Get a $750 Welcome Deposit for eligible new customers who open an 
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 Source Bank
- 3.3 1st United Credit Union
- 3.4 3Rivers FCU
- 3.5 ACNB
- 3.6 Advance Financial Federal Credit Union
- 3.7 Alliant Credit Union
- 3.8 Ally Bank
- 3.9 Amboy Direct
- 3.10 American Express Bluebird
- 3.11 American Express Serve
- 3.12 American Heritage FCU
- 3.13 America’s Credit Union
- 3.14 Anchor Bank
- 3.15 Andigo Credit Union
- 3.16 Arizona Central Credit Union
- 3.17 Arizona State Credit Union
- 3.18 Arundel Federal Savings Bank
- 3.19 Arvest Bank
- 3.20 Associated Bank
- 3.21 Astoria Bank
- 3.22 Avidia Bank
- 3.23 BancorpSouth Bank
- 3.24 Bank of America
- 3.25 Bank of Colorado
- 3.26 Bank of Hawaii
- 3.27 Bank Of Lee’s Summit
- 3.28 Bank Of Maine
- 3.29 Bank Of Sun Prairie
- 3.30 Bank of Texas
- 3.31 Bank of the West
- 3.32 Bank & Trust
- 3.33 BankDirect
- 3.34 BankMutual
- 3.35 BankORION
- 3.36 BankPlus
- 3.37 BB&T
- 3.38 BBVA Compass
- 3.39 BECU
- 3.40 BethPage Credit Union
- 3.41 Blue Hills Bank
- 3.42 BMO Harris Bank
- 3.43 BOK Financial
- 3.44 Bridgeview Bank
- 3.45 BrightStar Credit Union
- 3.46 Bryn Mawr Trust(BMT)
- 3.47 Camden National Bank
- 3.48 Capital One 360
- 3.49 Centennial Bank and Trust
- 3.50 Charles Schwab Bank
- 3.51 Chartway Credit Union
- 3.52 Chase Bank
- 3.53 Christian Community Credit Union
- 3.54 CIBC USA
- 3.55 Cincinnati Federal
- 3.56 Citadel Credit Union
- 3.57 Citibank
- 3.58 Citizens Bank
- 3.59 City National Bank
- 3.60 Clearview Federal CU
- 3.61 Columbia Bank
- 3.62 Columbia Credit Union
- 3.63 Commerce Bank
- 3.64 Consumers Credit Union
- 3.65 Cornerstone Bank
- 3.66 Crane Credit Union
- 3.67 Credit Union One
- 3.68 Dearborn Savings Bank
- 3.69 Dedham Savings Bank
- 3.70 Destinations Credit Union
- 3.71 Deutsche Bank Trust Company Americas
- 3.72 Discover Bank
- 3.73 Dollar Bank
- 3.74 Easthampton Savings Bank
- 3.75 Elements Financial
- 3.76 Elevations Credit Union
- 3.77 ESL Federal Credit Union
- 3.78 EverBank
- 3.79 Fidelity Bank
- 3.80 F&M Bank
- 3.81 Fifth Third Bank
- 3.82 Finn By Chase
- 3.83 First Bank And Trust
- 3.84 First Bank Financial Centre
- 3.85 FirstBank
- 3.86 First Citizens Bank & Trust Company
- 3.87 First Federal Bank Wisconsin
- 3.88 First Mark Credit Union
- 3.89 First Merit Bank
- 3.90 First National Bank (Utah)
- 3.91 First Niagara Bank
- 3.92 First Tennessee Bank
- 3.93 First Trade Union Bank
- 3.94 FirstBank
- 3.95 Five Star Bank
- 3.96 Florida Community Bank
- 3.97 Flushing Bank
- 3.98 FOCUS Bank
- 3.99 Frost Bank
- 3.100 Fulton Bank
- 3.101 Great Lakes Credit Union
- 3.102 Greater Nevada Credit Union
- 3.103 GTE Financial
- 3.104 Harborone Bank
- 3.105 HomeStreet Bank
- 3.106 HSBC Bank USA
- 3.107 Huntington Bank
- 3.108 Iberiabank
- 3.109 IBM Southeast FECU
- 3.110 Ideal Credit Union
- 3.111 Insight Prepaid & Savings
- 3.112 Johnson Bank
- 3.113 KeyBank
- 3.114 Lake Michigan Credit Union
- 3.115 Landmark Credit Union
- 3.116 LegacyTexas
- 3.117 Level One Bank
- 3.118 LGE Community Credit Union
- 3.119 Liberty Bank
- 3.120 Liberty Bank For Savings
- 3.121 Logix Credit Union
- 3.122 Lyons National Bank
- 3.123 M&T Bank
- 3.124 Macatawa Bank
- 3.125 Mango Money
- 3.126 Marquette Bank
- 3.127 MB Financial Bank
- 3.128 MemoryBank
- 3.129 Middlesex Savings Bank
- 3.130 MidFirst Bank
- 3.131 Montgomery County EFCU
- 3.132 Mountain America Credit Union
- 3.133 MountainOne
- 3.134 MUFG Union Bank
- 3.135 My Banking Direct
- 3.136 Nationwide Bank
- 3.137 Newtown Savings Bank
- 3.138 New York Community Bank
- 3.139 North Shore Bank
- 3.140 Northpointe Bank
- 3.141 Northwest Bank
- 3.142 Northwest Savings Bank
- 3.143 Nutmeg Credit Union
