[throwaway2037]

    A bank checking your credit score just because you want to create an account would be a huge invasion of privacy.

Really? How else can a bank decide how much credit to extend you? Please bear in mind that allowing someone to have a bank account is part of the credit relationship.

[NorwegianDude]

If you need credit then they can and probably will check your credit.

There is no reason for the bank to check your credit score if you're only using your own money.