Called them before opening an account and rep advised me no credit check and that they don't pull Chexsystems or EWS (early warning systems). Afterwards I downloaded the mobile app and applied for an online checking account and got a message that says "we'll let you know if you're approved"? I thought to myself "what's there to approve if they're not pulling a consumer report"? Next morning I wake up and check my email and they denied me for an online checking account! They never even asked to see I copy of my DL? I've lived at the same address for over a year! Who in the hell does that? I'm going to pull a copy of ALL of my consumer reports and find out what report they looked at and left an inquiry! Be careful with these MORONS and make sure you order ALL of your consumer reports after applying! They're either severely incompetent about which consumer reports they pull, or they flat out lied! Both equally disturbing!