Contents
- 1 What is a Hard Inquiry?
- 2 What is a Soft Inquiry?
- 3 Hard Pull Vs. Soft Pull Data For Banks With Promotions
- 3.1 1st Mariner Bank
- 3.2 1st United Credit Union
- 3.3 ACNB
- 3.4 Advance Financial Federal Credit Union
- 3.5 Alliant Credit Union
- 3.6 Ally Bank
- 3.7 Amboy Direct
- 3.8 American Express Bluebird
- 3.9 American Express Serve
- 3.10 American Heritage FCU
- 3.11 America’s Credit Union
- 3.12 Anchor Bank
- 3.13 Andigo Credit Union
- 3.14 Arizona Central Credit Union
- 3.15 Arizona State Credit Union
- 3.16 Arvest Bank
- 3.17 Associated Bank
- 3.18 Astoria Bank
- 3.19 Avidia Bank
- 3.20 BancorpSouth Bank
- 3.21 Bank of America
- 3.22 Bank of Colorado
- 3.23 Bank of Hawaii
- 3.24 Bank Of Lee’s Summit
- 3.25 Bank Of Maine
- 3.26 Bank of Texas
- 3.27 Bank of the West
- 3.28 Bank & Trust
- 3.29 BankDirect
- 3.30 BankMutual
- 3.31 BankORION
- 3.32 BankPlus
- 3.33 BB&T
- 3.34 BBVA Compass
- 3.35 BECU
- 3.36 BethPage Credit Union
- 3.37 Blue Hills Bank
- 3.38 BMO Harris Bank
- 3.39 BOK Financial
- 3.40 Bridgeview Bank
- 3.41 BrightStar Credit Union
- 3.42 Bryn Mawr Trust(BMT)
- 3.43 Camden National Bank
- 3.44 Capital One 360
- 3.45 Centennial Bank and Trust
- 3.46 Charles Schwab Bank
- 3.47 Chartway Credit Union
- 3.48 Chase Bank
- 3.49 Christian Community Credit Union
- 3.50 Cincinnati Federal
- 3.51 Citadel Credit Union
- 3.52 Citibank
- 3.53 Citizens Bank
- 3.54 City National Bank
- 3.55 Clearview Federal CU
- 3.56 Columbia Bank
- 3.57 Columbia Credit Union
- 3.58 Commerce Bank
- 3.59 Consumers Credit Union
- 3.60 Cornerstone Bank
- 3.61 Crane Credit Union
- 3.62 Dedham Savings Bank
- 3.63 Destinations Credit Union
- 3.64 Deutsche Bank Trust Company Americas
- 3.65 Discover Bank
- 3.66 Dollar Bank
- 3.67 Easthampton Savings Bank
- 3.68 Elements Financial
- 3.69 Elevations Credit Union/Buff One
- 3.70 ESL Federal Credit Union
- 3.71 EverBank
- 3.72 Fidelity Bank
- 3.73 F&M Bank
- 3.74 Fifth Third Bank
- 3.75 First Bank And Trust
- 3.76 First Bank Financial Centre
- 3.77 FirstBank
- 3.78 First Citizens Bank & Trust Company
- 3.79 First Mark Credit Union
- 3.80 First Merit Bank
- 3.81 First National Bank (Utah)
- 3.82 First Niagara Bank
- 3.83 First Tennessee Bank
- 3.84 First Trade Union Bank
- 3.85 FirstBank
- 3.86 Five Star Bank
- 3.87 Florida Community Bank
- 3.88 Flushing Bank
- 3.89 FOCUS Bank
- 3.90 Frost Bank
- 3.91 Fulton Bank
- 3.92 Great Lakes Credit Union
- 3.93 Greater Nevada Credit Union
- 3.94 GTE Financial
- 3.95 Harborone Bank
- 3.96 HomeStreet Bank
- 3.97 HSBC Bank USA
- 3.98 Huntington Bank
- 3.99 Iberiabank
- 3.100 IBM Southeast FECU
- 3.101 Ideal Credit Union
- 3.102 Insight Prepaid & Savings
- 3.103 Johnson Bank
- 3.104 KeyBank
- 3.105 Lake Michigan Credit Union
- 3.106 Landmark Credit Union
- 3.107 LegacyTexas
- 3.108 Level One Bank
- 3.109 LGE Community Credit Union
- 3.110 Liberty Bank
- 3.111 Liberty Bank For Savings
- 3.112 Logix Credit Union
- 3.113 M&T Bank
- 3.114 Mango Money
- 3.115 Marquette Bank
- 3.116 MB Financial Bank
- 3.117 MemoryBank
- 3.118 Middlesex Savings Bank
- 3.119 MidFirst Bank
- 3.120 Montgomery County EFCU
- 3.121 Mountain America Credit Union
- 3.122 MountainOne
