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is becoming - Chemical Bank
IS BECOMING We’re excited to welcome you to Chemical Bank! It is with great pleasure that I welcome you to Chemical Bank. Like Northwestern Bank, Chemical Bank is a community bank with deep roots in the state of Michigan. With over 95 years of demonstrated dedication to the customers and communities in Michigan’s Lower Peninsula, I am confident that the level of service you have come to expect from Northwestern Bank will continue through Chemical Bank. Chemical Bank’s mission is to create enjoyable, valuable and memorable experiences for our customers by choosing every day to display a positive attitude and a passion to serve. Our team is committed to providing you with an unparalleled banking experience and is dedicated to helping you reach your financial goals. To help make this transition a smooth one, we have developed this guide which will provide you with an overview of Chemical Bank’s products and services. This guide will also detail the benefits we expect you will receive from the products you will be transitioned into once you become a customer of our Community Bank. Should you have any additional questions, please do not hesitate to stop by your local branch, or call our Customer Care Center at 800.867.9757. For your convenience, we have provided additional information about this conversion on our website at: http://ChemicalBankMI.com/About/Northwestern. — David B. Ramaker Chairman, CEO & President Table of Contents Branch Locations Map and Listings page 3 - 7 Product Comparison Chart | Checking page 9 ChemBasic Checking page 9 Green Account page 10 Advantage Checking page 11 Classic Checking page 12 ChemPlus Checking page 13 Health Savings Account page 14 Product Comparison Chart | Savings page 15 MI Savings page 15 Classic Savings page 16 Holiday Club page 16 Comparison Chart | Money Market page 17 Premier Money Market page 17 Safe Deposit Box page 18 CDs and IRAs page 18 ATM and Debit Card page 19 - 20 Mobile Banking page 20 Voice and Electronic Banking page 21 - 22 Other Services page 23 - 26 Contact Information page 27 Loan Payment and Escrow Acct. Info. page 28 Routing and Account Number Info. page 29 Service Fees page 30 A match made in Michigan. 102 97 27 6 66 81 52 117 44 69 1 120 75 57 71 78 103 104 68 22 84 94 60 79 39 122 87 123 118 7 63 53 83 46 100 114 13 47 28 98 105 18 82 107 76 89 92 45 8 50 51 80 62 9 41 30 42 26 12 24 106 113 5 LPO 85 115 33 58 55 4 73 77 23 57 90 61 108 91 37 21 72 35 121 48 49 38 34 124 32 95 56 70 67 25 14 15 54 109 59 65 88 3 111 19 101 74 112 16 116 11 86 2 99 110 40 10 119 96 64 31 20 17 93 36 29 43 Visit ChemicalBankMI.com for more details about each of our locations including Branch and Drive-up Hours, ATM Locations, Safe Deposit Box Availability and Contact Information. ACME |NW| 1. 5300 U.S. 31 N. BEAVERTON 13. 190 S. Ross Street CARSON CITY 25. 10795 E. Carson City Rd. ALBION 2. 1301 N. Eaton Street BELDING 14. 102 W. Main Street CASS CITY 26. 6363 Main Street ALLEGAN 3. 236 Hubbard Street BELMONT 15. 6011A West River Rd. NE CHARLEVOIX |NW| 27. 1425 Bridge Street ALLENDALE 4. 5980 Lake Michigan Dr. BENTON HARBOR CLARE 28. 807 N. McEwan Street ALMA 5. 7295 Alger Road 16. Downtown Office 433 W. Main Street 16. Fairplain Office 834 Nickerson Avenue COLDWATER 29. 390 E. Chicago Street ALPENA 6. Alpena M-32 Office 1324 M-32 West 6. Alpena Office 2708 US-23 South 16. Orchards Office 1882 Pipestone Road COLEMAN 30. 375 E. Railway Street BERRIEN SPRINGS 17. 9190 US Highway 31-33† AU GRES 7. 144 W. Huron Road BIG RAPIDS 18. Big Rapids Main Office 125 N. Michigan Avenue COLOMA 31. Coloma Office† 209 N. Paw Paw Street AUBURN 8. 232 W. Midland Road BAD AXE 9. 704 N. Van Dyke Road BARODA 10. 9061 First Street† BATTLE CREEK 11. Battle Creek Riverside 290 E. Columbia Ave. 11. Battle Creek Pennfield 1295 Capital Ave. NE 11. Battle Creek Meijer 2151 W. Columbia Ave. 11. Battle Creek North 701 North Ave 11. Battle Creek Urbandale 1 Bedford Road North BAY CITY 12. Bangor Township Office 3533 E. Wilder Road 18. Southland Office 104 Perry Avenue BLOOMINGDALE 19. 101 Spring Street BUCHANAN 20. Buchanan Office† 128 N. Main Street 20. Buchanan Autobank* 1101 E. Front Street BYRON CENTER 21. 2445 84th Street SW CADILLAC 22. Cadillac Downtown Office 302 S. Mitchell Street 22. Cadillac NE Office 1408 N. Mitchell Street 31. Coloma Autobank* 6540 Paw Paw Avenue CORUNNA 32. 310 N. Shiawassee Street CRYSTAL 33. 101 N. Main Street CUTLERVILLE 34. 6455 Division SE DORR 35. 1604 142nd Street DOWAGIAC 36. 114 Commercial Street DUTTON 37. 3205 68th Street SE EAST PARIS 38. 4024 Park E. Court SE 22. Cadillac South Office |NW| 150 Granite Street EAST TAWAS 39. 228 Newman Street 12. Bay City Main Rivers Edge Office 3 East Main Street CALEDONIA 23. 627 E. Main Street EAU CLAIRE 40. 6534 Main Street† 12. Columbus Office 1513 Columbus Avenue CARO 24. Caro Autobank* 150 E. Burnside Street EDENVILLE 41. 5777 S. M-30 12. Seventh Street Auto* 600 Washington Ave 12. West Side Office 21 E. Main Street 24. Caro East Office† 1079 E. Caro Road 24. Caro Main Office 240 N. State Street EDMORE 42. 400 E. Main Street EDWARDSBURG 43. 68955 M-62 |4| ELK RAPIDS |NW| 44. 97 River Street GUN LAKE 59. 12850 W. M-179 Hwy. ESSEXVILLE 45. 3101 Center Avenue HALE 60. 114 N. Washington St EVART 46. 9568 US-10 HAMILTON 61. 3614 M-40 KALKASKA |NW| 75. 112 S. Cedar Street FARWELL 47. 259 West Main Street HARBOR BEACH 62. 112 N. Huron Avenue KAWKAWLIN 76. 100 E. Chippewa Street FENNVILLE 48. 125 S. Maple Street HARRISON 63. Downtown Office† 127 N. 2nd Street KENTWOOD 77. 6225 Kalamazoo Ave. SE 63. Harrison North Office 3245 N. Clare Avenue KINGSLEY |NW| 78. 111 N. Brownson Avenue 49. Pierson Road Office G-4346 W. Pierson Rd. HARTFORD 64. 18 N. Center Street LAKE CITY 79. 127 S. Main Street FREELAND 50. 230 N. Main Street HASTINGS 65. 241 W. State Street LAKEVIEW 80. 9650 N. Greenville Road FREMONT 51. 211 W. Main Street HILLMAN 66. 118 N. State Street LELAND |NW| 81. 115 N. Main Street** GAYLORD 52. Gaylord Main 521 W. Main Street 52. Gaylord South |NW| 2091 S. Otsego Avenue HOLLAND 67. Holland North Office 177 North River Avenue LINWOOD 82. 120 W. Center Street† GLADWIN 53. Downtown Office† 245 E. Cedar Street 67. Riley Street Office 12368 Riley Street FLINT 49. Bristol Road Office G-3501 S. Linden Rd. 53. Gladwin Office 1016 E. Cedar Avenue GRAND HAVEN 54. 1600 S. Beacon Blvd. GRAND RAPIDS 55. Bridge Street Office 910 Bridge Street NW 55. Cascade Office 6275 28th Street SE 67. Holland South Office 855 S. Washington Ave. HOUGHTON LAKE 68. Houghton Lake East 2263 W. Houghton Lake Dr. 68. Houghton Lake Central l |NW| 5213 W. Houghton Lake Dr. 68. Houghton Lake West 7409 W. Houghton Lake Dr. HUBBARD LAKE 69. 14963 Hubbard Lake** 55. Walker Main Office 2185 - 3 Mile Road NW HUDSONVILLE 70. 4595 32nd Avenue GRANDVILLE 56. 4495 Wilson Avenue INTERLOCHEN |NW| 71. 2112 M-137 GRAYLING 57. 2500 I-75 Business Loop JAMESTOWN 72. 3208 24th Avenue GREENVILLE 58. 1311 W. Washington St. JENISON 73. 