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#18794 List of Institutions that pull hard credit inquiries when opening a NON-CREDI...
Posted by scottjm on 20 March 2006 - 11:18 AM in General
Since questions about hard credit inquiries was asked here, I thought it would be useful to copy a list SUCKISSTAPLES's thread on FW regarding this issue. If you know a bank that does this and is not not listed below, please post bank name (and URL) in a reply to this thread.
Here they are:
American Express Co. pulled Experian for a One Financial account without margin (combination brokerage/savings).
ATTWS - equifax
Bank of America pulled Trans Union for a checking account.
Bank Of America - Pulled a hard enquiry after applying *only* for savings account.
Bank of Atlanta
Bank of New York pulled Experian for a checking account and a savings account.
Brookline Bank pulled Experian for a checking account.
Brown & Co. pulls a hard one for EACH account that you open with TransUnion.
Charter One Bank pulled Equifax for a checking account under the name St. Paul Bank Corp.
Chase Manhattan Bank pulled Trans Union for a checking account.
Cingular Wireless
Citibank pulled Equifax (for opening 6-month CD)
Citibank pulled Trans Unions for a checking and savings account opened at the same time.
Citizens - checking - equifax
Comcast cable TV and HSI
Costco AMEX car insurance ran a hard Inquiry on me
Countrywide
DCU (Digital Federal Credit Union) pulls a hard inquiry from Equifax when applying for membership.
Directv
Everbank pulled Experian for a Money Market Account.
Flagstar Bank
HARRIS BANK -- CD
Indiana Members Credit Union
Johnson & Johnson by Yale & Associates on Experian- employment
local gas & electric utility (We Energies - Wisconsin)
Local Honda dealer- check + 5K credit card
local Nissan dealer (Coral Springs Nissan Auto Mall) pulled a hard one when I browsed their inventory
Local Toyota dealership- cash transaction
MARQUETTE NATIONAL BANK -- CHECKING, SAVINGS, CD AND SAFE DEPOSIT BOX
Meadows Credit Union pulled Trans Union for a checking account.
mechanics bank (sf) did hard pull from equifax for a checking account.
Muriel Siebert & Co. pulled Experian for a brokerage account without margin.
Pentagon Federal Credit Union
Presidential Bank pulled Equifax for a checking account under the name Presidential Savings.
Principal Bank pulled Equifax for a checking account.
Progressive Insurance
Salem Five pulled Equifax for a checking account.
Schwab did hard pull from equifax for a checking account.
SCOTTRADE did a hard on my Equifax CR
Suntrust pulls an Equifax for opening of a checking account
T-Mobile for cell phone service on Transunion.
UFBDirect.com - 3.30% on High Yield Money Market Savings
US Bank
Verizon
Wells Fargo
source: fatwallet.com/forums/messageview.php?catid=52&threadid=260724
AmTrust http://www.amtrust.com/ Did a hard pull on a CD I did with them
Not sure why you listed utilities like Verizon. Comcast and Cingular, Those would be considered credit accounts. I was surprised recently when my home phone thru Verizion suddenly showed on my report after having it for over 10 years, Did not mind as it made my FICO go up. Anyone interested in maintaining a good credit score had better now treat utilities bill payments just like credit card and loan payments
#18775 5% emigrant direct 9 mo CD
#18766 Best CD rates in U.S. (updated on 03/15/06)
Posted by scottjm on 16 March 2006 - 11:15 AM in General
Another great thing is they have DIF so could put in as much as you want, Also they are 4 Star rated and over 4 Billion in size
http://www.middlesex...l/rates_cds.asp
#18640 low minium cd?
Posted by scottjm on 22 February 2006 - 02:07 PM in Bank Best Rates
#18631 Virtual Bank increases the rate of its Money Market account to 4.60%
Posted by scottjm on 21 February 2006 - 11:28 AM in Savings and Money Market Rates
does anyone know what is the rate for over $10K?
