B+ MyBankTracker Rating

Chemical Bank

About Chemical Bank

Chemical Financial Corporation is a diversified financial services company providing a full range of commercial, consumer, mortgage, trust, insurance and financial planning services primarily through one state-chartered commercial bank subsidiary, Chemical Bank. Chemical served a broad customer base through 129 banking offices across 31 counties in the lower peninsula of Michigan.

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MyBankTracker rated based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank. See how it’s rated.

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Customer Reviews

Most Helpful Chemical Bank Bank Customer Reviews

  • S
    Reviewed By Summer99 Aug 19, 2014

    Be Careful

    Be careful with this bank. They will do whatever they can to charge you over draft fees even if you are not over drawn. Even if you prove to them that it was the banks error, they will not reverse them or credit you back. This bank charged me an nsf fee after a check cleared and i had over $100. 00 left remaining in my account. I have overdraft protection and they returned my check to the place i wrote it. Not only did i have an overdraft fee at the bank, but i also had a $25. 00 return fee from the place of business where they returned the check to that i had to pay. After sitting in a branch office for over an hour trying to convince one of the customer service reps, but they could not explain to me why i was charged this fee or why my overdraft protection must accidently turned off and then turned back on. But still yet would not reverse the charge from my account. No one in this bank knows what they are doing and there practices of billing you fees are a little leery. This bank is trying to go out of business. Credit unions are the way to go. I am switching and i have been with this bank since 1987. Only a 1 star for this bank and they do not even deserve that!!

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  • B
    Reviewed By bakuebler Dec 10, 2014

    Terrible

    I was with Northwestern Bank for about 20 years, a very loyal customer and appreciated the bank I had. Then, Chemical Bank took over. Awful customer service, can never get through when calling a local branch, they do not return email correspondence, and their online banking is in the tank. Not only can I not use all the services all the time, but during the "takeover" I had to wait an entire month before I could use online bill pay. I was treated like a complete moron for not having another capability set in place to take care of my bills.

    Now, I need access to my bank records preceding the transition for the last year and I can no longer access them after they told me I would be able to several weeks ago. This has delayed a loan and cost me a great deal of money and loss of profit. Not to mention the fact that I can now, no longer obtain loan information from my local branch. What a joke. I am closing my accounts. I love the people formerly of NWB, but I will no longer do business with Chemical Bank. They do NOT deserve my business!

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  • A
    Reviewed By aoliver2013@comcast.net Oct 7, 2014

    Their Last Mistake

    I have only been with Chemical Bank for several months and I am not very happy with them anymore. At first I thought cool, this bank is a good one. Now I am not so sure. I too have had pending transactions disappear and show up again. When saw that two transactions that were pending one day were gone next I got online and chatted with someone for a long time through the banks online chat. I was concerned that they weren't there so I asked the representative to look again harder into my account and was told they couldn't find the transactions.

    My self and my fiance are on limited incomes and needed to go get some food into the house so after being told that the money in my account was free to use we went to the store. I was so upset when logged on to my account today and was negative when wasn't when went to bed last night. I will be talking to someone at the bank to see if they can straighten out if not I too will be leaving the bank The card that Social Security offers is really looking good right now.

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  • Type Fee National Average
  • Monthly Inactivity N/A
  • Non-Sufficient Fund (Overdraft) N/A 0
  • Stop Payment item N/A 0
  • Return Deposit N/A 0
  • Domestic Wire Transfer (Outbound) N/A 0
  • Domestic Wire Transfer (Inbound) N/A 0
  • Non-Bank ATM N/A