1963 Baldwin Street |5| KALAMAZOO 74. Downtown Office† 211 E. Water St, Suite 100 74. West Kalamazoo 6080 W. Main Street LUDINGTON |NW| 83. Downtown Office 101 E. Court Street 83. East Office 3965 W. US Highway 10 MANISTEE |NW| 84. 325 First Street MARLETTE 85. 2592 S. Van Dyke MARSHALL 86. Marshall Downtown Office 131 W. Michigan Avenue 86. Marshall Main Office 115 West Drive South MCBAIN 87. 101 N. Roland Street MIDDLEVILLE 88. 303 Arlington Street MIDLAND 89. Abbott Road Office 2405 Abbott Road 89. Circle Office 2910 Jefferson Avenue 89. Isabella Road Office 3400 Isabella Road 89. Larkin Office 6711 N. Jefferson Ave. 89. Midland Main Office 333 E. Main Street 89. Midland Main Drive Thru*† 310 Larkin Street REED CITY 100. 840 S. Chestnut Street STANDISH 114. 220 S. Main Street RICHLAND 101. 9010 East D Ave. STANTON 115. Stanton Main Office† 110 E. Main Street ROGERS CITY 102. 111 W. Michigan Ave. 89. Northwest Office 2106 N. Saginaw Road ROSCOMMON 103. 505 N. Fifth Street MOLINE 90. 4426 Division ROSE CITY 104. 508 Bennet MORRICE 91. 318 N. Main Street ROSEBUSH 105. 4011 E. Rosebush Rd.† MT. PLEASANT 92. Mission Street Office 1908 S. Mission Street SAGINAW 106. Fashion Square Office 4955 Bay Road 106. Gratiot Road Office 5610 Gratiot Road 92. Pickard Street Office 914 E. Pickard Avenue NILES 93. Niles Main Office 407 E. Main Street 93. Niles South Office 1835 S. 11th Street OSCODA 94. 4452 F41 OWOSSO 95. Owosso East Office 1345 E. Main Street 95. Owosso Main Office 100 E. Main Street 95. Owosso South Autobank*† 301 S. Washington St. 95. Owosso West Office 1200 W. Main Street PAW PAW 96. 212 S. Kalamazoo Street PETOSKEY |NW| 97. Petoskey North Office** 300 Howard Street 97. Petoskey South Office 919 Spring Street PINCONNING 98. 3858 North M-13 PORTAGE 99. 8025 Creekside Drive 106. Midland Rd. Office 2300 Midland Road SANFORD 107. 256 W. Saginaw Road SAUGATUCK 108. 249 Mason Street SHERIDAN 109. 201 S. Main Street SISTER LAKES 110. 67900 State Route 152 SOUTH HAVEN 111. South Haven Office 433 Phoenix Street 111. Suburban Office 73881 M-43 ST. JOSEPH 112. Cleveland Avenue Office 2600 S. Cleveland Ave. 112. Court Place Office 720 Pleasant Street 112. Main Street Autobank* 300 Main Street 112. Southtown Autobank* 2017 Niles Road ST. LOUIS 113. 111 W. Saginaw Street 115. Stanton Drive Thru* 401 N. State Street STEVENSVILLE 116. Lakeshore Office 1711 W. John Beers Rd. SUTTONS BAY |NW| 117. Suttons Bay Downtown 212 St. Joseph Street 117. Suttons Bay South 105 W. Fourth Street TAWAS CITY 118. 17 E M-55 THREE OAKS 119. 11 East Linden Street TRAVERSE CITY |NW| 120. Chum’s Corners 4205 US 31 S 120. Traverse City Downtown 203 S. Union Street 120. Fourteenth Street 613 W. Fourteenth St. 120. Garfield Avenue 625 S. Garfield Avenue 120. Front Street** 107 E. Front Street 120. West Bay 13936 S. West Bay Shore Drive WAYLAND 121. 1146 W. Superior St. WEST BRANCH 122. 700 W. Houghton Ave WHITTEMORE 123. 205 N. Bullock Street ZEELAND 124. Zeeland South 501 W. Main Street 124. Zeeland North 9581 Riley Street |6| Closing on December 1, 2014. * Limited drive-thru services available at this location. † No ATM available at this location. **Cash dispenser ATM; deposits are not accepted l |NW| Northwestern Bank Location OFF-PREMISE CASH DISPENSER ATM LOCATIONS Auburn, Dow Corning Corporate Center Benton Harbor, Lake Michigan College Benton Harbor, Meijert Berrien Springs, Pri-Mart Quick Shop & Amoco Stationt Clare, Cids Marathont Dorr, Sandy Pines Fairgrove, 5002 W. Centert Freeland, MBS International Airportt Grandville, RiverTown Crossings Mall (3 ATMs) Hastings, 1005 West State Streett Manistee, Family Fare Mattawan, Pri-Mart Quick Shopt Midland, Bullock Creek 1505 Poseyville Roadt Midland, Midland Cinemas Midland, Midland Civic Arena Midland, Midland County Fairgrounds (May - September) Midland, Currie Golf Course Clubhouse (April-October) Midland, Dow Chemical 2030 Building Midland, Dow Corning Plant Cafeteria Building Midland, Dow Diamond Ballpark Midland, Midland East End Buildingt Midland, MidMichigan Regional Medical Centert Midland, Northwood University, Miner Hall Midland, Valley Lanes Midland, Wackerly Squaret Northport, Tom’s Food Market South Haven, South Haven Amoco Stationt Traverse City, Chum’s Corners Family Fare Traverse City, East Bay, Tom’s Food Market University Center, Delta College (2 ATMs) Watervliet, Pri-Mart Quick Shop & Amoco Stationt Williamsburg, Tom’s Food Market t Off premise ATM available 24/7 MORTGAGE LOAN PRODUCTION OFFICE MANISTEE SAGINAW 327 First Street*** 100 S. Michigan Avenue*** |7| ***Mortgage office only. No banking services on site. About Chemical Bank Chemical Bank was founded over 95 years ago in Midland, Michigan with the purpose of providing banking services for the local community. We have grown extensively over the years, and now serve well over 100 different communities throughout the lower peninsula of Michigan. Despite our growth, we have remained, at our core, a Community Bank, committed to helping provide financial services to all of the communities we serve. We are dedicated to providing strong community leadership, rapid local response and personalized service to develop solutions that meet the needs of our customers. We have a vested interest in the financial well-being of the people, businesses and communities across the state. Our decision-makers live in our local communities and want to help our customers make their financial dreams come true. Financial Strength Chemical Bank remains a safe and secure financial institution with a capital position that continues to far exceed regulatory guidelines for being considered well-capitalized, the highest category of capitalization as defined by Federal bank regulators. We remain committed to supporting growth across the state and have the capital necessary to lend money to customers that meet our lending standards. Want to have updates and specials delivered to you via email or text? Sign up by going to ChemicalBankMI.com. It’s easy and convenient. Sign up today! |8| Product Comparison Chart | Account Checking New Account Basic Checking ChemBasic Checking Premier Checking Advantage Checking Relationship Checking Advantage Checking Health Savings Account Health Savings Account Refer to your current Northwestern Bank Statement to locate the name of your account type to determine how your account will be converted. ChemBasic Checking Chemical Bank ChemBasic Checking is a personal checking account with no minimum balance requirement, no check writing limitations, and no percheck charge. You will enjoy these additional features: • • • • • Free ATM Transactions at Chemical Bank ATMs Free unlimited Debit Card Transactions Free unlimited eBillPay Services Free eBanking, Mobile and Voice Banking Service Save money by signing up for eStatements and avoid the $3.00 paper statement delivery charge • Check images are available through our eBanking system and are no longer available with your statement Overdraft Privilege | ChemBasic Checking Overdraft Privilege is a convenient service available with any qualifying ChemBasic Checking account in the amount of $500. If