We Go Above and Beyond For You

At Horizon Bank, you’re more than your financial statement. Since 1873, we’ve focused on building a strong relationship first, getting to know you so we can give you the right advice when you need it most. We’ve planted deep roots in Michigan and Indiana, with Advisors that live and work in our communities. That’s how Horizon goes beyond the ordinary way of doing business to help you achieve your financial goals.

Get to know us

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    Beyond Basic Checking

    With Everyday Checking, you get an easy-to-use bank account with great  benefits like free ATMs, online banking, and no service charges. Or try Relationship Checking, and bundle your versatile checking account with a high-yield savings
    account that helps you grow your money. Both accounts come with exceptional support from our Horizon bank team.
    Start today
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    Build Beyond Today

    Savings and Money Market accounts offer simple solutions for building toward your goals. Find competitive interest rates without high fees and the tools you need to grow at the right pace for you. And for even more earning potential, explore powerful Certificates of Deposit.
    Start saving now CD options

Speak With Us To Find Out More

Choose how you like to communicate, from phone to email to online chat to in-person conversation.

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    Speak to an advisor.
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    Chat online with our support team Monday - Friday 8 am to 5 pm CST.  Live chat is available for questions 24/7/365.

Money Management Tips and Advice

Building Financial Awareness: Empowering Yourself for a Better Tomorrow

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In a world where money plays an essential role in our daily lives, financial awareness is a crucial skill that everyone should cultivate. Understanding financial concepts and making informed decisions can significantly impact our present and secure a better future. Lacking this essential knowledge can lead to financial stress and debt.

The Significance of Financial Awareness

Financial awareness is the foundation of financial well-being. It involves understanding various financial concepts, such as budgeting, saving, investing, and managing debt. By being financially aware, individuals can take control of their money, reduce financial stress, and work towards achieving their goals.

Tips for Building Financial Awareness

  1. Create a Budget: Start by tracking your income and expenses. Categorize your spending to identify areas where you can cut back. A budget helps you live within your means, save more, and plan for future expenses.
  2. Set Financial Goals: Define short-term and long-term financial goals. Whether it's buying a house, paying off debt, or saving for retirement, having clear objectives provides direction and motivation.
  3. Establish an Emergency Fund: Unexpected expenses can arise at any time. Building an emergency fund equal to three to six months' worth of living expenses acts as a safety net during tough times.
  4. Manage Debt Wisely: Understand the impact of debt on your financial health. Prioritize high-interest debts and work on paying them off systematically.
  5. Invest Wisely: Learn about different investment options and choose those that align with your risk tolerance and financial goals. Investing early can harness the power of compounding and grow your wealth significantly.
  6. Review Financial Decisions Regularly: Life changes, and so should your financial plan. Regularly review your budget, investments, and financial goals to stay on track.

If you feel overwhelmed or unsure about your financial situation, don't hesitate to seek advice from a certified financial planner or advisor. Contact a Horizon Bank advisor today to get personalized guidance based on your unique circumstances. Take the first step towards financial awareness today, and the benefits can last a lifetime. 

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