- 3.144 NuVision Federal Credit Union
- 3.145 Ocean First Bank
- 3.146 Old National Bank
- 3.147 Old Second Bank
- 3.148 OneWest Bank
- 3.149 Orange County Credit Union
- 3.150 Pelican State Credit Union
- 3.151 PenFed
- 3.152 People’s United Bank
- 3.153 Peoples Bancorp
- 3.154 Pinnacle Bank
- 3.155 PNC Bank
- 3.156 Popular Community Bank
- 3.157 Premier America Credit Union
- 3.158 Prosperity Bank
- 3.159 Provident Credit Union
- 3.160 Radius Bank
- 3.161 Regions Bank
- 3.162 Reliant Community CU
- 3.163 Republic Bank
- 3.164 S&T Bank
- 3.165 Salem Five Bank
- 3.166 Sallie Mae Bank
- 3.167 Sandy Spring Bank
- 3.168 Santander Bank
- 3.169 Scottrade Bank
- 3.170 Seacoast Bank
- 3.171 Security Service Federal Credit Union
- 3.172 Selco Community Credit Union
- 3.173 Signature Bank
- 3.174 Simple Bank
- 3.175 SmartyPig
- 3.176 Solvay Bank
- 3.177 Spire Credit Union
- 3.178 Stanford Federal CU
- 3.179 Star One Credit Union
- 3.180 Stoneham Bank
- 3.181 Sun East Federal Credit Union
- 3.182 Suntrust
- 3.183 Susquehanna Bank
- 3.184 Talmer Bank & Trust
- 3.185 TCF Bank
- 3.186 TD Bank
- 3.187 Tech CU
- 3.188 Telhio Credit Union
- 3.189 Texas Capital Bank
- 3.190 Texas Dow Employees Credit Union
- 3.191 The Bank Of Canton
- 3.192 The Provident Bank
- 3.193 TIAA Direct
- 3.194 Tobyhanna
- 3.195 TrustCo Bank
- 3.196 U.S. Bank
- 3.197 UFB Direct
- 3.198 UMB Bank
- 3.199 Union Bank and Trust
- 3.200 Union Plus Prepaid
- 3.201 Unity Bank
- 3.202 USAA Federal Savings Bank
- 3.203 Valley National Bank
- 3.204 Valor Credit Union
- 3.205 Vibrant Credit Union
- 3.206 Washington Federal
- 3.207 Webster Bank
- 3.208 Wells Fargo Bank
- 3.209 WesBanco
- 3.210 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 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 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 |
Arundel Federal Savings Bank |
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 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 |
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 |
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 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 |
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 |
Easthampton Savings Bank |
Soft Pull |
Elements Financial |
Soft Pull |
Elevations Credit Union |
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 |
Finn By Chase |
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 Federal Bank Wisconsin |
Soft 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 |
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 |
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!
MoneysMyLife Top Offer Picks  With 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review.
 Get a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities. Member FDIC. Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review  Barclays has two great card offers that should interest many who are looking for a solid travel rewards credit card.The Barclaycard Arrival® Plus World Elite Mastercard® has a 60,000 miles sign-up bonus worth $630 in travel. You'll be able to earn unlimited 2X miles on every purchase and there are no foreign transaction fees to worry about. See Terms. Full ReviewThe Barclays Arrival® Premier World Elite Mastercard® will earn you 75,000 miles each year (worth $750) if you spend $25,000 on purchases during the year. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review |
CIT Bank is offering a 1.85% 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 is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. 
Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. 
I did not see this bank on the list for soft pull.
Wells Fargo