Personal Checking Accounts
We have a variety of checking account options available depending on your specific needs. Click on each account title below for details or visit one of our branch offices and we'll help you select one that fits you best.
Free Checking |
Free Checking is a non-interest bearing account that has no minimum balance requirement or monthly service charge. This account is optimal for customers who like the freedom and flexibility of Free Checking.
- $100 opening deposit
- No monthly service charge
- No minimum balance requirement
Standard Features
- Free Online Banking and Bill Pay
- Free Telephone Banking
- Monthly statements
- Free check safekeeping
- Paid check return available
- Unlimited check writing
- Visa® Debit Card and ATM Card
- Overdraft transfer protection
- Combined statements
Beyond Free Checking |
Beyond Free Checking has no minimum balance requirement or monthly service charge. Customers will enjoy all the great benefits of Free Checking, along with the added bonus of earning interest on your funds.
- $100 opening deposit
- No monthly service charge
- No minimum balance requirement
- Interest earned with a minimum balance of $2,000
Standard Features
- Free Online Banking and Bill Pay
- Free Telephone Banking
- Monthly Statements
- Free check safekeeping
- Paid check return available
- Unlimited check writing
- Visa® Debit Card and ATM Card
- Overdraft transfer protection
- Combined statements
e-Checking |
e-Checking is part of e-Banking, a relationship banking package for customers who prefer electronic banking. Banking electronically with Horizon Bank is convenient, safe and free.
- Offered as part of our e-Banking Package and must be combined with e-Savings
- $100 opening deposit (waived for minors and college students)
- $500 minimum balance requirement in order to avoid $5.00 monthly service charge
- Interest earned with a minimum balance of $1.00; tiered rates
- First box of Image style checks free
- Transfer fee waived for prearranged automatic transfers from e-Checking to e-Savings
- One NSF fee refunded per year upon customer request
Standard Features
- Free Online Banking and Bill Pay (Required)
- Free Telephone Banking
- Monthly Statements
- Free check safekeeping
- Paid check return available
- Unlimited check writing
- Visa® Debit Card and ATM Card
- Overdraft transfer protection
- Combined statements (Required if opened in conjunction with e-Savings)
Premium Checking |
Premium Checking is tailored for customers who prefer an interest-bearing checking account and maintain a balance of $5,000 or more. The account comes with a variety of value-added services.
- $100 opening deposit
- $5,000 minimum balance requirement in order to avoid $15.00 monthly service charge
- Interest earned with a minimum balance of $5,000
- Free Image style checks
- 2 free cashier's checks per day
- 0.10% rate bonus on a Certificate of Deposit(CD)
- 0.25% rate discount on a consumer loan
Standard Features
- Free Online Banking and Bill Pay
- Free Telephone Banking
- Monthly Statements
- Free check safekeeping
- Paid check return available
- Unlimited check writing
- Visa® Debit Card and ATM Card
- Overdraft transfer protection
- Combined statements
Gold Checking |
Gold Checking is designed to meet the needs of customers age 50 or better. The account is packaged with a variety of added services.
- Offered exclusively for customers age 50 or better
- $100 opening deposit
- $200 minimum balance requirement in order to avoid $7.00 monthly service charge
- Interest earned with a minimum balance of $1.00; tiered rates
- Free Image style checks
- 2 free cashier's checks per day
Standard Features
- Free Online Banking and Bill Pay
- Free Telephone Banking
- Monthly Statements
- Free check safekeeping
- Paid check return available
- Unlimited check writing
- Visa® Debit Card and ATM Card
- Overdraft transfer protection
- Combined statements
Health Savings Accounts
A Health Savings Account(HSA) is a savings vehicle that uses funds to pay for medical expenses while giving tax benefits. You must be enrolled in a high deductible health plan to be eligible for an HSA. Contributions are deductible and distributions are tax free as long as funds are used for qualifying medical expenses.
- $100 opening deposit (waived if funded by a direct deposit arrangement)
- $750 minimum balance requirement in order to avoid $1.25 monthly service charge (waived for first year)
- Interest earned with a minimum balance of $1.00; tiered rates
- Fully tax deductible contributions for owner
- Tax free distributions when funds are used for qualifying medical expenses
- Easy access to funds with checks or debit card
- Free Image style checks
- Funds stay with owner regardless of job or health coverage changes
- Must be over 18 years of age, not covered by Medicare, and not able to be claimed as a dependent on someone else's tax return
Standard Features
- Free Online Banking and Bill Pay
- Free Telephone Banking
- Monthly Statements
- Free check safekeeping
- Paid check return available
- Unlimited check writing
- Unique HSA Visa® Debit Card
- Combined statements
