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BUSINESS CHECKING

Business Analyzed Checking

Designed for growing businesses with higher transaction volumes and evolving banking needs, Business Analyzed Checking offers earnings credits, treasury management services, and digital banking tools to help manage cash flow and operating costs. Horizon Bank advisors serve businesses across Indiana and Michigan with customized banking solutions.

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Is Business Analyzed Checking Right for Your Business?

Business Analyzed Checking is designed for organizations with higher transaction volumes, larger collected balances and more sophisticated cash management needs. If your business relies on treasury services and wants to offset banking costs through earnings credits, this account may be the right solution.

Banking Solutions Built for Growing Business

Earnings Credits1

Reduce or offset monthly service charges through earnings credits based on your average collected balance.

Treasury Management Ready

Support receivables, payables, fraud prevention, and cash flow management through integrated treasury solutions.

Digital Banking Tools

Access secure digital banking solutions that help you manage cash flow, monitor account activity, and keep your business moving.
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Everything Included with Business Analyzed Checking

Business Analyzed Checking provides the banking essentials your business needs every day, along with services designed to support higher transaction volumes and more complex banking relationships.

  • No minimum balance requirement
  • Monthly Service Charge2 
  • Business Debit Mastercard® included
  • Bill Pay available3
  • Cash deposit allowance included4
  • Free eDelivery5
  • Business Online & Mobile Banking

Connect with a Business Banker

A Complete Treasury Management Solutions

Business Analyzed Checking is just one part of an effective cash management strategy. Horizon Bank offers treasury solutions designed to improve cash flow visibility, streamline payments, manage receivables, and support growing businesses.
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Manage your Business Anytime, Anywhere

Bank with confidence using Horizon Bank's online and mobile banking tools. Deposit checks, make payments, transfer funds, monitor account activity, and manage your business finances securely—wherever business takes you.
  • Secure access to your business accounts
  • Deposit checks remotely
  • Pay bills and make payments
  • Transfer funds between accounts
  • Set up account alerts
  • Monitor balances and recent transactions
  • View statements
  • Manage your finances on the go

With Horizon Bank’s mobile-banking app, your accounts are just a tap away.

 

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Analyzed Checking FAQs

Disclosures

1. An earnings credit based on the average collected balance, less a 10% reserve requirement will be applied to determine the net service charge.
2.  Monthly service charges, including select ad hoc fees such as wire transfers, returned items, and dormant fees, are billed on the 10th business day of the month following a billing cycle.  If the 10th of the month falls on a holiday or weekend, the billing will be assessed on the prior business day.
3. Bill Pay available for enrollment by customer. Monthly fee of $15 with 10 transactions included per month and $0.75 per bill pay transaction over 10.
4.  Cash deposits & withdrawals exceeding $10,000 a month are charged $0.13 per $100 deposited/withdrawn.
Accounts with an average monthly negative collected balance will be charged a rate of Prime Plus 3% with a floor rate of 10% included in regular monthly service charges.
5. $10 paper statement fee

Additional Fees:
Monthly service charge: $16.00
Debit and Check paid: $0.16
Credit and deposited items: $0.16
Deposit $0.50
ACH Debit or Credit: $0.10
Deposit Assessment:  $0.08 (per $1,000.00)

Business Banking Resources
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Improve Collections & Cash Flow

Speed up payments, simplify deposits, and improve cash flow with treasury solutions designed to help your business collect funds more efficiently.

Explore Receivables
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Simplify Business Payments

Automate vendor payments, improve payment controls, and increase efficiency with business payment solutions designed to support your daily operations.

Explore Payables

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