No, Letter does not pull a credit report from the 3 credit reporting bureaus when you apply for a checking account, nor does Letter pull a Chex Systems report. 

We use a variety of services in determining whether or not your application can be approved including potential fraud factors associated with your identity, your banking history, and your application history.

If you have been declined for a Letter checking account, we have a helpful guide for you in the Declined Account Application article.