you write a check with insufficient funds in your account, rather than returning it unpaid, Chemical Bank will consider paying your reasonable overdraft. Overdraft protection will be transferred to your Chemical Bank account for ATM and Debit card transactions if you have previously opted-in for this service. You may opt-in or opt-out of Overdraft Privilege at any time upon request. See the notice in the Disclosure booklet for more information. |9| Green Account Green Account is a paperless checking account designed for individuals who wish to access their funds electronically using eBanking and rarely write checks. With features like Debit Card, Mobile Remote Deposit Capture, eBillPay and eStatements, our Green Account allows you to bank on your schedule. There is no monthly service charge for this account provided you sign up for eStatements within 30 days of opening your account. You will enjoy these additional features: • Free unlimited Mobile Remote Deposit Capture with Mobile Banking • No Chemical Bank foreign ATM charge if 20 Debit Card signature based transactions are completed within each monthly cycle • Free unlimited Debit Card Transactions • Free unlimited eBillPay Services • Save money by signing up for eStatements and avoid the $3.00 paper statement delivery charge • No minimum balance requirement • $1.00 per check fee Overdraft Privilege | Green Account Overdraft Privilege is a convenient service available with any qualifying Green Account in the amount of $500. If you write a check with insufficient funds in your account, rather than returning it unpaid, Chemical Bank will consider paying your reasonable overdraft. Overdraft protection will be transferred to your Chemical Bank account for ATM and Debit card transactions if you have previously opted-in for this service. You may opt-in or opt-out of Overdraft Privilege at any time upon request. See the notice in the Disclosure booklet for more information. | 10 | Advantage Checking Enjoy the benefits of higher earning power with Chemical Bank’s Advantage Checking* account. Advantage Checking allows you to earn interest on your daily balances and provides you with all the benefits Chemical has to offer. • • • • • Balance Rate $0 - $9,999 Tier 1 $10,000 - $24,999 Tier 2 $25,000 and over Tier 3 Free ATM Transactions at Chemical Bank ATMs Free unlimited Debit Card Transactions Free unlimited eBillPay Services Free eBanking, Mobile and Voice Banking Service Save money by signing up for eStatements and avoid the $3.00 paper statement delivery charge *A minimum balance of $1000, or a monthly average balance of $1500, must be maintained in order to avoid a monthly service charge of $7.00. The monthly service charge is waived if you maintain a $10,000 aggregate account balance in all other Chemical Bank deposit accounts or if you have a MI Savings account. You will no longer receive one free box of checks per year, free cashier’s checks and money orders or discounted Travel Cards. Overdraft Privilege | Advantage Checking Overdraft Privilege is a convenient service available with any qualifying Advantage Checking account in the amount of $1,200. If you write a check with insufficient funds in your account, rather than returning it unpaid, Chemical Bank will consider paying your reasonable overdraft. Overdraft protection will be transferred to your Chemical Bank account for ATM and Debit card transactions if you have previously opted-in for this service. You may opt-in or opt-out of Overdraft Privilege at any time upon request. See the notice in the Disclosure booklet for more information. | 11 | Classic Checking Classic Checking* is a personal checking account with a low minimum balance requirement, no check writing limitations, and no per-check charge. You will enjoy these additional features: • • • • • Free ATM Transactions at Chemical Bank ATMs Free unlimited Debit Card Transactions Free unlimited eBillPay Services Free eBanking, Mobile and Voice Banking Service Save money by signing up for eStatements and avoid the $3.00 paper statement delivery charge *A minimum balance of $500 must be maintained in order to avoid a monthly service charge of $5.00. Overdraft Privilege | Classic Checking Overdraft Privilege is a convenient service available with any qualifying Classic Checking account in the amount of $800. If you write a check with insufficient funds in your account, rather than returning it unpaid, Chemical Bank will consider paying your reasonable overdraft. Overdraft protection will be transferred to your Chemical Bank account for ATM and Debit card transactions if you have previously opted-in for this service. You may opt-in or opt-out of Overdraft Privilege at any time upon request. See the notice in the Disclosure booklet for more information. Ask about our preferred loan rates with auto-pay from your Chemical Bank checking or savings account. | 12 | ChemPlus Checking ChemPlus Checking is a personal checking account for individuals 55 and older. Enjoy a checking account that’s economical and flexible with unlimited check writing, no monthly service charge and no minimum balance required. You will enjoy these additional features: • • • • • • Free ATM Transactions at Chemical Bank ATMs Free unlimited Debit Card Transactions Free unlimited eBillPay Services Free eBanking, Mobile and Voice Banking Service Free green mint safety paper checks or 50% discount on other styles Free notary and photocopies Overdraft Privilege | ChemPlus Checking Overdraft Privilege is a convenient service available with any qualifying ChemPlus Checking account in the amount of $500. If you write a check with insufficient funds in your account, rather than returning it unpaid, Chemical Bank will consider paying your reasonable overdraft. Overdraft protection will be transferred to your Chemical Bank account for ATM and Debit card transactions if you have previously opted-in for this service. You may opt-in or opt-out of Overdraft Privilege at any time upon request. See the notice in the Disclosure booklet for more information. Federal Deposit Insurance Limits The standard deposit insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. The FDIC insures deposits that a person holds in one insured bank separately from any deposits that the person owns in another separately chartered insured bank. For example, if a person has a certificate of deposit at Bank A and has a certificate of deposit at Bank B, the amounts would each be insured separately up to $250,000. Funds deposited in separate branches of the same insured bank are not separately insured. The FDIC provides separate insurance coverage for funds depositors may have in different categories of legal ownership. The FDIC refers to these different categories as “ownership categories.” This means that a bank customer who has multiple accounts may qualify for more than $250,000 in insurance coverage if the customer’s funds are deposited in different ownership categories and the requirements for each ownership category are met. | 13 | Health Savings Account A Health Savings Account (HSA)* is a designated