Chemical is a very, very strange name. Why would you want to take your banking business to a bank like that? Just the name alone is enough to make me run the opposite way. Do yourself a favor and refuse to go here. Bad names give off bad vibes. I made a few calls to different Chemical banks asking them about terms on one receipt on a purchase with a chip bank card and could not get an answer on my question. One "customer representative" was starting to get very upset with me which I found very strange and scary,something you would experience in a thriller movie which I'm beginning to think we are dealing with imposters posing in important positions in the world and 99.9% sure part of the New World Order. Pretty scary stuff. What is next? I'm thinking the chip card in our skin and if you refuse tough luck...I hate to think what would happen in that scenario. Do yourself a favor and stay away from television and try to eat healthy. Thank you very much for letting me express my opinion. :)