We do. We are a small bank. We do not authorize or settle our ATM/POS transactions in Real Time, nor are our ATM/POS holds integrated with our Core Deposit platform. Instead, our transactions are verified through a Positive Balance File at our processor and cleared in a daily batch settlement. Unfortunately that means there's a window of vulnerability when the customer could make purchases or withdrawals and then pull all the money out of their account before the transactions clear.
We do not pull credit reports at account opening. Our ATM/Debit applications have a clear disclosure notifying the customer that by signing the agreement, they are authorizing us to pull a credit report.
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Let's start at the very beginning; A very good place to start...