account to help you save for qualified medical expenses on a tax advantage basis. It’s easy - you contribute money saved on lower premiums to your HSA and that money has the potential to grow so you can more easily afford the deductible when needed. Balance Rate $0 - $500 Tier 1 $501 - $2,500 Tier 2 $2,501 - $10,000 Tier 3 $10,001 - over Tier 4 Be financially prepared to do what’s best for your health. • Make contributions at your convenience at a branch, ATM, through eBanking, mobile banking or automatic transfer • Access funds through a HSA Debit Card or Checks • Maximum contribution levels for 2014 are $3,300 for single coverage and $6,550 for family coverage. Note that maximum contribution amounts could change annually. • No minimum balance or monthly maintenance fee. *You must be under age 65, not enrolled in Medicare and covered under a high deductible health plan. The FDIC provides separate insurance coverage for a depositor’s funds at the same insured bank if the deposits are held in different ownership categories. To qualify for this expanded coverage, the requirements for insurance coverage in each ownership category must be met. When two or more insured banks merge, deposits from Northwestern Bank are separately insured from deposits at Chemical Bank for at least six months after the merger. This grace period gives a depositor the opportunity to restructure his or her accounts, if necessary. CDs from Northwestern Bank are separately insured until the earliest maturity date after the end of the six-month grace period. CDs that mature during the six-month period and are renewed for the same term and in the same dollar amount (either with or without accrued interest) continue to be separately insured until the first maturity date after the six-month period. If a CD matures during the six-month grace period and is renewed on any other basis, it would be separately insured only until the end of the six-month grace period. | 14 | Product Comparison Chart | Account Savings New Account Piggy Bank Savings Classic Savings — Minor Keep it Simple Savings Classic Savings Xmas Club January — December Holiday Club — Late (October 31st) IRA Savings 6 Month Variable Rate IRA Refer to your current Northwestern Bank Statement to locate the name of your account type to determine how your account will be converted. MI Savings Chemical Bank’s MI Savings account provides a flexible savings product with a competitive rate. Our MI Savings account allows you to have access to your money when you need it. You will enjoy these additional features: • • • • • • • • Unlimited Deposits 4 free withdrawals per month* No minimum balance requirement Earn Interest Free eBanking Service Free Voice Banking Service Free Mobile Banking Preferred Loan Rates with auto-pay Balance Rate $0 - $4,999 Tier 1 $5,000 - $9,999 Tier 2 $10,000 - $24,999 Tier 3 $25,000 - $49,999 Tier 4 $50,000 - $99,999 Tier 5 $100,000 and over Tier 6 You may also be eligible for a monthly service charge-free Advantage checking account. Ask your local Chemical Bank representative for more details. *A $1.00 fee will be charged for each withdrawal after 4. Please see the Disclosure booklet for additional withdrawal restrictions. | 15 | Classic Savings Chemical Bank has savings solutions to fit your needs. The Classic Savings account allows you to save for short- or long- term goals while maintaining access to your funds and earning interest. • • • • Unlimited Deposits 6 free withdrawals per month* $300 minimum balance requirement (beginning on 1/1/15)** Free eBanking, Mobile and Voice Banking Service *A $1.00 fee will be charged for each withdrawal after 6. Please see the Disclosure booklet for additional withdrawal restrictions. **If your balance falls below $300 on or after 1/1/15 you will be charged a $3.00 monthly fee until the balance requirement is met. Classic Savings — Minor Our Classic Savings — Minor account is a savings account for children under the age of 18. Save as much as you want, earn interest, and have your money available whenever you need it. • • • • • Unlimited Deposits 6 free withdrawals per month* No minimum balance requirement Free eBanking, Mobile and Voice Banking Service Free Dollar, the Silver Squirrel story book just for opening a new account *A $1.00 fee will be charged for each withdrawal after 6. Please see the Disclosure booklet for additional withdrawal restrictions. Holiday Club Holidays are made easy with our Holiday Club* account. It’s a great way to save money throughout the year for your next holiday season. Watch small amounts grow with a recurring savings routine. • No minimum balance requirement • Unlimited Deposits • Annually on October 31st funds including interest will be paid to you by check or account transfer *After the account is opened, you may not withdraw your deposited funds without penalty. If you withdraw the funds before payout in October, your account will be closed and all accrued interest will be forfeited. | 16 | Product Comparison Chart | Account Money Market New Account Money Market Account Money Market Account Money Market Plus Money Market Account Refer to your current Northwestern Bank Statement to locate the name of your account type to determine how your account will be converted. Money Market Chemical Bank’s Money Market account is perfect for individuals to earn interest and still have complete access to their funds. If the average daily collected balance falls below the minimum requirement of $2,500, the service charge for the monthly statement cycle is $10. Money market accounts are variable tiered-rate accounts in which your interest rate increases as your balance increases, based on the schedule shown below. You will enjoy these additional features: • • • • • • Unlimited Deposits Unlimited in person and ATM withdrawals* Earn Interest Free eBanking Service Free Voice Banking Service Free Mobile Banking Service *Limit of 6 pre-authorized debits which includes checks, telephone, PC and ACH transactions. Balance Rate $0 - $9,999 Tier 1 $10,000 - $24,999 Tier 2 $25,000 - $49,999 Tier 3 $50,000 - $99,999 Tier 4 $100,000 and over Tier 5 Premier Money Market Chemical Bank’s Premier Money Market account has all of the same features as our traditional Money Market account while earning a higher interest rate on balances $50,000 or greater. Visit your local branch to learn more about the interest rate tiers and the benefits of this account. | 17 | Safe Deposit Box At Chemical Bank, we understand how important it is to keep your valuables safe. Rest assured that your treasured personal belongings will remain safe and sound in a Chemical Bank Safe Deposit Box. Description 2” x 5” 3” x 5” 5” x 5” 3” x 10” 5” x 10” 6” x 10” Stop by your local Chemical Bank branch to learn more about our array of safe deposit box options.