Freeze your ChexSystems report (bank accounts)
Banks use ChexSystems when you open a checking or savings account. A freeze stops a thief opening one in your name.
This is free. You don't need Free My ID to do it.
Printing this for someone? Press Ctrl+P (Cmd+P on a Mac).
- Cost
- Free.
- Time
- About 10 minutes.
- Official site
- chexsystems.com
What to have ready
- Your Social Security number
- Date of birth
- Your current address
Step by step
- Open the ChexSystems security freeze web address above and follow the form to place a freeze.
- ChexSystems mails you a PIN. Keep it safe.
Opens chexsystems.com, the official website.
Good to know
- Use the website if you can. ChexSystems has more than one phone number for different jobs, so check the number on chexsystems.com before you call.
How to undo it
Use your PIN to lift or remove the freeze on the same site or by phone, before you open a new bank account.
Sources
We checked these steps on November 7, 2026 against:
Companies change their pages often. If something looks different, follow what the official page says.
See all the free steps to protect yourself
Steps from the Free My ID checklists, version 2026.11.07.2 (CC BY-NC 4.0).