- 3.123 MUFG Union Bank
- 3.124 My Banking Direct
- 3.125 Nationwide Bank
- 3.126 Newtown Savings Bank
- 3.127 New York Community Bank
- 3.128 North Shore Bank
- 3.129 Northpointe Bank
- 3.130 Northwest Bank
- 3.131 Northwest Savings Bank
- 3.132 Nutmeg Credit Union
- 3.133 NuVision Federal Credit Union
- 3.134 Ocean First Bank
- 3.135 Old National Bank
- 3.136 Old Second Bank
- 3.137 OneWest Bank
- 3.138 Orange County Credit Union
- 3.139 Pelican State Credit Union
- 3.140 PenFed
- 3.141 People’s United Bank
- 3.142 Peoples Bancorp
- 3.143 Pinnacle Bank
- 3.144 PNC Bank
- 3.145 Popular Community Bank
- 3.146 Premier America Credit Union
- 3.147 Prosperity Bank
- 3.148 Provident Credit Union
- 3.149 Radius Bank
- 3.150 Regions Bank
- 3.151 Reliant Community CU
- 3.152 Republic Bank
- 3.153 S&T Bank
- 3.154 Salem Five Bank
- 3.155 Sallie Mae Bank
- 3.156 Sandy Spring Bank
- 3.157 Santander Bank
- 3.158 Scottrade Bank
- 3.159 Seacoast Bank
- 3.160 Security Service Federal Credit Union
- 3.161 Selco Community Credit Union
- 3.162 Signature Bank
- 3.163 Simple Bank
- 3.164 SmartyPig
- 3.165 Solvay Bank
- 3.166 Spire Credit Union
- 3.167 Stanford Federal CU
- 3.168 Star One Credit Union
- 3.169 Stoneham Bank
- 3.170 Sun East Federal Credit Union
- 3.171 Suntrust
- 3.172 Susquehanna Bank
- 3.173 Talmer Bank & Trust
- 3.174 TCF Bank
- 3.175 TD Bank
- 3.176 Tech CU
- 3.177 Telhio Credit Union
- 3.178 Texas Capital Bank
- 3.179 Texas Dow Employees Credit Union
- 3.180 The Bank Of Canton
- 3.181 The Provident Bank
- 3.182 TIAA Direct
- 3.183 Tobyhanna
- 3.184 TrustCo Bank
- 3.185 U.S. Bank
- 3.186 UFB Direct
- 3.187 UMB Bank
- 3.188 Union Bank and Trust
- 3.189 Union Plus Prepaid
- 3.190 Unity Bank
- 3.191 USAA Federal Savings Bank
- 3.192 Valley National Bank
- 3.193 Valor Credit Union
- 3.194 Vibrant Credit Union
- 3.195 Washington Federal
- 3.196 Webster Bank
- 3.197 Wells Fargo Bank
- 3.198 WesBanco
- 3.199 Whitney Bank
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 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 United Credit Union |
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 Express Bluebird |
Soft Pull |
American Express Serve |
Soft Pull |
American Heritage FCU |
Hard Pull |
America’s Credit Union |
Hard Pull |
Anchor Bank |
Soft Pull |
Andigo Credit Union |
Soft Pull |
Arizona Central Credit Union |
Hard Pull |
Arizona State Credit Union |
Soft Pull |
Arvest Bank |
Soft Pull |
Associated Bank |
Soft Pull |
Astoria Bank |
Soft Pull |
Avidia 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 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 |
BB&T |
*Soft (More Hard Pull Reports Lately) |
BBVA Compass |
Hard Pull |
BECU |
Soft Pull |
BethPage Credit Union |
Soft |
Blue Hills Bank |
Soft Pull |
BMO Harris Bank |
Soft Pull (If Pre-Approved) Hard Pull (If Not Pre-Approved) |
BOK Financial |
Soft Pull |
Bridgeview Bank |
Soft Pull |
BrightStar Credit Union |
Soft Pull |
Bryn Mawr Trust(BMT) |
Soft Pull |
Camden National Bank |
Soft Pull |
Capital One 360*Capital One As Well |
Soft Pull |
Centennial Bank and Trust |
Soft Pull |
Charles Schwab Bank |
Hard Pull |
Chartway Credit Union |
Soft Pull |