* 7” x 10” 9” x 10” 10” x 10” *Safe Deposit Boxes are subject to availability and one-year agreement. CDs and IRAs At Chemical Bank, we are committed to providing our customers with the best investment opportunities available. Rest assured you’ll receive a competitive rate of interest and the security of knowing you are banking with a trusted partner. CDs | Rates and terms of your existing Certificate of Deposit (CD) will not change at this time. For your convenience CDs automatically renewing will continue to do so at Chemical Bank and you will receive a renewal notice. If you’re presently having interest from your CDs credited to an account, or are receiving interest checks, this practice will remain the same. IRAs | Rates and terms on most Individual Retirement Accounts (IRAs) will not change at this time and will automatically renew at the maturity date. If any changes will be made to your account, you will receive further communication prior to the IRA maturity date. | 18 | ATM Card Chemical Bank’s ATM* Card provides you with the convenience of 24-hour banking for routine banking services. Make deposits, withdrawals, transfers, payments and balance inquiries at any Chemical Bank ATM. You may also make withdrawals and balance inquiries at any ATM displaying the NYCE or Cirrus network symbols. If you presently have an ATM card, we will automatically reissue you a new Chemical Bank card. You will receive additional information regarding the activation of your ATM card prior to conversion. *The maximum daily ATM withdrawal limit and POS limit for Chemical Bank account holders is $500. Surcharges from other financial institutions may apply. Debit Card Chemical Bank’s MasterCard® Debit* Card is more convenient and safer than carrying checks. With our Debit Card you have access to over 200 Chemical Bank ATMs across the state and can use your Debit Card to make purchases at millions of locations worldwide where MasterCard® is accepted. Enroll in our Preferred RewardsSM program and earn points for everyday purchases when completing signature-based transactions - points can be redeemed for valuable merchandise, dining, shopping, travel and entertainment. Receive 2,000 Bonus Preferred Rewards Points after completing your first signature-based purchase. Simply contact your local branch or our Customer Care Center to enroll in the Preferred Rewards Program today. While using your Chemical Bank Debit Card for every day transactions you’ll begin to receive offers from our new MI Rewards program! Log into the Preferred Rewards site and click on the “MI Rewards” button to see your offers. If you presently have a Debit Card, we will automatically reissue you a new Chemical Bank Card. You will receive additional information regarding the activation of your Debit card prior to conversion. After activating your new Debit Card you may register your new card in our MasterCard Secure Code service by visiting ChemicalBankMI.com or calling 800.867.9757. This service allows you to protect your card with your own personal password so only you can make online purchases. Please note that customer selected foreign country transaction blocking parameters will not transfer to your new card. To learn more about protecting your Debit Card transactions from fraudulent activity, visit your local Chemical Bank branch or ChemicalBankMI.com. *The maximum daily ATM withdrawal limit, POS, and cash advance limit for Chemical Bank account | 19 | holders is $500. The maximum daily debit card purchase amount for Chemical Bank account holders is $2,500. Surcharges from other financial institutions may apply. Business Debit Card Chemical Bank’s Business Debit* Card is convenient and safer than carrying checks or keeping petty cash on hand. With our Business Debit Card you have access to over 200 Chemical Bank ATMs across the state and you and your employees can use it to make routine business purchases at millions of locations worldwide where MasterCard® is accepted. Enroll in our Preferred RewardsSM program and earn points for everyday purchases when completing signature-based transactions - points can be redeemed for valuable merchandise, dining, shopping, travel and entertainment. Receive 2,000 Bonus Preferred Rewards Points after completing your first signature-based purchase. Simply contact your local branch or our Customer Care Center to enroll in the Preferred Rewards Program today. While using your Chemical Bank Business Debit Card for every day transactions and earning Preferred Rewards points, you’ll begin to receive offers from our new MI Rewards program! Based on the way you shop, you’ll receive money-saving deals and discounts tailored just for your business. Log into the Preferred Rewards site and click on the “MI Rewards” button to see your offers. If you presently have a Business Debit Card, we will automatically reissue you a new Chemical Bank Card. You will receive additional information regarding the activation of your Business Debit Card prior to conversion. *The maximum daily ATM withdrawal limit, POS, and cash advance limit for Chemical Bank account holders is $500. The maximum daily debit card purchase amount for Chemical Bank account holders is $3,500. Surcharges from other financial institutions may apply. Mobile Banking Enjoy the convenience and simplicity of Chemical Bank’s Mobile Banking service anywhere, any time. Our easy to use platform will provide convenient and secure access to your account information while giving you more control over your finances. You’ll be able to transfer funds, check account balances, view history, make bill payments, set alerts and deposit checks* — all from the palm of your hand! If you are currently enrolled in Northwestern Bank’s Mobile Banking service you will need to register for Chemical Bank’s Mobile Banking after conversion. Our free app is available at the App Store, Android Market or Black| 20 | berry App World and we also offer Mobile Web and Text Banking. Please note that Mobile Banking is only available for personal banking customers. Visit ChemicalBankMI.com/Mobile for more information. *Some fees and restrictions may apply. Voice Banking Voice banking gives you free access to Chemical Bank services at your convenience, 24 hours a day – 7 days a week. With voice banking, you can access your account information, transfer funds, make loan payments, and verify recent transactions. If you currently use voice banking at Northwestern Bank, you will receive a letter with information explaining how to register for Chemical Bank’s voice banking. You will have access to our voice banking system after conversion. Enrolling in voice banking is simple and only takes a few moments. If you are not currently using voice banking, and are listed as Primary Owner on an account at Chemical Bank, simply call 1.800.757.BANK (2265) after conversion. Please note that you will need to know your account number prior to calling. For customers who are not listed as Primary Owners on any of their Chemical Bank accounts, contact the Customer Care Center at 1.800.867.9757 after conversion for assistance. ePersonal Online Banking and eBillPay Our online banking is a service that allows you to balance your accounts, view transactions and transfer funds between accounts — all with the click of a mouse. You will enjoy these additional features: • • • • Pay Bills