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 Eagle Financial CU
- 3.11 American Express Bluebird
- 3.12 American Express Serve
- 3.13 American Heritage FCU
- 3.14 American Pride Bank
- 3.15 America’s Credit Union
- 3.16 Ameris Bank
- 3.17 Anchor Bank
- 3.18 Andigo Credit Union
- 3.19 Arizona Central Credit Union
- 3.20 Arizona State Credit Union
- 3.21 Arundel Federal Savings Bank
- 3.22 Arvest Bank
- 3.23 Aspiration
- 3.24 Associated Bank
- 3.25 Astoria Bank
- 3.26 Avidia Bank
- 3.27 Ballston Spa National Bank
- 3.28 BancorpSouth Bank
- 3.29 Bank of America
- 3.30 Bank of Colorado
- 3.31 Bank of Hawaii
- 3.32 Bank Of Lee’s Summit
- 3.33 Bank Of Maine
- 3.34 Bank Of Sun Prairie
- 3.35 Bank of Texas
- 3.36 Bank of the West
- 3.37 Bank & Trust
- 3.38 BankDirect
- 3.39 BankMutual
- 3.40 BankORION
- 3.41 BankPlus
- 3.42 Bankwell
- 3.43 BB&T
- 3.44 BBVA
- 3.45 BECU
- 3.46 Belco Community Bank
- 3.47 BethPage Credit Union
- 3.48 Blue Hills Bank
- 3.49 BMO Harris Bank
- 3.50 BOK Financial
- 3.51 Bridgeview Bank
- 3.52 BrightStar Credit Union
- 3.53 Bryn Mawr Trust(BMT)
- 3.54 California Bank & Trust
- 3.55 Cambridge Savings Bank
- 3.56 Camden National Bank
- 3.57 Capital Bank
- 3.58 Capital One 360
- 3.59 CBT Bank
- 3.60 Centennial Bank and Trust
- 3.61 Central Illinois Bank
- 3.62 Century Bank
- 3.63 Charles Schwab Bank
- 3.64 Chartway Credit Union
- 3.65 Chase Bank
- 3.66 Christian Community Credit Union
- 3.67 CIBM Bank
- 3.68 CIBC USA
- 3.69 Cincinnati Federal
- 3.70 Citadel Credit Union
- 3.71 Citibank
- 3.72 Citizens Bank
- 3.73 City National Bank
- 3.74 Clearview Federal CU
- 3.75 Columbia Bank
- 3.76 Columbia State Bank
- 3.77 Columbia Credit Union
- 3.78 Commerce Bank
- 3.79 Communication FCU
- 3.80 Consumers Credit Union
- 3.81 Cornerstone Bank
- 3.82 Cornerstone Financial CU
- 3.83 Crane Credit Union
- 3.84 Credit Union One
- 3.85 Dearborn Savings Bank
- 3.86 Dedham Savings Bank
- 3.87 Destinations Credit Union
- 3.88 Deutsche Bank Trust Company Americas
- 3.89 Discover Bank
- 3.90 Dollar Bank
- 3.91 Eastern Bank
- 3.92 Easthampton Savings Bank
- 3.93 Elements Financial
- 3.94 Elevations Credit Union
- 3.95 ESL Federal Credit Union
- 3.96 Essex Bank
- 3.97 Fidelity Bank
- 3.98 F&M Bank
- 3.99 Fifth Third Bank
- 3.100 Finn By Chase
- 3.101 First Bank And Trust
- 3.102 First Bank Financial Centre
- 3.103 First Bank Missouri
- 3.104 First Bank Virginia
- 3.105 FirstBank
- 3.106 FirstBank (TN)
- 3.107 First Citizens Bank & Trust Company
- 3.108 First Federal Bank Wisconsin
- 3.109 First Mark Credit Union
- 3.110 First Merchants Bank
- 3.111 First Merit Bank
- 3.112 First Midwest Bank
- 3.113 First National Bank (Utah)
- 3.114 First Niagara Bank
- 3.115 First Tennessee Bank
- 3.116 First Trade Union Bank
- 3.117 First United Bank
- 3.118 FirstBank
- 3.119 Five Star Bank
- 3.120 Florida Community Bank
- 3.121 Flushing Bank
- 3.122 FOCUS Bank
- 3.123 Forcht Bank
- 3.124 Frost Bank
- 3.125 Fulton Bank
- 3.126 Great Lakes Credit Union
- 3.127 Greater Nevada Credit Union
- 3.128 Greenhouse By Wells Fargo
- 3.129 GTE Financial
- 3.130 Harborone Bank
- 3.131 Heritage Credit Union
- 3.132 Hiway Federal CU
- 3.133 HomeStreet Bank
- 3.134 HomeTrust Bank
- 3.135 HSBC Bank USA
- 3.136 Huntington Bank
- 3.137 Iberiabank
- 3.138 IBM Southeast FECU
- 3.139 Ideal Credit Union
- 3.140 Insight Prepaid & Savings
- 3.141 Johnson Bank
- 3.142 JSC Federal Credit Union
- 3.143 KeyBank
- 3.144 Lake Michigan Credit Union
- 3.145 Landmark Credit Union
- 3.146 LegacyTexas
- 3.147 Level One Bank
