The Chex Systems, Inc. is a network of Financial Institutions that share information on mishandled checking and saving accounts. Chex Systems holds that information at a central location.

Check Systems Inc. does not do the deciding on new checking or saving accounts being opened. They share the information with the financial institutions and they decide based on that information.

People have wondered if Chex Systems is a credit bureau, the answer is no. Chex Systems is a consumer reporting agency.

To find out what Chex Systems has in your file you will have to order a copy of your report, just like a credit report.