Start receiving more from your checking account by signing up for Advantage Checking!

  • Maintain a minimum balance of $1,000 or average monthly balance of $1,500

    • No $7.00-per-month service charge if you maintain the minimum balance

    • Service charge fee will also be waived if you maintain an MI Savings account or an aggregated balance of $10,000 in other Chemical Bank deposit accounts
  • Interest paid monthly on all balances over $0.01 (Consult your local Chemical Bank branch for current rates.)

  • Variable interest rate based on market conditions

  • A variety of Statement options to meet your needs

    • Statements are sent monthly based on the activity of your account
  • FREE Online Banking and Voice Banking service

  • FREE Mobile Banking**

  • Discount on loan rate with direct debit


Frequently Asked Questions

Got questions? We've got answers.

What is tiered interest?

With tiered interest, you will earn a higher rate of interest as you deposit more money!


$0.01 - $9,999

$10,000 - $24,999

$25,000 and Over

*Consult your favorite Chemical Banker for current rates on the tiers listed above.

What is Chemical Bank's FREE Preferred RewardSM Debit Card?

You can use your Chemical Bank Debit Card to get cash at any of Chemical Bank's ATMs and everywhere MasterCard® Debit Cards are accepted worldwide. An additional benefit of a Chemical Bank Debit Card is the Preferred Rewards program. By enrolling in Chemical Bank's FREE Preferred Rewards program and using your Debit Card to make everyday signature purchases, you will earn points redeemable for gift cards, brand name merchandise and more!

What is ePersonal Online Banking?

ePersonal Banking with eStatements is a FREE service that helps you manage your finances online. Whether you are at home, at work or on the road, Chemical Bank is here for you 24 hours a day, 7 days a week - anywhere an Internet connection is available.