Chemical Bank offers a variety of personal checking accounts that are designed to meet the needs of our customers. Consult your banker to learn about which of our accounts will best meet your lifestyle.

  ChemFree Checking ChemPlus Checking 55 years old plus Classic Checking Advantage Checking
Requirement to open account None None None. Customer has 30 days to achieve minimum balance before monthly service charge takes affect None. Customer has 30 days to achieve minimum balance before monthly service charge takes affect
Requirement(s) to Waive Monthly Service Charge No Monthly Service Charge No Monthly Service Charge Maintain minimum balance of $500 Maintain minimum balance of $1,000 or average monthly balance of $1,500
Service Charge None None $5 / month $7 / month
Interest paid on balance None None None Interest Tiers:
0 - $9,999
$10,000 - $24,999
$25,000 and over
Per Check Fee None None None None
Combined Statement FREE
Statement Options Check safekeeping* Check safekeeping or image statement** Check safekeeping or image statement** Check safekeeping or image statement**
Preferred RewardsSM Debit/ATM Card† FREE
eBanking and Phone Banking FREE
eBillPay FREE service includes 10 bill payments; $0.55 per additional payment FREE service includes 10 bill payments; $0.55 per additional payment FREE service includes 20 bill payments; $0.55 per additional payment FREE service includes 20 bill payments; $0.55 per additional payment
Installment Loan† Discount on installment loan rate with direct debit Discount on installment loan rate with direct debit Discount on installment loan rate with direct debit Discount on installment loan rate with direct debit
Other Benefits   FREE green mint safety paper checks, or 50% discount on other styles. Free single signature travelers cheques, notary and photo copies   Monthly maintenance fee waived with $10,000 aggregate balance in all deposit accounts
* Checks are kept on record at Chemical Bank and are not returned to the customer. Images of canceled checks are available via Chemical Bank’s e-Banking system.
** Upon request canceled check images can be provided with monthly statements.
† Subject to application and approval.

Additional Options - In addition to accessing your funds through our checking accounts, Chemical Bank provides you with the ability to automatically transfer funds between other Chemical Bank accounts, and to have mortgage and personal loan payments automatically deducted from your checking account each month.
For a quick review of our accounts see our personal checking account descriptions.