Chemical Bank offers both online banking and retail banking. As of 2015, it operates 183 branch locations in 47 counties across Michigan. The bank has two online banking products: ePersonal Online Banking and eBusiness Online Banking.
Online customers are free to bank exclusively online or to visit any Chemical Bank location to conduct bank transactions in person. The ePersonal online account includes basic checking and savings account services, as well as an online bank transfer service and eBillPay, a comprehensive online payment service. The eBusiness online account provides additional optional business-focused services, such as ACH payment, tax payment and wire transfer services. Premium eBusiness services include account reconciliation and fraud detection services.