President’s Message – East

Serving Bay City, Caro, Clare, Midland and Owosso Community Banks

As we enter the New Year, we begin thinking of ways to organize, clean-up and prepare for 2014. I would like to add one more task to the to-do list: making sure our financial data is properly maintained and secure.

We use technology every day as it presents wonderful options to improve the way we work, live and learn; however, technology also gives hackers and thieves a chance to invade our private information in ways we never thought of. Chemical Bank is committed to keeping your personal and financial information secure. Our Information Technology Security Team includes professionals that are dedicated to preventing thieves from infiltrating your account information.

Our Information Security team recommends that you keep your operating system and software up-to-date in order to maintain current security against hackers. If you receive a suspicious email from an unknown source, go with your intuition and delete the email without opening it. Major security breaches have occurred due to a hacker sending out multiple emails in hopes of one being opened so they can get into a system and collect valuable information.

Many applications and websites are now requiring identifying questions as well as stronger passwords to enhance security measures. We recommend choosing questions that cannot be answered by someone looking up your information on the internet. A good password is at least eight characters long and includes a combination of upper and lower case letters, numbers and special symbols. Avoid using your date of birth (or that of anyone that you know), Social Security Number or names of family members. Additionally, consider changing your password regularly to make it harder for thieves and hackers to access your log-on information.

I hope that Chemical Bank has fulfilled all of your financial needs in 2013 and I look forward to continuing to provide excellent customer service as well as information that makes your 2014 another great and secure year! Please remember that Chemical Bank is here to assist you with all of your financial needs. Whether you prefer to call us, stop into one of our offices, bank on-the-go with Mobile Banking, or visit us online from your computer, Chemical Bank is always available to offer you an exceptional banking experience.

For more information about any of the products and services that we offer, please visit or stop into your local Chemical Bank office. If you have any comments or questions, please feel free to contact me at (989) 839-5298 or

Warm wishes,
Robert S. Rathbun
Regional President