Chase Bank |
Soft Pull |
Christian Community Credit Union |
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 Credit Union |
Soft In-Branch; Hard Online |
Commerce Bank |
Soft Pull |
Consumers Credit Union |
Hard Pull |
Cornerstone Bank |
Hard Pull |
Crane Credit Union |
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 |
Easthampton Savings Bank |
Soft Pull |
Elements Financial |
Soft Pull |
Elevations Credit Union/Buff One |
Soft Pull |
ESL Federal Credit Union |
Soft Pull |
EverBank |
Hard Pull |
Fidelity Bank |
Soft Pull |
F&M Bank |
Soft Pull |
Fifth Third Bank |
Soft Pull |
First Bank And Trust |
Soft Pull |
First Bank Financial Centre |
Soft Pull |
FirstBank |
Soft Pull |
First Citizens Bank & Trust Company |
Hard Pull |
First Mark Credit Union |
Hard Pull |
First Merit 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 |
FirstBank |
Soft Pull |
Five Star Bank |
Soft Pull |
Florida Community Bank |
Soft Pull |
Flushing Bank |
Soft Pull |
FOCUS Bank |
Soft Pull |
Frost Bank |
Soft Pull |
Fulton Bank |
Soft Pull |
Great Lakes Credit Union |
Hard Pull |
Greater Nevada Credit Union |
Soft Pull |
GTE Financial |
Hard Pull |
Harborone Bank |
Soft Pull |
HomeStreet 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 |
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 |
M&T 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 |
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 |
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 |
Pelican State Credit Union |
Hard Pull |
PenFed |
Hard Pull |
People’s United Bank |
Soft Pull |
Peoples Bancorp |
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 |
Regions Bank |
Soft Pull |
Reliant Community CU |
Soft Pull |
Republic Bank |
Hard Pull |
S&T Bank |
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 |
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 |
Spire Credit Union |
Hard Pull |
Stanford Federal CU |
Soft Pull |
Star One Credit Union |
Soft Pull |
Stoneham Bank |
Soft Pull |
Sun East Federal Credit Union |
Soft Pull |
Suntrust |
Soft Pull |
Susquehanna Bank |
Soft Pull |
Talmer Bank & Trust |
Soft Pull |
TCF Bank |
Soft Pull |
TD Bank |
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 Direct |
Both |
Tobyhanna |
Hard Pull |
TrustCo Bank |
Soft Pull |
U.S. Bank |
Soft Pull |
UFB Direct |
Soft Pull |
UMB Bank |
Soft Pull |
Union Bank and Trust |
Soft Pull |
Union Plus Prepaid |
Soft Pull |
Unity Bank |
Soft Pull |
USAA Federal Savings Bank |
Soft Pull |
Valley National Bank |
Soft Pull |
Valor Credit Union |
Hard Pull |
Vibrant Credit Union |
Hard Pull |
Washington Federal |
Soft Pull |
Webster Bank |
Soft Pull |
Wells Fargo Bank |
Soft Pull |
WesBanco |
Soft Pull |
Whitney Bank |
Soft Pull |
*If you have Soft/Hard Pull data on a promotion offering bank that isn’t listed above, please comment below so that I can update for everyone!
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CIT Bank is offering a 1.75% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. 
Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. 
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I did not see this bank on the list for soft pull.
Wells Fargo