Not sure where you are reading that but they show 4.60 from $100 to $100,000+
Under $10,000.00 4.50% 4.60% $100 Min
$10,000.00 - $24,999.99 4.50% 4.60%
$25,000.00 - $49,999.99 4.50% 4.60%
$50,000.00 - $99,999.99 4.50% 4.60%
$100,000.00 and up 4.50% 4.60%
#18598 Virtual Bank increases the rate of its Money Market account to 4.60%
Posted by scottjm on 16 February 2006 - 02:00 PM in Savings and Money Market Rates
#18520 5% 5-month CD from BCP Bank (Astoria, Union and New Bedford North Branches only)
Posted by scottjm on 30 January 2006 - 12:00 PM in CD rates
https://www.dimedirect.com/6mocd5.htm
Dime Savings Bank - 5.00% APY 6 month CD
$500 min, 250K max, expires on February 21, 2006
One account per household
https://www.dimedirect.com/6mocd5.htm or call 800-321-3463
PROMO CODE 3169615
#18343 Indus American Bank
Posted by scottjm on 24 December 2005 - 12:10 PM in New Jersey
"I was sweet talked into opening an account at this bank by one of their employees at the local eatery"
#18311 Indus American Bank
Posted by scottjm on 15 December 2005 - 11:04 PM in New Jersey
History:
Nov 2004: Indus American Bank founded in New Jersey by Deepak Khanna & Meenu Khanna, Sharad & Lalita Wagle, Anil & Kumud Bansal, Pankaj & Sheetal Kapur, Amita Desai & Tom Birch, Umesh & Sonia Gidwani, Baleshwar & Ina Khanna, Andrew & Valerie Krieger
Dec 2004: Kevin Lenihan joins as the President and CEO of Indus American Bank
Aug 2005: Stock offering of $11.5 million
Nov 2005: Raised $12.5 million in Private Placement Offering
Dec 2005: Received Final Charter approval from State of New Jersey Dec. Received Final FDIC approval
Dec 2005: Opened the doors for business
#18280 new member question
Posted by scottjm on 07 December 2005 - 11:43 AM in General
http://www.salemfive...ashAccount.html
It works like this: As in the case of all FDIC-insured banks, the first $100,000 per depositor is covered by the Federal Deposit Insurance Corporation (FDIC). At Salem Five, however, amounts in excess of $100,000 are covered by the Depositors Insurance Fund (DIF). The result? Your deposits are completely protected--without limitation.
The FDIC was established by the U.S. Congress in 1933 with a mission to insure bank deposits. Originally set at $2,500, the FDIC's insurance limit has increased over time to the current coverage of $100,000 per depositor.
The DIF was established by the Massachusetts legislature in 1932 and started insuring deposits in 1934. Today, the DIF is a private insurer covering over $7 billion of depositors' funds in excess of the FDIC limit, in over 100 Massachusetts chartered savings banks.
We are pleased to provide answers to many commonly asked questions surrounding the specific benefits of both the FDIC and the DIF deposit insurance programs.
Questions & Answers
I've noticed that my bank displays the FDIC and DIF symbols. What does Member FDIC/Member DIF mean?
Both organizations insure depositors' funds against loss. The first $l00,000 per depositor is insured by the FDIC. All deposits above this amount are insured by the DIF.
Do all banks offer FDIC and DIF insurance coverage?
No. While there are other insuring entities, only Massachusetts-chartered savings banks offer the additional protection of DIF insurance.
Are all my deposits in Massachusetts chartered savings banks insured in full?
Yes. All types of deposit accounts are covered, including savings, checking, and NOW accounts; money market accounts; certificates of deposit; IRAs and Keoghs; and all other deposit accounts held with Massachusetts-chartered savings banks.
Has any depositor ever lost money in a Member FDIC/Member DIF bank?
No. The FDIC has always paid deposits in full up to its insurance limit. The DIF has always paid all deposits in excess of the FDIC's limit. No depositor has ever lost a penny in an FDIC/DIF member bank since either Fund was established.
How financially strong are the FDIC and the DIF?
The FDIC is backed by the full faith and credit of the U.S. Treasury. While the DIF is not backed by federal, state, or local governments, the Fund is very strong and has extensive recourses. The banking crisis of the late 1980s serves as a poignant example of the DIF's financial strength. In this period, 18 DIF member banks failed. These banks contained funds from over 6,300 excess depositors. Their excess deposits totaled $250 million. Each and every depositor was paid in full. This was the worst period in the history of the Massachusetts thrift industry, yet the Fund has more money today than it did at the start of the crisis.
