Chemical Financial Corporation, through its subsidiary banks, Chemical Bank and Monarch Community Bank, provides banking and fiduciary products and services to residents and business customers in Michigan. Its products and services include 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, money transfer services, automated teller machines, access to insurance and investment products, corporate and personal wealth management services, and other banking services. The company also offers mutual funds, annuity products, and market securities; and operates as an issuer of title insurance to buyers and sellers of residential and commercial mortgage properties, including properties subject to loan refinancing. As of April 1, 2015, it operated through 183 banking offices located in approximately 47 counties in Michigan. Chemical Financial Corporation was founded in 1973 and is headquartered in Midland, Michigan.