Credit Bureaus & Data Brokers · Specialty consumer reporting agency (deposit/checking accounts) · Structural / no discrete incident
ChexSystems
Headline
ChexSystems is the database banks check when someone tries to open a checking account.
Not independently verified. Verification status: Unverified - heuristic first draft. Publish state: draft unverified.
ChexSystems is the database banks check when someone tries to open a checking account. Its records of account closures and closure reasons can effectively shut a person out of mainstream banking. Its owner, verified this pass, is Fidelity National Information Services (FIS), not Fiserv. FIS's 2025 Form 10-K subsidiary list (filed Feb. 2026) lists Chex Systems, Inc. at FIS's Jacksonville head office. No enforcement action or breach was identified this pass, but that rests on limited research. The structural risk is that a single, little-known file can decide whether someone can get a bank account.
- Severity
- Evidence tierUnassigned
- Claims confirmed
- Last verified2026-10-16
Primary source. www.sec.gov/Archives/edgar/data/1136893/000113689326000013/listofsubsfinalcompanies.htm — Unverified - heuristic first draft.
Terms
Arbitration
Not verified this pass. No consumer contract identified.
Data sharing
Reports checking account applications, openings, closures and closure reasons, plus check-writing history, to financial institutions (CFPB company listing). The privacy policy (last updated Aug. 22, 2025) does not use the word 'sell'. It provides data to third parties 'as permitted by applicable laws, including the FCRA, GLBA, and DPPA'. It says that outside FCRA-permitted uses it 'does not use or disclose Personal Information for direct marketing purposes'. Prescreen opt-out: 877.678.6885 or the online opt-out request.
Fees and billing
Consumer disclosure and score reports are free: 'ChexSystems provides all consumer disclosure reports and consumer score reports free of charge.'
Contacts
Privacy contact. Chex Systems, Inc., Attn: Consumer Relations, PO Box 583399, Minneapolis, MN 55458; 800.428.9623; opt-out 877.678.6885
Legal notice. FIS lists Chex Systems, Inc.'s main office as 347 Riverside Avenue, Jacksonville, FL 32202 (FIS 10-K Ex. 21.1, filed Feb. 2026). The registered agent was not verified this pass.
Mailing address. Not recorded.
Evidence
No claims have been itemized for this row yet.
Sources
| Source | Claim | Tier | Status | Quote |
|---|---|---|---|---|
| SEC 10-K Exhibit 21.1 (FIS) · 2026-02-24 www.sec.gov/Archives/edgar/data/1136893/000113689326000013/listofsubsfinalcompanies.htm | whole row | Unassigned | confirmed | “Chex Systems, Inc. Main Office : 347 Riverside Avenue, Jacksonville FL 32202” Quote basis: not recorded. |
| Wikipedia (lead only) · 2026-10-16 en.wikipedia.org/wiki/ChexSystems | whole row | Unassigned | confirmed | “Fidelity National Information Services acquired eFunds in 2007.” Quote basis: not recorded. |
| Company privacy policy · 2025-08-22 www.chexsystems.com/privacy-policy | whole row | Unassigned | confirmed | “does not use or disclose Personal Information for direct marketing purposes” Quote basis: not recorded. |
| Company page · 2026-10-16 www.chexsystems.com/ | whole row | Unassigned | confirmed | “ChexSystems provides all consumer disclosure reports and consumer score reports free of charge.” Quote basis: not recorded. |
| Regulator consumer resource · 2025-01-30 www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/chex-systems/ | whole row | Unassigned | confirmed | “account verification services primarily for financial institutions” Quote basis: not recorded. |
| SEC EDGAR · 2026-10-16 data.sec.gov/submissions/CIK0001136893.json | whole row | Unassigned | confirmed | No quote recorded. Quote basis: not recorded. |
Source vault
Link status: Candidate - not yet fetched
| Document | Last fetch | |
|---|---|---|
| Privacy policy https://www.chexsystems.com/privacy-policy | Not fetched yet | NOT CONFIRMED |
| Terms of service Not verified this pass | Not fetched yet | NOT CONFIRMED |
| Website https://www.chexsystems.com | Not fetched yet | — |
| Primary source https://www.sec.gov/Archives/edgar/data/1136893/000113689326000013/listofsubsfinalcompanies.htm Verification: Unverified - heuristic first draft | Not fetched yet | — |
Enforcement
No enforcement actions are linked to this row.
State statute
Headquarters on file: MN. Provisions of MCDPA-MN on file:
| Provision | Type | Source |
|---|---|---|
| Applicability Threshold Minn. Stat. § 325O.03 | threshold | source |
| Right to Question Profiling Decisions — Most Explicit in Any US State Minn. Stat. § 325O.05 | hard | source |
| Right to List of SPECIFIC Third Parties Minn. Stat. § 325O.05, subd. 1(h) | hard | source |
| Universal Opt-Out Mechanism Required Minn. Stat. § 325O.05, subd. 3 | hard | source |
| Enforcement — AG; 30-Day Cure for Entities with Documented Programs Minn. Stat. § 325O.10 | hard | source |