- 3.148 LGE Community Credit Union
- 3.149 Liberty Bank
- 3.150 Liberty Bank For Savings
- 3.151 Logix Credit Union
- 3.152 Lyons National Bank
- 3.153 M&T Bank
- 3.154 Macatawa Bank
- 3.155 Mango Money
- 3.156 Marquette Bank
- 3.157 MB Financial Bank
- 3.158 MemoryBank
- 3.159 Middlesex Savings Bank
- 3.160 MidFirst Bank
- 3.161 MoneyLion
- 3.162 Montgomery County EFCU
- 3.163 Mountain America Credit Union
- 3.164 MountainOne
- 3.165 MUFG Union Bank
- 3.166 My Banking Direct
- 3.167 Nationwide Bank
- 3.168 NBC Oklahoma
- 3.169 Newtown Savings Bank
- 3.170 New York Community Bank
- 3.171 North Shore Bank
- 3.172 Northpointe Bank
- 3.173 Northwest Bank
- 3.174 Northwest Savings Bank
- 3.175 Nutmeg Credit Union
- 3.176 NuVision Federal Credit Union
- 3.177 Ocean First Bank
- 3.178 Old National Bank
- 3.179 Old Second Bank
- 3.180 OneWest Bank
- 3.181 Orange County Credit Union
- 3.182 OUR Credit Union
- 3.183 Pelican State Credit Union
- 3.184 PenFed
- 3.185 PeoplesBank
- 3.186 PeoplesBank (bankatpeoples.com)
- 3.187 People’s United Bank
- 3.188 Peoples Bancorp
- 3.189 Picatinny Federal CU
- 3.190 Pinnacle Bank
- 3.191 PNC Bank
- 3.192 Popular Community Bank
- 3.193 Premier America Credit Union
- 3.194 Prosperity Bank
- 3.195 Provident Credit Union
- 3.196 Radius Bank
- 3.197 Red Rocks Credit Union
- 3.198 Regions Bank
- 3.199 Reliant Community CU
- 3.200 Republic Bank
- 3.201 Ridgewood Savings Bank
- 3.202 S&T Bank
- 3.203 Salal Credit Union
- 3.204 Salem Five Bank
- 3.205 Sallie Mae Bank
- 3.206 Sandy Spring Bank
- 3.207 Santander Bank
- 3.208 Scottrade Bank
- 3.209 Seacoast Bank
- 3.210 SECU
- 3.211 Security Service Federal Credit Union
- 3.212 Selco Community Credit Union
- 3.213 Signature Bank
- 3.214 Simple Bank
- 3.215 SmartyPig
- 3.216 Solvay Bank
- 3.217 Southland CU
- 3.218 Spire Credit Union
- 3.219 Stanford Federal CU
- 3.220 Star Financial
- 3.221 Star One Credit Union
- 3.222 Stoneham Bank
- 3.223 Sun East Federal Credit Union
- 3.224 Sunflower Bank
- 3.225 Suntrust
- 3.226 Susquehanna Bank
- 3.227 Talmer Bank & Trust
- 3.228 TCF Bank
- 3.229 TD Bank
- 3.230 TDECU
- 3.231 Tech CU
- 3.232 Telhio Credit Union
- 3.233 Texas Capital Bank
- 3.234 Texas Dow Employees Credit Union
- 3.235 The Bank Of Canton
- 3.236 The Provident Bank
- 3.237 TIAA Bank
- 3.238 Tobyhanna
- 3.239 Town Bank
- 3.240 TrustCo Bank
- 3.241 TruStone Financial
- 3.242 U.S. Bank
- 3.243 UFB Direct
- 3.244 UMB Bank
- 3.245 Unify Financial CU
- 3.246 Union Bank and Trust
- 3.247 Union Plus Prepaid
- 3.248 Unity Bank
- 3.249 University Federal CU
- 3.250 USAA Federal Savings Bank
- 3.251 Valley National Bank
- 3.252 Valor Credit Union
- 3.253 Vantage West Credit Union
- 3.254 Vibrant Credit Union
- 3.255 Washington Federal
- 3.256 Washington Savings Bank
- 3.257 Webster Bank
- 3.258 Wells Fargo Bank
- 3.259 WesBanco
- 3.260 Western State Bank
- 3.261 Westfield Bank
- 3.262 Westerra Credit Union
- 3.263 Whitney Bank
- 3.264 Wintrust 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 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 |
Top/Trending Offers You May Like
- BMO Harris $200 & $350 Bonuses
- Chase Business Checking $300 Bonus
- Bank Of America $100 Bonus Offer
- Chase Total Checking® $200 Bonus
- TD Beyond Checking $300 Bonus
- HSBC Premier Checking $500 Bonus
- Aspiration Checking $150/$200 Bonus
- J.P. Morgan Self-Directed Investing $625 Cash
- Ally Invest Up To $3,000 Bonus
- Axos $100/$200 Checking & Savings Bonuses
- TradeStation Cash & Crypto Offers
I did not see this bank on the list for soft pull.
Wells Fargo