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Home Bank Promotions

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

Tony Jay by Tony Jay
August 11, 2023 11:41 am CDT
in Bank Promotions
2
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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:

  • 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

Americaโ€™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 Leeโ€™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

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

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.

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Tony Jay

Tony Jay

Hey there! I'm Tony, a personal finance enthusiast.

If you're looking to maximize your savings, I've got you covered. From exclusive banking promotions and investing bonuses, to exciting credit card offers, I'll keep you in the loop on the hottest deals in town.

Join me here at MoneysMyLife and let's embark on this adventure together. Contact me here.

Comments 2

  1. Barb says:
    7 years ago

    I did not see this bank on the list for soft pull.

    Loading...
    Reply
  2. Barb says:
    7 years ago

    Wells Fargo

    Loading...
    Reply

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Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Disclaimer: These responses are not provided or commissioned by the bank advertiser, credit card issuer, hotel, airline or other entity. Responses have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. It is not the bank advertiser's or any other entity's responsibility to ensure all posts and/or questions are answered.

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