Jump to content

Sign in to follow this  

Does Citibank pull my credit when opening a checking account?

Recommended Posts

I've read they always did. But about a year ago when I opened a checking account with Citibank there was no hard inquiry. I already had a savings and a couple credit cards with them, so maybe that had something to do with it. YMMV

Share this post

Link to post
Share on other sites

Not with my business checking account here in California, opened about 2 months ago. YMMV. They do pull CHEX.

Edited by PunisherSD

Share this post

Link to post
Share on other sites

My EX/EQ/TU CRs are all frozen, Chex is not. I applied for a Citi Checking account for an account bonus. I believe they tried to pull Experian, and failed. I called Citi, and was told that they couldn't verify my identification. The CSR mentioned that I should stop in at a local branch, and that they would likely need my license. I stopped by the local branch, but they could not find my initial application in the computer. After providing the documentation for the original offer, the CSR started a new app instead.


The computer would not automatically open the account, but the CSR called Chex manually - and I was approved.


So, I definitely think it's possible to open a Citi Checking with a hard pull on the big three.

I'm guessing they will try to pull a hard on either EX/EQ/TU if you try online- but Chex + identification seems to suffice in person.

Edited by ChrisJ500

Share this post

Link to post
Share on other sites

I opened a Citi checking account 2 years ago but made sure not to include a OD CL as my credit was crap then. They didn't pull a CR. Six months after that I opened a Secured CC with Citi and they pulled a hard at that time as expected.

Share this post

Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  

  • Today's Birthdays

    No users celebrating today.
  • Member Statistics

    • Total Members
    • Most Online

    Newest Member

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information