Originally Posted by
JoeJetplane
I am sure if you have a checking account, they soft pull your credit like crazy trying to qualify you for credit cards, refinances, and crap.
But I don't think they can hard pull you if you don't ask for a line of credit. If they did I think you could complain.
JoeJetplane,
In short, your response is your opinion and not a factual answer. The previous responses to the OP and other similar posts clearly state that opening a checking or saving account quite often (but not always) results in a hard pull on your credit reports. The OP asked about hard pulls so your comment on soft pulls is not relevant. "complain" to whom and why? Further, what good would it do. The answer to the OP is, usually a hard pull is made, but not always. So either very carefully research the practices of the bank you are about to open an account or plan for a hard pull.