I got a hard pull from Schwab a few weeks ago fo no good reason. I was using it as a hub account and had very high transfers in December/January, but then end of February I did a few small transfers as usual and got the hard pull. Still fighting to get that removed. Some automatic algorithm triggered the HP and nobody there can tell me why. I've moved all my activity to a CU. I don't need a checking account doing HPs for no reason.