Which banks check your banking history, how hard, and how many new accounts they'll tolerate.
What it is
ChexSystems is to bank accounts what credit bureaus are to cards: a shared record of your account openings and closures that banks consult before approving you. For anyone opening several accounts a year, each bank's pull type and tolerance is a planning input — the table below aggregates current field reports and updates as new ones arrive.
Current reports by institution
| Institution | Pull | Sensitivity | Sample |
|---|---|---|---|
| Chase | Soft | Low — approvals reported with several new accounts | field reports |
| Capital One | None reported | — | field reports |
| Wells Fargo | Soft | Low | field reports |
| BMO | Soft | Verify at publish | pending |
| Huntington | Soft | Moderate | field reports |