Pool

Pool does not check your credit. We do not run hard or soft credit inquiries, and do not report anything back to credit bureaus. 

Signing up for Pool will have no effect on your credit score at all.

What sort of credit checks does Pool run? Does Pool run a hard credit inquiry? Does signing up affect my credit score?

Does Pool run a credit check?

* Pool is a financial technology company, not a bank. All banking services provided by First Internet Bank, Member FDIC. FDIC insurance is provided by First Internet Bank, Member FDIC, and applies only to deposits held at First Internet Bank. Pool is not itself an FDIC-insured institution. FDIC ‘pass-through’ insurance applies to deposits only if regulatory requirements are satisfied, including proper record keeping of customer ownership. Deposits are insured up to $250,000 per depositor, per ownership category, provided requirements for pass-through FDIC insurance coverage are met. Pool deposits are held at First Internet Bank in a manner designed to qualify for FDIC ‘pass-through’ insurance. FDIC deposit insurance only applies in the event of the failure of the FDIC insured bank.<br>Federal law requires Pool to verify your identity before opening an account.<br>** The Pool Visa® Debit Card is issued by First Internet Bank, pursuant to a license from Visa U.S.A. Inc.

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