Real ChatGPT answer · index seedXBGQP1xFk80completeFinance and banking · checking and savings accountsinformational
Which major national banks still perform a soft credit pull instead of a hard inquiry when opening a new premium checking account today?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Which major national banks still perform a soft credit pull instead of a hard inquiry when opening a new premium checking account today?
1 real search · 1 real-search pass
major national banks premium checking account application soft credit inquiry hard pull 2026 Chase Sapphire Banking Bank of America Preferred Rewards checking Wells Fargo Premier checking CitigoldGoogle ↗
OBSERVEDOther / navigational
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
major national banks premium checking account application soft credit inquiry hard pull 2026 Chase Sapphire Banking Bank of America Preferred Rewards checking Wells Fargo Premier checking Citigold Google ↗
- Is Opening A Bank Account A Soft Or Hard Pull? · doctorofcredit.com
- Bank of America $100-$500 Checking Bonus · doctorofcredit.com
- Citi $325/$500/$2,000/$4,000 Checking Bonus · doctorofcredit.com
- TD Bank $300 Checking & $200 Savings [CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA] · doctorofcredit.com
- TD Bank Bonuses Archives · bankcheckingsavings.com
- Premier Checking Interest-Bearing Account · wellsfargo.com
- Does SoFi run a credit check when I apply for SoFi Checking and Savings? · support.sofi.com
Queries
1 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
major national banks premium checking account application soft credit inquiry hard pull 2026 Chase Sapphire Banking Bank of America Preferred Rewards checking Wells Fargo Premier checking Citigold OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |