Not every credit check slightly lowers your credit score.

Equifax, Experian, and TransUnion are the three credit bureaus. There is a distinction between hard and soft credit inquiries. Only the hard ones lower your credit score and the distinction is that hard inquiries are meant for decision-making while the soft are merely test/informational in nature. Behind the scenes in the banking sphere soft inquires will happen as part of your bank's dabblings, but if you actually walk into your bank and ask them to tell you your credit score then, yes, that's a hard inquiry.