PCI Compliance Overview

As you have witnessed through the news or even personal experience, the protection of credit card data for your business and your customers is of the utmost concern. The credit organizations of Visa, MasterCard, American Express, Discover Card, and JCB International card companies have joined together to create the Payment Card Industry Data Security Standard, or PCI DSS. The PCI Council requires that all merchants who store, transmit or process cardholder information be in compliance with the PCI DSS to better secure the processing of credit and debit card transactions.

Chemical Bank values your business, and as part of our partnership, we are taking efforts to educate you about these changes, and are enrolling all of our merchant accounts in our PCI Compliance Management Program. The information that is available on our website will provide you with additional details on our program, new applicable fees, and ways you can minimize your costs and risks by becoming PCI compliant.

  • The payment brands (American Express, Discover Financial Services, JCB International, MasterCard Worldwide and Visa Inc.) have joined together to create the Payment Card Industry Security Council. The PCI Council has mandated that all merchants who store, transmit or process cardholder information must maintain compliance with the PCI DSS. We, as your merchant service provider, understand the risks and financial costs that a compromise can pose to your business. In support of this important mandate, we are requiring all merchants to validate their PCI DSS compliance status with us. We have simplified the process and have made it as convenient as possible for you.

  • Beginning with your October merchant billing statement, you will be assessed a monthly PCI DSS Compliance Admin Fee of $5.00. This low fee will allow us to continue providing you a high level of support with respect to compliance standards put forth by the payment brands, the PCI Security Council and various government entities. If your organization is not PCI DSS compliant by December 31, 2009, you could be subject to fines, or lose the ability to accept debit and credit cards at your business.

    While participation in the PCI Compliance Management Program helps to mitigate the risk of a security breach or data compromise, participation does not guarantee or prevent a security breach or compromise.

  • To certify your business, please complete the required questionnaire using the following instructions:

    • Visit https://www.pciapply.com/pci_fi_login.aspx to log in to your merchant account and complete the necessary steps to become certified as compliant. 
      • Your default user ID and password were provided in a letter recently mailed to your business by Chemical Bank.
        • You will be asked to change this password after you first log into the system. 

    • After you log into the system, additional information including a video with more details on the program will be available to you.

    If you have any trouble logging into the system please contact your Merchant Services Representative at (866)901-0321, or by email at merchant.services@chemicalbankmi.com.