from virtually anywhere at anytime Create stop payment requests and set-up account alerts Access your statement and account history online View cleared check images and manage your finances with eFinance After conversion, sign up for instant access by visiting our website at www. ChemicalBankMI.com and click on Online & Mobile. If you currently use personal Online Banking at Northwestern Bank, you will automatically have access to Chemical Bank’s ePersonal Online Banking service after conversion. Your User ID will remain as it is currently. Prior to con| 21 | version, you will receive a series of emails with information about our eBanking services and login information including a Temporary Password that you will use the first time you log into our eBanking system. More information about One-time and Recurring Internal Account Transfers will be provided in an email prior to conversion. We also recommend that you record your Bill Payee and Scheduled Payment information prior to conversion for future reference. Your Northwestern Bank account history will not be available on the new system; therefore, we recommend you download and save all account history for your records. Please allow sufficient time for processing as Chemical Bank’s eBillPay transactions are processed by the scheduled Deliver by Date. Note that funds are debited from your funding account on the Send Date, the date on which you would like your payment sent to ensure timely delivery. Need Help — • Chat through online banking or visit ChemicalBankMI.com Monday through Friday: 7:00 am - 9:00 pm • Call our Customer Care Center at 1.800.867.9757 Monday through Friday: 7:00 am - 9:00 pm and Saturday: 8:00 am - 2:00 pm eStatements Streamline your finances by signing up for eStatements from Chemical Bank. Enjoy safe, secure, and faster access to your bank statements from your computer. Simply register for online banking, or log into your online banking account and select “eStatements.” You will enjoy these additional features: • • • • Access and maintain electronic records of your account statements Retrieve your statements from any computer with internet access Monthly statement history will begin upon enrollment Access to a rolling 3 years of statements If you are currently enrolled at Northwestern Bank to access your statements online, after conversion you will need to log in to Chemical Bank’s Online Banking service and enroll in our eStatement service by accepting the terms and conditions to continue receiving your electronic statement. Once you have enrolled in our eStatement service, you will receive an email when your eStatement is available. Statements can then be securely accessed by logging in to Online Banking. You will receive a communication further detailing your new eStatement service in the near future. Please note that upon conversion your last Northwestern statement(s) will be mailed to you. Retain these documents for your records. You can visit us at www.ChemicalBankMI.com to find out more about our eBanking services. | 22 | Other Chemical Bank Services eMailed Statements Not quite ready for online banking but still want the benefits of eStatements? Sign up for our email Statement option. Our email Statements offer many of the same benefits as eStatements without requiring an online banking account. Enjoy safe, secure, and faster access to your bank statements from your computer. You will enjoy these additional benefits: • Access to your statement the next business day after your statement date • Receive your statements through a secure, encrypted email • Easy sign up and email verification process To enroll in email Statements visit any of our locations after conversion or contact our Customer Care Center at 1.800.867.9757. Personal Loans Rates are at one of their lowest points in years, so now is the time for a new loan.* Whether it’s for a new vehicle, once-in-a-lifetime vacation or opening a new business venture, Chemical Bank is a trusted partner when it comes to getting you the right loan at the right rate. If you currently have a personal loan you will receive a new payment book or loan statement after conversion. For your convenience auto-pay transfers will continue without interruption; please check your accounts to verify that the auto-pay transfer was successful. Refer to the “Additional Information” section at the back of this book to review our loan payment policies. If applicable, to ensure that we have current insurance coverage information on file for your loan, you will receive a letter at a later date confirming proper coverage. *Loans subject to credit approval. Home Equity and ChemLine Loans Now is the time to take advantage of the equity you have in your home. With rates at their lowest in years, you have the opportunity to open a new ChemLine* home equity line of credit with Chemical Bank today. Use your equity to consolidate debt, take a vacation or pay for home remodeling. If you currently have a home equity line of credit, you will receive new access checks for your ChemLine account after conversion as your old checks will no longer be usable. *New loans will be subject to credit approval. | 23 | Credit Cards Chemical Bank offers a variety of credit cards to meet your needs. Choose the card and rewards that are right for you. Become a card member and enjoy a wide range of benefits including competitive introductory rates and your choice of rewards programs. For more information visit our website at www.ChemicalBankMI.com or stop by your local Chemical Bank location. If you currently have a credit card through Northwestern Bank it will still be serviced through Elan; therefore after conversion Chemical Bank locations will not be able to accept credit card payments. Following is information for contacting Elan’s Cardmember Services: • 24-Hour Service: 1.800.558.3424 or Technical Support: 1.877.334.0460 • Online: https://www.myaccountaccess.com/onlineCard/login.do?phase=start Send a Payment: Cardmember Service P.O. Box 790408 St. Louis, MO 63179-0408 Send an Overnight Payment: Cardmember Service 824 N 11th Street St. Louis, MO 63101-1016 Mortgages At Chemical Bank, we can make you just as comfortable financing your new home as you are in it. Our knowledgeable and friendly staff make buying, building or refinancing a home a lot less intimidating. We’ll help you make the most of every opportunity and find the right solution for your needs. Travel Cards Travel cards may be reloaded at www.myprepaidbalance.com or at any Western Union location. Reloadable Cards Chemical Bank’s Reloadable Card will provide you with a convenient payment tool to help you meet your banking needs. Whether you want the freedom of having access to a Prepaid Debit Card for purchases, or are traveling away from home, Chemical Bank’s Reloadable Card option provides you with the flexibility you need. And most importantly, the Chemical Bank Reloadable Card features zero liability for unauthorized use if your card is lost or stolen. | 24 | The Chemical Bank Reloadable Card will allow you to: • • • • • Avoid carrying large sums