Classic Checking

Chemical Bank's traditional checking account. Classic Checking features a low minimum balance requirement, no check writing limitations and no per-check charge. Best of all, you can conveniently manage your finances and pay bills online anytime, anywhere with our eBillPay service!


  • Maintain a daily minimum balance of $500.00 to avoid a $5.00 monthly maintenance charge.
    • There is no initial balance requirement to open the account and you will have 30 days to achieve and maintain the required balance to avoid a monthly maintenance charge.
  • eBanking, eBill Pay and Voice Banking available
  • Mobile Banking with Mobile Remote Deposit Capture available*
  • A variety of statement options to meet your needs**
    • Statements are sent monthly
  • .25% discount on personal loan rate with direct debit from your Chemical Bank deposit account***

Frequently Asked Questions

Classic Checking is for individuals who do not keep high balances in their checking account, frequently write checks and don’t qualify for a no-charge account through relationship banking.

eBanking 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. eBill Pay allows you to conveniently and securely pay online.

Recommended Products and Services

We recommend adding the following products and services to enhance your Personal Checking account:

ATM Card

Direct Deposit

Mobile Banking

ePersonal Online Banking with eStatements

*Deposit restrictions may apply, ask a representative for details.

**A $3.00 per month charge for paper statement fees is assessed. Please visit with a local Chemical Bank representative to learn more.

***Subject to application and approval.