Someone posted here about this bank a couple of days ago. It appears that they are operating similarly to Unbrella bank in that when you apply for a checking account they will also approve you for: Products Available to Bank accounts and unsecured loans No Fee Checking Great Rate Savings Certificate of Deposit Overdraft Protection Personal Line of Credit VISA Credit Card These products are available to residents of: California Washington Oregon Florida Nevada Arizona Colorado and their other products. Secured Loans Home Equity Loan / Line of Credit Vehicle Purchase Loan All U.S. Residents Mortgage All U.S. Residents PS - I called them today and was told for residents of the states listed above they pull Equifax. I may apply.
Hi, Thanks for the information Do the pull a soft inquiry like Umbrella when you apply for a checking account?
just called them - their cs rep SEEMED to think that it's a hard inquiry - but he wasn't 100 percent sure. My guess - it's a hard
how interesting, their pavilions seem to be all of the pavilions that marketplace bank is in presently. I have accounts with marketplace bank now, wonder what is happening to them.
I'm not going to apply - have to stay true to my oath (no applications til Nov It DID say at their site that they check with Equifax
I just looked at the marketplace bank homepage....seem to be sponspored by the same group..Amigus....anyway, when I opened my accounts with marketplace, a hard inquiry was drawn on equifax for CIBC
Hi, what kind of credit lines did they offer you along with the checking account? and with what scores?
with marketplace the offered me a $500 overdraft type account...which is nice..no fees attached to it, where are with umbrella, there is a 25$ fee to accept it..and there is no overlimit type fee, which I believe umbrella adds. I didn't inquire about credit cards when I applied. My score was 640ish with equifax at the time.
So you must have applied in a branch as it looks like they automatically approve or deny for cc's when you apply online?
yes, there wasn't an option to apply online at that time. I just called them...they are safewayselect on the west coast and marketplace bank on the east coast
for everyone,, I never ever thought, applying online for a checking acct, just that, no overdraft or anything, would result in a hard inquiry,,, so I went shopping last yr,, applying to all of them from a google search,,, I ended up with @ 10 new hards,, all pulled hard,, and it was a killer cause I did it in a matter of two days,,,,, never thought, by me depositing money with a bank would be defined as permissable purpose,, seeking new " credit",, and still to this day, on ex and eq the item saying whats neg,, gives this reason I was out desperately searching for new credit,,,,,, so beware, eq fico says it can take into account score wise when your out looking for the best deal on a house or car,,,,, but not for banking,,,,,,
bummer,,,, cant apply for marketplace online,, got to go into to marketplace pavillion,, only in florida,, safeway only for west coast,,,
