Chemical Financial Corporation is a holding company with three subsidiary banks: Chemical Bank and Trust Company, Chemical Bank Shoreline and Chemical Bank West. Chemicals business is concentrated in a single industry segment, commercial banking. Chemicals subsidiaries offer a full range of commercial banking and fiduciary services. These include accepting deposits, business and personal checking accounts, savings and individual retirement accounts, time deposit instruments, electronically accessed banking products, residential and commercial real estate financing, commercial lending, consumer financing, debit cards, safe deposit box services, automated teller machines, access to insurance and investment products, money transfer services, corporate and personal trust services and other banking services. The principal markets for these financial services are the communities within Michigan in which Chemicals subsidiaries are located and the areas surrounding these communities.