What Banks & Credit Unions Do/Don’t Pull Early Warning Services?

Early warning services is a similar specialty nationwide consumer reporting agency to ChexSystems. It’s mainly used in determining if you should be approved or denied for deposit accounts, one thing a financial institution might look at is the number of recent inquiries you have on EWS report. We thought it would be useful that do and don’t pull your Early Warning Services report. We have a similar list for ChexSystems. Please contribute additional datapoints in the comments so we can continue to improve this resource page, also let us know if you’ve been denied for an account due to too many EWS inquiries.

Ally

• Does pull: 1

American Express

• Does pull: 1,

Arizona FCU

• Does pull: 1,

Associated Bank

• Doesn’t pull: 1

AZ Federal Credit Union

• Does pull: 1,

Bank of America

• Does pull: 1, 2, 3, 4,
• Didn’t pull for savings: 1

Bank of the West

• Doesn’t pull: 1,

BB&T

• Does pull: 1, 2, 3,

BBVA

• Does pull: 1, 2, 3, 4,

Branch Banking and Trust

• Does pull: 1, 2, 3,

Broadway Bank

• Does pull: 1,

CapEd

• Does pull: 1,

Capital One

• Does pull: 1, 2, 3,

Capital One 360

• Does pull: 1

CFG Community Bank

• Does pull: 1,

Charles Schwab

• Does pull: 1,

Chase

• Does pull: 1 (me), 2, 3, 4, 5, 6, 7, 8,

Chime

• Doesn’t pull: 1,

Citibank

• Does pull: 1, 2, 3,

Citizens Bank (RI)

• Does pull: 1

City National Bank WV

• Doesn’t pull: 1

Discover

• Does pull: 1
• Doesn’t pull: 1,

DCU

• Doesn’t pull: 1,

Delta CCU

• Does pull: 1,

Elements Financial

• Doesn’t pull: 1,

Fidelity

• Does pull: 1, 2, 3,

Fifth Third Bank

• Does pull: 1, 2,

Fulton Bank

• Doesn’t pull: 1

Goldman Sachs

• Does pull: 1,

Heritage Bank

• Does pull: 1,

HSBC

• Does pull: 1, 2, 3 (savings), 4 (checking)

Huntington Bank

• Does pull: 1

KeyBank

• Doesn’t pull: 1
• Does pull: 1, 2,

Live Oak Bank

• Doesn’t pull: 1,

Nadex

• Doesn’t pull: 1,

Navy Federal

• Does pull: 1

Nokomis

• Does pull: 1,

NorthOne

• Doesn’t pull: 1,

OceanFirst

• Does pull: 1,

PNC

• Does pull: 1, 2, 3,4, 5,

Presidential

• Does pull: 1,

Regions Bank

• Does pull: 1, 2, 3, 4, 5,

Royal Credit Union

• Doesn’t pull: 1,

Santander

• Does pull: 1, 2, 3,

Stash

• Does pull: 1,

Suntrust

• Does pull: 1, 2, 3 (personal), 4 (business)

TBK Bank

• Does pull: 1,

TCF Bank

• Does pull: 1,

TD Bank

• Does pull: 1, 2

Trustco

• Does pull: 1,

TruStone Financial Credit Union

• Doesn’t pull: 1,

Unify

• Doesn’t pull: 1,

Union Bank

• Does pull: 1

Upgrade

• Does pull: 1,

USAA

• Does pull: 1

U.S Bank

• Does pull: 1, 2, 3, 4,

Varo

• Doesn’t pull: 1,

Wells Fargo

• Does pull: 1 (me), 2, 3, 4, 5, 6,
• Business: 1,