Which application does NOT involve a credit report check as part of the approval process?

In the context of the approval process, checking accounts generally do not involve a credit report check. Banks and financial institutions typically assess an applicant's identity and may review their banking history, but they do not usually pull a credit report for checking account applications. This is because checking accounts are not typically tied to credit risk in the same way that loans, credit cards, and mortgages are, which all involve a higher degree of borrowing and potential repayment issues.

Loans, credit cards, and mortgages require a credit check to evaluate the borrower's creditworthiness, financial history, and ability to repay the debt. Since a checking account allows for deposits and withdrawals without the same level of financial risk, it does not necessitate the same thorough assessment of credit history.