Hard Pull Vs. Soft Pull Data For Opening Top Bank Accounts

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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:

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 With 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 Pull
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
America’s 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 Lee’s 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 Harris Bank	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	Soft 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 Pull
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	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