of cash by funding the amount you desire Make purchases and pay bills – Everywhere Visa® is accepted Limit your risk of fraud while shopping online Teach young adults money management skills without the risk of overdrafts Withdraw cash at any ATM* *Additional fees and limitations may apply. Prepaid Gift Cards The Prepaid Visa® Gift Card* is the perfect gift for birthdays, weddings, holidays and more. You decide the amount and the recipient decides where to use it. And it can be used everywhere Visa Debit is accepted! So no matter what the occasion, you’ll be giving exactly what they want – every time. Benefits of a Prepaid Visa Gift Card include: • Acceptance - The card is welcome at millions of locations worldwide, including retail stores and online • Fits any budget - You choose the amount you want to give • Safer than cash - Unlike cash, it can be replaced if lost or stolen • Bulk Orders - You can purchase gift cards in bulk quantities of 10 or more For more information about a Prepaid Visa Gift Card, visit any of our locations. *Signature and POS purchases only. Minimum amount load is $10.00 and maximum is $1,000.00. Following 12 consecutive months of inactivity, a monthly fee of $4.95 will be applied to any remaining balance. Funds do not expire. The Visa Gift Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. The Bancorp Bank; Member FDIC. Business Banking Services Chemical Bank offers a full line of business banking products. If you are a Northwestern Bank business account holder we will be communicating with you in the next month regarding details about how your account will be transferred to Chemical Bank. Identity Theft Services Chemical Bank will not be offering Northwestern Bank’s ID Protection service offered through Deluxe. As a MasterCard® Debit Cardholder you can benefit from the Identity Theft Resolution Services. This benefit assists cardholders with restoring their identity by offering 24/7 access to certified resolution specialists. They will assist you with notifying all three major credit reporting services, place blocks on cardholders’ records and obtain free credit | 25 | reports. They will provide assistance with alerting various parties of the potential fraud and cancellation of all lost cards in your wallet. Wealth Management Services Good advice is crucial when you are making investment decisions, planning for your retirement or deciding how your assets should pass to your family. At Chemical Bank Wealth Management, we have fifty years of experience helping our clients build and sustain their wealth and are proud to offer personalized, local trust and investment services to individuals, businesses and non-profits. Please visit www.ChemicalBankMI.com/WealthManagement or call 1.800.808.5404 to learn more about our Wealth Management services. If you are a client of Northwestern’s Investment | Trust | Retirement Services, you will be receiving information shortly on the transition of your account to Chemical Bank Wealth Management. Chemical Financial Advisors Using a Financial Advisor is a great investment for the future. We help our clients make the right moves to maximize their investments and avoid the wrong moves that can derail their future goals. Our Financial Advisors provide investment and insurance services throughout Chemical Bank’s branch network and help clients large and small with their money questions to help them reach their financial goals. Through an association with Cetera Investment Services, LLC.* our advisors can assist with the following: • • • • • • • • Full Brokerage Services Life Insurance Long Term Care Insurance IRAs Tax-deferred Annuities Mutual Funds 529 College Savings Plans Financial Planning If you are a Northwestern Investments’ customer you will be receiving information shortly on the transfer of your account to Chemical Financial Advisors. *Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with Chemical Bank and its related companies. Investments are: • Not FDIC insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency. Cetera is under separate ownership from Chemical Bank and its related companies. Advisory services may only be offered by Investment Adviser Representatives. Registered address: 715 East Main Street | Midland, MI 48640. | 26 | General Contact Information Customer Care Center Our Customer Care Center is available to help you: Monday - Friday: 7:00 am - 9:00 pm Saturday: 8:00 am - 2:00 pm Call Toll Free: 1.800.867.9757 Chat through online banking or visit ChemicalBankMI.com [email protected] Notice: Information sent by email is at risk of loss of confidentiality if the information is transmitted over the Internet. We do not recommend sending confidential information such as, account numbers or social security numbers by email. Mailing Address Chemical Bank Attn: Customer Care Center 333 East Main Street | P.O. Box 569 Midland, Michigan 48640-0569 Lost or Stolen ATM/Debit Cards Weekdays, 8:00 am - 5:00 pm ET | 1.866.600.5878 Weekends and after business hours | 1.800.236.2442 Loan Service Center Please contact our Loan Service Center for all loan related issues: Weekdays, 8:00 am - 5:00 pm ET | 1.866.731.6414 | 27 | Mortgage and Loan Payments To ensure that your payment is promptly applied to your loan please review the following loan payment policies: • Payments will be accepted on business days, which are defined as days on which Chemical Bank offices are open to the public for all of our business functions, excluding Saturdays, Sundays and holidays. • You may make payments at your local Chemical Bank office or online if you have signed up for our ePersonal Online Banking service. You may also mail your payments to: Chemical Bank Attn: Loan Service Center P.O. Box 1527 Midland, Michigan 48641-1527 PLEASE NOTE: Payments received after 4:00 p.m. Eastern Time will not be credited to your account until the following business day; however, payments made through our ePersonal and eBusiness Online Banking systems may be processed until 6:00 pm. • Chemical Bank will hold funds for partial payments until enough funds have been received to make a full payment, at which time we will apply the payment to your outstanding balance. A full payment equals the entire contractual amount of applicable principal, interest and escrow. • If your payment is received in a substantially different manner than outlined above, Chemical Bank will have up to five days to credit your loan account. You may be charged a late fee for these types of payments as they may take longer to process. If at any time you feel that an error has been made in the processing of your loan payment, or have other service related issues, please write to us at the address listed above. Escrow Accounts All escrow accounts will transfer during this conversion and should not require any action on your part. You will see a new escrow analysis performed in the months following the conversion as we move all escrow accounts into the new escrow process. At Chemical Bank all escrow accounts are reconciled each year in March and you will see a new analysis at that