Does opening checking/CD create a hard pull?
 

I have not seen an inquiry on truecredit, so just wondering.

Under normal circumstances, especially if you're already a customer of that bank, it really shouldn't. That said, they do reserve the right to make an inquiry and sometimes do. If there's a specific account you're concerned about, check FW for advice.

Many banks do hard pulls for brand new account openings.

Citi has pulled my Experian report for every checking account I ever opened, and I've opened quite a few over the past 2 years. YMMV, but likely only w/r/t which credit reporting agency Citi pulls.

Like with churning, I wouldn't overdo the new account thing. You will encounter problems after a while, if you do it too frequently.

Citi pulled mine for a new checking account, but did not for a savings account and CD opened a couple weeks later.

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.