I checked mine....yep it is there. So I stand corrected, good job Brian following thru on this one.irwinbdi said:Thanks for all of the replies!!
It does have one!. Its behind the glove box. In my the Terrain the glovebox just pulls out and the trap door for the filter is just behind it. I opened the trap door and removed the filter to inspect it. Its pretty big and had a little debris on it even after 250 miles. I live in a very dust desert, so I generally replace this filter every 6 months on my other vehicles.
Thanks again for your replies.