Originally Posted by
patrick.barnes
The downsides to Schwab are:
* Hard pull to establish a checking account.
* Mobile deposits also a hard pull and not guaranteed approval.
* Slow ACH.
* ATM reimbursement is hit and miss.
The upsides:
* Real bank with routing number.
* Card looks nice (compared to Fidelity).
Pretty similar offerings really...
"Mobile deposits also a hard pull"

I know they do a credit inquiry for initial account opening, but what does it mean "Mobile deposits also a hard pull" ?