Choosing the Best Checking Account for You

Looking to open a new checking account? Whether you need to change banks, or you’re just looking for a new account to better suit your payment needs, these are a few key factors you may want to consider:

1. Account Insurance
Make sure your financial institution provides insurance from either the Federal Deposit Insurance Corporation (FDIC) or National Credit Union Administration (NCUA). At Horizon Bank, accounts are insured for up to $250,000 per depositor.

2. Minimum balance requirements
If the account has a minimum balance requirement, make sure it’s an amount you can maintain, so you can avoid costly, low-balance fees.

3. Fees
Be sure you understand all other potential fees for your account — as well as any opt-in tools offered to help you avoid them.

4. ATM network
Do you frequently use cash? If so, you’ll need easy access to ATMs or bank branch locations. Make sure you have convenient options for withdrawing money, to avoid out-of-network ATM fees as much as possible. 

5. App features
Check to ensure that your account will offer plenty of convenient, app-based tools to make it easier to track and use your checking account. Watch for features like mobile check depositing, account alerts, and other features that are most important for your day-to-day needs.

Finding the Right Fit
With these features in mind, it’s important to choose a checking account that fits your lifestyle, financial goals, and everyday banking habits. Here are a few checking account options designed to meet a variety of needs:

Everyday Checking – Ideal for those who need a simple, no-fuss account for daily transactions. With Horizon’s Everyday Checking, there’s no monthly service charge, no minimum balance requirement, and access to no-fee ATMs—making it an easy way to manage your money.

Relationship Checking – Best for those who keep higher balances and want extra benefits. Our Relationship Checking allows you to bundle your account with a high-yield savings option, helping you earn more on your money while enjoying additional perks.

Student Checking – Designed for students and young adults who need flexibility and low costs. Horizon’s Student Checking has no monthly service charge and only requires a $25 opening deposit, making it a hassle-free option for managing finances while in school.

You can open a checking account online, or if you’re still unsure which one is right for you, explore our options online or visit a branch—our experienced Advisors are happy to help.

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