Chex Systems, Inc. Privacy Policy

Chex Systems, Inc. Privacy Policy

Last Updated: August 25, 2022

We recognize and respect the privacy expectations of today’s consumers and the requirements of applicable federal and state privacy laws. We believe that making you aware of how we use your nonpublic personal information (Personal Information), and to whom it is disclosed, will form the basis for a relationship of trust between us and the public that we serve. This Privacy Policy provides that explanation. We reserve the right to change this Privacy Policy from time to time consistent with applicable privacy laws.

About This Policy

This Privacy Policy (the “Policy”) provides information about how Chex Systems, Inc. (ChexSystems®) collects, uses, discloses, and shares Personal Information (as defined below) when you use our website, as well as ChexSystems general privacy principles. ChexSystems is a consumer reporting agency (CRA) under the Fair Credit Reporting Act (FCRA). As such, ChexSystems provides consumer reporting services to its business customers, and also provides a variety of fraud prevention, identity verification and data analytics services under the federal Gramm-Leach-Bliley Act (GLBA). This Policy covers all business activities conducted by ChexSystems and its affiliate, eFunds Corporation (fka Penley, Inc.), and may change from time to time to comply with applicable privacy laws. For more information about the FCRA, visit the Federal Trade Commission website and the Consumer Financial Protection Bureau (CFPB) website.

Personal Information


Personal Information is defined, for purposes of this Policy, to include but not necessarily be limited to, the following:
  • Personal data - name, user name, contact details, and similar data
  • Sensitive data - date of birth, Social Security number, government ID number, and similar data
  • Web/Internet - Internet account information, IP address, browsing history, and similar data
  • Personal records - birth, death, or marriage certificates, driver’s license or state or government ID images (as allowed by applicable state law), audio recordings, and similar data
  • Financial data - demand deposit account (DDA) numbers, DDA account status, DDA payment status, DDA charge-off amounts, transactional histories, credit scores, and similar data
  • Public record information - court records, property records, business records, and similar data

ChexSystems does not collect health or employment data.

Categories of Sources


ChexSystems collects Personal Information directly from you, the consumer, and your authorized representatives, as well as from the following categories of third-party sources:
  • Financial institutions;
  • Consumer reporting agencies;
  • Financial services companies;
  • Public records maintained by governmental entities that are obtained directly from those entities, or from our affiliates or other businesses;
  • ChexSystems affiliates;
  • Collection agencies;
  • ChexSystems Internet website -;
  • Other public Internet domains;
  • Consumer data resellers.
Collection of Personal Information from Consumers

When you interact with ChexSystems, whether by calling our Consumer Relations hotline or visiting our website (, we collect information to help identify you and to maintain maximum possible accuracy. ChexSystems does not collect Personal Information directly from you without your knowledge. You may be requested to provide the following information, including, but not limited to:

  • Name (first, middle, last);
  • Home address;
  • Mailing address;
  • Social security number;
  • Date of birth;
  • Telephone number;
  • Driver’s license number; and
  • Email address.

Each time you visit our website, our servers recognize and record the website you came from, and the website you visit when leaving. We use this information in aggregate to determine the overall usage of our sites and to help in assessing the overall effectiveness of our web presence.

Collection of Personal Information from Other Sources

Personal Information is disclosed to ChexSystems from third parties pursuant to the FCRA, the GLBA and, in some circumstances, the federal Driver’s Privacy Protection Act (DPPA).

Use and Disclosure of Personal Information


ChexSystems does not use or disclose Personal Information for direct marketing purposes.


ChexSystems uses and discloses the Personal Information collected from financial institutions (as defined in GLBA) for its commercial and business purposes, including, without limitation, as follows:

  • To provide you resolution of issues;
  • To provide products and services to third parties as permitted by the GLBA, FCRA, and DPPA;
  • To provide data analytics services both internally and to third parties.

ChexSystems may also use and disclose Personal Information for audit and other compliance purposes, including but not limited to, resolving your inquiries and disputes, enforcement of third-party agreements, and to demonstrate its compliance with third-party agreements, as well as applicable state and federal laws and regulations.

Data Retention

ChexSystems retains your Personal Information for as long as necessary to: provide its services; satisfy the transactions you have requested (e.g., dispute resolution or exercise of other privacy rights); for the purpose of complying with our legal, compliance and regulatory obligations; detect and prevent fraud and abuse; and to enforce our agreements with third parties.

Security of Your Personal Information


ChexSystems maintains physical, electronic and procedural safeguards to protect your Personal Information from unauthorized access or intrusion. We limit access to Personal Information only to those employees, contractors and agents who need such access in connection with providing products or services to you or for other legitimate business purposes. At all times, we will comply with all laws and regulations to which we are subject regarding the collection, use, and disclosure of Personal Information.

The security measures in place on this website prevent the loss, misuse and alteration of the information under our control through the industry standard security measures available through your browser. To provide you with additional security, all Personal Information sent from your computer is encrypted while in transit to us and is decrypted once it reaches our server. However, information sent to us through some channels (including email) may not be secure unless we advise you that security measures are in place before your transmission. As a result, we ask that you do not send Personal Information via unsecured email. Please contact us directly at (800) 513-7125 for instructions if you are not able to process your request for information via this website.

Your Rights


We are committed to verifying the Personal Information we collect, use and disclose/share is accurate. To protect your privacy and for security purposes, we may require you to verify your identity if you wish to exercise your rights under applicable laws.

FCRA Compliance

ChexSystems provides consumer file disclosure reports, as required by the FCRA, to consumers upon request. If you would like to see the content of your ChexSystems consumer file, free of charge, please contact us directly at:

Chex Systems, Inc.
Attn: Consumer Relations
PO Box 583399
Minneapolis, MN 55458

Phone:  800.428.9623
California Privacy Rights Act (CPRA) and other data privacy laws

If you are a California resident and you would like to see the content of your ChexSystems consumer file, please contact us directly at:

Chex Systems, Inc.
Attn: Consumer Relations
PO Box 583399
Minneapolis, MN 55458

Phone:  800.428.9623

or request your disclosure here
Opt Out

ChexSystems grants all consumers a right to opt out of the use of Personal Information for firm offers of credit and insurance (uses of Personal Information otherwise allowed by the FCRA). Please keep in mind that even after submitting your opt out request to ChexSystems, you may continue to receive marketing material from companies that do not use ChexSystems data to compile their lists.

Children Visiting Our Website


Our website is intended for adults. However, we understand that children may access our site and provide Personal Information or request information about products and services. ChexSystems requires additional verification and requests that consumers under the age of 18 and those acting on behalf of consumers under the age of 18 contact us using a non-online method (i.e., mail). Children should seek the consent of their parents before providing any information about themselves or their households on the Internet. ChexSystems does not knowingly collect the Personal Information of minors.

Other Websites Linked to this Website


We are not responsible for the content or information practices employed by websites linked to or from our sites. In most cases, links to other websites are directing you to governmental agencies and are provided solely as pointers to information that may be useful to users of our websites.

Your Acceptance of these Terms


By using this website, you consent to the terms of this Privacy Policy. If you do not agree with this Statement, we suggest that you do not use our website.