Personal Checking

Personal Checking Accounts

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.

 

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  Green Account ChemFree Checking ChemPlus Checking Classic Checking Advantage Checking
Requirement to Open an Account None None 55 Years Old Plus 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 Sign up to receive eStatements instead of paper statements1 None None Maintain minimum balance of $500 Maintain minimum balance of $1,000 or average monthly balance of $1,500
Maintenance Fee None None None $5 / month $7 / month
Interest Paid on Balance None None None None Interest Tiers:
0 - $9,999
$10,000 - $24,999
$25,000 - and over
Per Check Fee $1.00 None None None None
Preferred RewardsSM Debit/ATM Card† FREE FREE FREE FREE FREE
eBanking and Voice Banking FREE FREE FREE FREE FREE
Statement Options eStatements5
  • Mailed Statement2
  • Combined Statement4
  • eStatements5
  • eMailed Statements6
  • Mailed Statements2, 3
  • Combined Statement4
  • eStatements5
  • eMailed Statements6
  • Mailed Statements2, 3
  • Combined Statement4
  • eStatements5
  • eMailed Statements6
  • Mailed Statements2, 3
  • Combined Statement4
  • eStatements5
  • eMailed Statements6
eBillPay Unlimited Free service includes 10 bill payments; $0.55 per additional payments Free service includes 10 bill payments; $0.55 per additional payments Free service includes 20 bill payments; $0.55 per additional payments Free service includes 20 bill payments; $0.55 per additional payments
Mobile Banking* FREE FREE FREE FREE FREE
Mobile Remote Deposit Capture Unlimited $0.50 per check $0.50 per check $0.50 per check $0.50 per check
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 Discount on installment loan rate with direct debit
Other Benefits No Chemical Bank foreign ATM charge if 20 Debit Card signature based transactions are completed within each monthly cycle7   Free green mint safety paper checks, or 50% discount on other style. Free notary and photo copies   Monthly maintenance fee waived with $10,000 aggregate balance in all deposit accounts

Current Deposit Rates

1 $3.00 per month charge for paper statements
2 Images of canceled checks are available via Chemical Bank's eBanking system.
3 Check images available upon request.
4 Combined statements allow all accounts to be available in one statement.
5 With online banking enrollment.
6 Sign up for eMailed Statements at your local branch.
7 For non-Chemical Bank ATMs you will be charged by the other bank for their surcharge fees.
* Deposit restrictions may apply, ask a Representative for details.
Subject to application and approval.