Chemical Financial Corporation is a multibank holding company. The Company directly owns three non-bank subsidiaries: CFC Data Corp, CFC Financial Services and CFC Title Services. Chemical's business is concentrated in a single industry segment, commercial banking. Chemical's 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.