time. | 28 | Additional Information New Account Numbers for Future Check Orders Please note that it is Chemical Bank’s standard for checking account numbers to be 10 digits on printed checks. Your current Northwestern Bank checks are printed with an 11 digit number which assisted Northwestern Bank with processing. After conversion, Chemical Bank will automatically adjust the Routing and Account Numbers on your check reorder that is placed through Deluxe. If you order checks through another service provider, please contact your local Chemical Bank branch or Customer Care Center to receive your 10 digit account number prior to ordering your new checks. Chemical Bank Checks have: • ABA or Routing Number — 072410013 • Account Numbers that are 10 Digits Receiving ACH Transactions Please provide the following information to the sending party so that you can continue to conduct ACH transactions (for example payroll or Social Security checks): • ABA or Routing Number — 072410013 • Account Number — Provide your account number as it appears on your current Northwestern Bank statement or your 10 digit account number as it will appear on your new Chemical Bank statement • Transaction Type — Checking or Savings Receiving Wire Transfers Please provide the following information to the sending party to continue receiving wire transfers: | 29 | • ABA or Routing Number — 072410013 • Telegraphic Wire Transfer Name: Chemical Bank • Name of customer receiving wire transfer (name on wire must be identical to name on bank records) • Account Number — Provide your account number as it appears on your current Northwestern Bank statement or your 10 digit account number as it will appear on your new Chemical Bank statement • Chemical Bank office street address, city and state where account is located • Cutoff time for incoming wires to post the same business day is 4:00 pm ET Cutoff time noted applies to business days, excluding bank holidays Quick Reference of Service Fees The following is a guide for additional services and their associated fees. Account Verification Fee.................................................................................................... $10.00 Account Reconciliation (personal account)......................................... $25.00/hour, $10.00 minimum Amortization Schedule......................................................................................................... $5.00 ATM Card Replacement Charge............................................................................................ $5.00 Withdrawals from Foreign ATM............................................................................................ $2.00 Automatic Account Transfers (for OD coverage)................................................................... $10.00 Check Cashing Fee (non-customers).................................................................................... $10.00 Checks........................................................................................................ price varies with style Closed Account Fee (within 45 days)................................................................................... $20.00 Coin Counting / Rolling Fee..................................................................................................... 10% Collection Items.............................................................................................................. $100.00 Counter Checks.......................................................................$1.00 per check without check order Coupons Deposited (bonds)............................................................................... $5.00 per envelope Customer Research...............................................................$1.00 per page plus $30.00 per hour Deposit Items Returned.......................................................... $5.00, personal — $10.00, business Dormant Account.................. $5.00 per month (on checking account with balance less than $500.00) Escheating / Escheating Recovery..................................................................... $75.00 per account Fax Service...........................................................................................................$1.00 per page Foreign Drafts.................................................................................................................. $30.00 Levy/State Warrant......................................................................................................... $100.00 Non-Sufficient Funds Charges / Overdrafts............................................................. $32.00 per item Notary Fee......................................................................... customer $2.00, non-customer $10.00 NSF Notice Sent to Additional Address............................................................................ no charge Cashier’s Checks................................................................................................................. $5.00 Photocopies............................................................................................................$.50 per page POS Transaction Fee...................................................................................................... no charge Replacement ATM/Debit Card Expedited........................................................................... $120.00 Return Mail Fee.................................................................................................................. $5.00 Safe Deposit Box Drill Fee..................................................... $125.00 or cost (whichever is greater) Safe Deposit Boxes...........................................................................................varies with box size Safe Deposit Lost Key....................................................................................................... $15.00 Savings Bond Reissuance.......................................................................................$1.00 per bond Signature Guarantee....................................................................................... $3.00 per signature Statement Copies..................................................................................................$1.00 per page Statement Sent to Additional Address............................................................................. no charge Stop Payment................................................................................................................... $32.00 Telephone Transfer Done by Individual.................................................................................... $2.00 Wire Transfers- Incoming............................................................................................... no charge Wire Transfers- Outgoing.................................................................................................. $25.00 Wire Transfers-International.............................................................................................. $50.00 | 30 |
