Your personal and financial security is just as important to us as it is to you. That's why together, you and Chemical Bank will work to ensure that your information remains safe from security threats and fraudulent activity. Banking has never been more secure and comfortable!

We're pleased to offer SecurLock™ Equip!

Peace of mind is in your hands.  You have the power to protect your cards directly from your phone with the SecurLOCK™ Equip App!

SecurLOCK™ Equip allows you to control how, when and where your Chemical Bank Debit Card is used.  It is a simple and secure way to protect yourself from fraudulent transactions. A few of the features available are:

  • Turn your cards off and on as you need to use them
  • Control transactions by type (in-store, online, mail/phone, ATM, etc.)
  • Set transaction limits
  • Set geographic locations where the card can be used (within 5 mile radius of the device)
  • Control by merchant category code
  • View recent transaction history
  • Set-up real-time alerts

Have you ever left a store without your card? Now, you can lock it until you get it back. Shopping around the neighborhood? Set the card to work only where you are. Providing a card to your college-bound child? Receive alerts and monitor their spending.

Recommended Security Tips:

Top 10 Rules to protecting yourself

  1. Install Security Software - An important tool is an effective virus scanner that is continuously updated online and thus able to detect new viruses. A personal firewall is a program that monitors all incoming and outgoing traffic from your PC and can help protect you against malicious software that may be hiding in suspicious emails or suspicious attachments.

  2. Protect Sensitive Data When Sending it Over the Internet - As a general rule, never send sensitive information over open networks unless it is encrypted.

  3. Be Sure You Know WHO You Are Dealing With - You should divulge information only if you are certain who is receiving it and what will happen to it. Be suspicious of any departure from the usual routine, such as a request to enter your PIN or password at a time you don't expect.

  4. Be Careful with Sensitive Data and Access Media - Protect your passwords and PIN's from unauthorized use and never disclose them to anyone. Keep your Social Security card in a safe place instead of carrying it in your wallet.

  5. Choose a Secure Password - One way to help safeguard your identity and personal information is through advanced password protection. Here are some suggestions for safer passwords:

    • A good password is at least eight (8) characters long and contains a combination of upper and lower case letters, numbers and special characters
    • Change your passwords regularly
    • DON'T - use your birth date or that of anyone you know, your Social Security Number, account number or names of family members
    • Avoid - Proper names, familiar terms (i.e. terms which can be found in a dictionary) and the repetition of single characters (e.g. AAAAAA, 111111)
  1. Only Use Programs From A Trustworthy Source - Don't download programs from the Internet onto your hard drive unless you can be sure the source is reliable.

  2. Use Up-To-Date Program Versions - Use only an up-to-date version of your preferred internet browser and PC operating system. Only in the most recent versions will all known security holes have been filled. Also, you should install these bug fixes or patches as soon as possible to protect your PC from known vulnerabilities.

  3. Run A Security Check On Your PC - Before you use your PC to bank online, take a few minutes to run a personal security check. Activate the security features that protect your computer from unauthorized access.

  4. Activate The Browser's Security Settings - Activate the security settings of your Internet browser. You can enhance your security on the Internet considerably just by making intelligent use of your browser's security options. It is especially important for you to block ActiveX Controls and allow Java applets to run only after confirmation.

  5. If It Sounds Too Good To Be True, It Probably Is - Be cautious of unsolicited emails from overseas - it is much harder to prove legitimacy of the organizations behind the emails.

Mobile Banking

  1. Keep security software current. Having the latest mobile security software, web browser, and operating system are the best defenses against viruses, malware, and other online threats.

  2. Mobile devices can contain tremendous amounts of personal information. Lost or stolen devices can be used to gather information about you and, potentially, others.

  3. Secure your mobile device: Use an auto-lock and a strong passcode to lock your phone.

  4. Think before you app: Review the privacy policy and understand what data on your device an app can access before you download it (such as location, social networks etc.).

  5. Only give your mobile number out to people you know and trust and never give anyone else's number out without their permission.

  6. If you're online through an unsecured or unprotected network, be cautious about the sites you visit and the information you release.

  7. Limit the type of business you conduct at Wi-Fi hotspots and adjust the security settings on your device to limit who can access your phone.

  8. Look for web addresses with "https://", which means the site takes extra measures to help secure your information. "Http://" is not secure.

  9. When in doubt, don't respond. Fraudulent texting, calling and voicemails are on the rise. Just like email, requests for personal information or immediate action are almost always a scam.

Mobile Device Protection

As consumer use of mobile devices continues to climb, cyber criminals are targeting those gadgets more frequently.  According to a report by the Federal Reserve, 52 percent of smartphone users say they have used mobile banking in the past 12 months.  In recognition of National Consumer Protection Week March 6-12, Chemical Bank is highlighting ways consumers can take extra precaution to protect the data on their mobile device.

We use industry leading safeguards to protect customer information.  It’s even more important for users to keep safety measures in place on their end to prevent sensitive data from being compromised.  It’s easy to forget your mobile device can be vulnerable, but any device used to connect to the Internet is at risk.

The following steps will help protect your mobile device:

  • Use the passcode lock on your smartphone and other devices.  This will make it more difficult for thieves to access your information if your device is lost or stolen.  Considering using find my device functionality to remotely wipe your device.
  • If you lose your device contact Chemical Bank immediately to lock your mobile banking account.  Visit the Contact Us page for available options.
  • If you change your phone number, contact Chemical Bank immediately to update your records.  Having your current information is important for us to contact you in the event of a security concern.  Visit the Contact Us page for available options.
  • Log out completely when you finish a mobile banking session.
  • Use caution when downloading apps.  Apps can contain malicious software and viruses.  Beware of apps that ask for unnecessary permissions.  Download apps only from reputable app stores (Apple App Store, Google play).
  • Download the latest updates for your phone’s operating system and mobile apps.
  • Avoid storing sensitive information like passwords or a social security number on your mobile device in insecure locations (accessible without a strong password/passcode).
  • Be aware of shoulder surfers.  The most basic form of information theft is observation.  Be aware of your surroundings especially when you’re inputting and viewing sensitive information.
  • Wipe your mobile device before you donate, sell or trade it using specialized software or using the manufacturer’s recommended technique.
  • Beware of mobile phishing.  Avoid opening links and attachments in emails and texts from senders you don’t know.  Also, be wary of ads (not from your security provider) claiming that your device is infected.  These are common attacks used to trick you into granting hackers access to your device.  If you receive account alerts or use text by phone, review and delete them promptly.  As a reminder, we never ask for your identifying information through text, email, or by phone unless you contact us.
  • Watch out for public Wi-Fi.  Public connections are not secure.  Consider doing your banking transactions over a private network or using your cellular network.