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hi, i have had a lot of luck with huntington bank, seems they don't check names at all....i have 5 accounts and only one has the right name but they all work fine never had a problem and they let you have more than one checking account, so it makes it really easy

Good info!

For those who dont know what a hard pull is, it is an actual inquiry that will show up on your credit file and stay for 2 years.

And it does slightly effect your FICO score a small amount unless you start getting a bunch of them and it will drive your score downward.

finally CapitalOne 360 (former ING) called me today, asked me to stop accepting paypal fund with mismatched name or they will close the account for me. I immediately closed all my online saving accounts

I use a real time (read paid) credit monitoring service and have not had a hard pull from State Farm for a bank account.

Being on the cards to happen.

Not a fan of Capital One.

I would expect there were some reasons in the application that this happened.

Possible age factor or other issues.

All banks have the right to do a hard credit report.

Usually they base this on risk factors.

Did they discuss anything with you on the matter?

:typing:

most banks have the right to do a hard credit check but I havn't heard of anybody actually having it happen to them

No US bank has the right to pull a hard on you without your consent. They can pull a soft, which doesn't affect your report. Many banks pull your chex report which is different.

State farm is known to pull a hard on checking account applications. One of the few banks that do that. They also pull from all 3 bureaus if you apply for a Visa. Screw them.

how badly mismatched were names?

ING had problems and so it continues with CapitalOne...ugh terrible. I have not tried with ING since it was acquired by a different bank up here too

totally different name, including first and last name, both different

also, I would say, HSBC is not a good choice either, I must be on their blacklist, on 2011 I opened an online account on their website and try to withdraw some 180 fund, then they called me to close my account, and of course the fund was returned to paypal.

I don't have problem with this bank.
However, they allow you just several ACH transactions on saving account a month.

There may have been other issues.

HSBC used correctly is a great bank.

I can confirm Harris Bank.

Very pleased.

Hope they dont get abused :) again...always a tip to keep the fees minimum if possible with minimum balance ...

If your account goes 0 or negative for more than 90 days, the account will be autoclosed.