Quote:
Originally Posted by toeser
My credit has been frozen for many years and I have opened many online banking accounts. I think they care only if you are a borrower, not a depositor.
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I have had the same experience, my credit is frozen and I can still open checking accounts, and sometimes I can find one that has a bonus of over $300, and they still don't check my credit. I have in the past unfrozen the credit reports it is pain, and even more of a pain to reinstate the credit freeze. Sometimes they ask you for a password and username, other times they just want to verify who you are by only using your Social Security number. I have been freezing my credit reports for about four years, and a have never had a identity theft problem, so I think it's worth the trouble to do that.