If you are looking for the official contact information for ChexSystems—the consumer reporting agency that tracks deposit account activity—the most reliable number for consumer inquiries is a single, dedicated toll-free line.
The official ChexSystems phone number for requesting a free annual report, disputing information, and general consumer relations is 1-800-428-9623.
This article details how and when to use this number, provides alternative contact methods, and explains the critical services ChexSystems offers under federal law.
Official ChexSystems Contact Methods
ChexSystems is governed by the Fair Credit Reporting Act (FCRA), which mandates specific contact methods for consumers.
| Contact Purpose | Primary Phone Number | Representative Hours (CST) |
| Request Report / General Inquiry | 1-800-428-9623 | Mon–Fri, 8:00 AM – 7:00 PM |
| Security Freeze Assistance | 1-800-428-9623 | Mon–Fri, 7:00 AM – 11:00 PM |
| Automated System | 1-800-428-9623 (Automated Voice Messaging) | Available 24 hours a day |
| Fraud Alert (To place on report) | 1-800-428-9623 | Available during business hours |
Alternative Contact Methods
- Online (Recommended for Speed): Access the Consumer Portal for requests and disputes at chexsystems.com. This is often the quickest way to start the process.
- Mail: You can request a report or submit a formal, documented dispute via mail to the Consumer Relations office:
Chex Systems, Inc. Attn: Consumer Relations
P.O. Box 583399, Minneapolis, MN 55458
- Fax: You can obtain the Consumer Request for Disclosure Form online and fax it to 1-602-659-2197.
When to Call ChexSystems Consumer Relations
The primary reasons consumers need to contact ChexSystems are mandated by the FCRA:
- Requesting Your Free Annual Report
Under the FCRA, you are entitled to one free copy of your ChexSystems report every 12 months.
- How to Call: Call 1-800-428-9623. You will use the automated system to verify your identity and submit the request. The report will then be mailed to your address.
- Disputing Inaccurate Information
If a bank denies your checking account application due to negative marks on your ChexSystems report, and you believe the information is incorrect, incomplete, or related to identity theft, you have the right to file a dispute.
- By Phone (Best for Simple Disputes): If you already have your report, you can call 1-800-428-9623 to speak to a representative to initiate a dispute verbally.
- Best Practice: For complex disputes or cases involving identity theft, submitting a written dispute with supporting documentation (e.g., bank statements, police reports) online or by mail is highly recommended to ensure a clear paper trail.
- Placing a Security Freeze
To prevent identity thieves from opening bank accounts in your name, you can place a security freeze on your ChexSystems report. This must be done via the online portal or by calling the dedicated representatives at 1-800-428-9623 during their extended business hours (until 11:00 PM CST).
Frequently Asked Questions (FAQ)
What is ChexSystems and why do banks use it?
ChexSystems is a specialized consumer reporting agency that tracks deposit account history. Approximately 80% of U.S. banks and credit unions use ChexSystems to screen applicants for new checking or savings accounts. A negative report (e.g., involuntary account closure, significant unpaid overdrafts) can lead to denial of a new account.
Does calling ChexSystems hurt my credit score?
No. ChexSystems reports pertain only to your banking history, not your credit history. Requesting a copy of your report or submitting a dispute does not affect your FICO credit score.
How long do negative items stay on my ChexSystems report?
Negative items (such as unpaid negative balances or fraud notations) remain on your ChexSystems report for a maximum of five years from the date they were reported by the financial institution.
Can I get a bank account if I have a negative ChexSystems report?
Yes. Many financial institutions offer “second-chance checking” accounts specifically designed for consumers with past banking issues. Alternatively, most credit unions are less reliant on ChexSystems than large commercial banks.
Conclusion
The official ChexSystems phone number is 1-800-428-9623. This toll-free line is your direct access point for obtaining your free annual banking report and initiating the dispute process for any inaccuracies, protecting your financial access under federal law.
