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PUBLIC SECTOR BANKING

Public Funds Premium Checking

Designed for municipalities, school districts, government agencies, tribal communities, and other public entities, Public Funds Premium Checking combines interest-earning potential, treasury management capabilities, and digital banking tools to help manage public funds efficiently and responsibly.

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Built for Public Sector Banking Needs

Public Funds Premium Checking helps municipalities, school districts, government agencies, and other public entities manage funds with confidence. Combining interest-earning opportunities, treasury management capabilities, and digital banking tools, this account is designed to support efficient cash management and responsible oversight of public resources.

Built for Public Funds Management

Earn Interest on Your Balance

Put higher daily collected balances to work with an interest-bearing checking account.

Flexible Access to Funds

Manage your organization's funds with unlimited debit and credit transactions.

Keep Banking Costs Low

Avoid a minimum balance requirement and monthly service charge while enjoying convenient digital banking tools.
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Earn Interest on Your Public Funds

Public Funds Interest Checking is designed for public entities with higher balances that want to earn competitive interest while maintaining convenient access to their funds. Enjoy these benefits: 

  • No minimum balance
  • No monthly service charge
  • Free eDelivery
  • Free Debit Mastercard®
  • Free Business Credit Card
  • 10 free basic Bill Pay items
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ONLINE & MOBILE BANKING

Convenient Business Banking

Manage accounts securely from virtually anywhere with Horizon Bank Online and Mobile Banking.
  • Online and mobile banking access
  • User permissions and access controls
  • Bill Pay functionality
  • Loan and line-of-credit management
  • eStatements and account reporting
  • Secure login with passcodes and biometrics
  • Account monitoring and transaction history

 

 

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Public Funds Banking Resources
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Positive Pay

Help protect public funds with fraud prevention tools that allow you to review and approve transactions before processing.

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ACH Payments

Simplify payroll, recurring payments, and vendor transactions with secure ACH processing solutions.

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Disclosure

1. Premium bill pay is available for enrollment. Monthly fee of $15 with 10 transactions included per month and $0.75 per bill pay transactions over 10.
2.  Subject to approval.
3. Subject to approval.

Interest is compounded monthly and be credited monthly
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.