Is the DIF subject to any form of regulatory scrutiny?
Yes. The DIF's financial records are examined regularly by the Massachusetts Commissioner of Banks, and audited annually by an independent auditor.
If a Member FDIC/Member DIF bank ever got into financial trouble, how would I get my money?
Based on past experience, arrangements would be made for all deposits to be automatically transferred to another bank. All your deposit funds would be available with no interruption of service.
I'd like to buy a CD for $125,000. Is it fully insured if I place it in one account, or will I need to open two accounts in different names?
You can buy a single CD for the entire amount. At a Member FDIC/Member DIF member bank, your deposits are fully insured, even if they exceed $l00,000.
Does the FDIC or the DIF insure investments in bank mutual funds?
No. Both the FDIC and DIF only cover deposits.
Where can I learn more about the FDIC and DIF?
Both the FDIC and DIF maintain websites where you can access additional information. Just click on the links for more information.
#18212 Top rates for Savings and Money Market accounts
Posted by scottjm on 18 November 2005 - 09:46 PM in Bank Best Rates
#18177 Top rates for Savings and Money Market accounts
Posted by scottjm on 08 November 2005 - 01:33 PM in Bank Best Rates
#18176 What are the negatives of chasing bonuses (bank/credit cards)?
Posted by scottjm on 08 November 2005 - 12:19 PM in General bank bonus discussion
#18168 4.23% APY with $50K Saving
Posted by scottjm on 07 November 2005 - 06:45 PM in Online banks
4.23% Passbook savings. Problem with most Passbooks accounts is you need to go into the bank.
#18151 Top rates for Savings and Money Market accounts
Posted by scottjm on 04 November 2005 - 01:37 PM in Bank Best Rates
They are offering a Passbook saving account at 4.07% with 25K Min. Rate guaranteed till 05/01/2006. Might only be good as a local deal, Located just North of Boston, as I don't know if you must go in for a Passbook account. Also offering a 8 month CD at 4.5%. Another plus is they have SIF which covers any amount over FDIC, Might now be time to take some $$ out of ING to open with them
http://www.equitable...com/intsav2.htm
#18143 Recommendation requested, details inside.
Posted by scottjm on 03 November 2005 - 06:48 PM in Online banks
#18141 Recommendation requested, details inside.
Posted by scottjm on 03 November 2005 - 06:40 PM in Online banks
Banks have failed and will continue to fail. If a bank crashes, you may have to wait a long time and get less interest than you previously thought.
Anyone can say anything about the Savings and Loan Crisis in the 80's ??? Pardon my ignorance.
What is FDIC Deposit Insurance?
--------------------------------------------------------------------------------
The FDIC was created by Congress in 1933 to make the savings of millions of Americans secure. The FDIC protects depositors' funds in the event of the financial failure of their bank or savings institution. The FDIC does not protect against losses due to fire, theft, or fraud, which are subject to other protections such as hazard and casualty insurance. FDIC also does not insure Non-Deposit Investment products (such as Stocks, Mutual Funds, and Annuities) that may be sold at a bank or savings institution.
When an institution is closed by its chartering authority, the FDIC makes payment of insured deposits to all of the failed institution's depositors as soon as possible, usually on the next business day after the closing. Those depositors who have funds in excess of the insurance limits receive the insured portion of their funds as described above. They also may receive a portion of their uninsured funds either at that time or as the assets of the failed institution are liquidated.
#18134 Top rates for Savings and Money Market accounts
Posted by scottjm on 03 November 2005 - 11:17 AM in Bank Best Rates
#18095 Top rates for Savings and Money Market accounts
Posted by scottjm on 30 October 2005 - 12:57 PM in Bank Best Rates
#18060 Best CD rates in US (Thanks Vivyip & uppchy!)
Posted by scottjm on 26 October 2005 - 01:18 PM in Bank lists by feature
http://www.statefarm...ank/fixrate.htm
#18039 Is better login security worth spent time?
Posted by scottjm on 24 October 2005 - 10:47 AM in General
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#18014 Top rates for Savings and Money Market accounts
Posted by scottjm on 22 October 2005 - 11:53 PM in Bank Best Rates
http://www.superiorsavings.com/
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