valley National Bank |
Soft Pull |
Valor Credit Union |
Hard Pull |
Vantage West Credit Union |
Soft Pull |
Vibrant Credit Union |
Hard Pull |
Washington Federal |
Soft Pull |
Washington Savings Bank |
Soft Pull |
Webster Bank |
Soft Pull |
Wells Fargo Bank |
Soft Pull |
WesBanco |
Soft Pull |
Western State Bank |
Soft Pull |
Westfield Bank |
Soft Pull |
Westerra Credit Union |
Soft Pull |
Whitney Bank |
Soft Pull |
Wintrust Bank |
Soft Pull |
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I did not see this bank on the list for soft pull.
Wells Fargo