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How to get your ChexSystems Report Instantly

how-to-get-chexsystems-report

Did you know a report is being kept on how you manage your checking and savings accounts? Get your ChexSystems report instantly online to discover what banks are reporting about your accounts.

ChexSystems is a consumer reporting agency that maintains a massive database of all consumers with bank accounts. You should know what information is being stored and reported about you.

» Open a Checking Account: No-ChexSystems Banks

How to Get Your ChexSystems Report

Can I See My ChexSystems Report Online Instantly?

Yes. Instantly get your ChexSystems Report Online by following these steps:

1. Visit the website ChexSystems.com.

2. Input basic information such as your Name, Birthdate, Current Address and Social Security Number.

3. Answer ChexSystem's four verification questions.

4. ChexSystems will verify your identity in a matter of seconds.

5. View your ChexSystems report online or download a copy for your records.

Get your ChexSystems Report by US Mail

Complete,  print and mail the  completed Consumer Request for Disclosure Form to:
Chex Systems, Inc.
Attn: Consumer Relations
PO Box 583399
Minneapolis, MN 55458

Get your ChexSystems Report by Telephone

Order ChexSystems Report by calling 800.428.9623. This is an automated phone system available 24 hours per day. Representatives are available to assist during normal business hours 8:00am – 7:00pm Central Time, Monday through Friday.

» Dump your prepaid card: Bank accounts for bad credit

Is there a fee to get your ChexSystems report?

No. Consumers are entitled to a free ChexSystems report once every 12 months under the FACT Act. However, during the COVID-19 Pandemic you can get three (3) free ChexSystems report every two weeks. Order your free report under the FACT Act online at ChexSystems website. A free ChexSystems score will be provided upon request but is only available by US Mail.

You also have the right to a free ChexSystems report if you've been denied a bank account based on information in your ChexSystems report. The bank or credit union is required to give you an “adverse action” notice, which will include contact information for the company that provided the report.

More criteria that may entitle consumers to a free report are:

  • Denied a bank account in the last 60 days
  • If you have been the subject of an adverse decision, such as denial of credit insurance or employment based off your ChexSystems report within the past 60 days
  • If you are unemployed and intend to apply for unemployment in the next 60 days
  • If you are on public welfare assistance
  • If you have reason to believe your file contains inaccurate information due to fraud

What if my ChexSystems report is incorrect?

The Fair Credit Reporting Act allows only accurate information to be reported by a consumer reporting agency like ChexSystems. Inaccurate information can be disputed with ChexSystems or directly with the source of the information. If you dispute ChexSystems, they will contact the source on your behalf to initiate an investigation. Information that is found to be inaccurate must be corrected or removed from your report within 30 days.

It's also important to review your report to ensure out-of-date information has been removed. ChexSystems may remove a negative mark prior to the 5 year reporting period if, for example, you successfully dispute an error or out-of-date information or, a financial institution requests it due to a customer complaint about an error in reporting.

Banks and credit unions can report accounts to ChexSystems for various offenses but below are some of the more common reasons:

  • Uncollected overdraft fees, ATM transactions or Electronic Payments which the bank honored even though the customer had insufficient funds
  • Account Abuse (Savings and Checking)
  • Debit Card or ATM Abuse
  • Fraud
  • Multiple Overdrafts

Will my ChexSystems report prevent me from opening a bank account?

According to the National Consumer Law Center, over 80% of banks use a bank account screening company like ChexSystems. But having negative information in your ChexSystems report doesn’t mean you have to be unbanked.

You can find a bank account using this list of banks that don't use ChexSystems or find a new account at banks that offer second chance checking accounts to people who have troubled banking histories. Second chance checking accounts may have fewer features than regular bank accounts but are a good way to establish a positive banking history and get back into the financial system.

How long does ChexSystems stay on your record

Federal regulations allow ChexSystems to report negative information for up to 7 years but ChexSystems only maintains reports for 5 years.

Additional bank screening services like ChexSystems

ChexSystems is not the only consumer reporting agency that banks and credit unions may rely on for screening new customers interested in opening checking and savings accounts.

Early Warning Services (EWS) can also prevent you from opening a bank account. EWS is co-owned by Bank of America, Truist, Capital One, JPMorgan Chase, PNC Bank, US Bank, and Wells Fargo and assists financial institutions in detecting and preventing fraud associated with bank accounts and payment transactions. You can also order your EWS report for free.

If you have ever been denied check writing privileges you may need to order a Telecheck report also:

TeleCheck Services, Inc.
Attention: Consumer Resolutions-FA
P.O. Box 4514
Houston, TX 77210-4514

Telecheck helps financial institutions manage risk, avoid check fraud and weed out bad actors who abuse or mishandle check writing privileges.

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