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 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.