Support Your Day-to-Day Operations With a Horizon Business Checking Account
Horizon Business Checking keeps everyday banking simple, so you can keep your business moving forward: convenient, reliable, and backed by real support whenever you need it.
Let's Explore Your Business Checking Account Options
Free Business Advantage Checking
No monthly fees or balance requirements; just everything you need to manage everyday business banking.
- 150 free combined transactions per month
- No-fee cash deposits and withdrawals up to $10,000
- Digital banking tools, including bill pay and remote deposit
Business Benefit Checking
Higher transaction limits and added flexibility to support growing businesses.
- 500 free transactions per month for everyday business needs
- No-fee cash deposits and withdrawals up to $10,000 monthly
- Tools for small businesses including bill pay, check images, and a debit card
Business Analyzed Checking
A flexible, high-volume business checking account with earnings credits that can help offset monthly service charges.
- Earnings credits based on collected balances to reduce or offset fees
- No minimum balance requirement and low per-item fees
- Business tools including bill pay, check images, and a debit card
| Free Business Advantage Checking1 | Business Benefit Checking2 | Business Analyzed Checking3 | Organization Checking (Not-for-Profit)4 | Public Funds Checking5 | |
|---|---|---|---|---|---|
| Minimum Opening Deposit | $0 | $0 | $0 | $0 | $0 |
| Monthly Service Charge | $0 | $25 ($0 if average ledger balance is above $20,000) | $16 (Net service charge determined based on average collected balance, less a 10% reserve requirement)3 | $0 | $0 |
| Online and Mobile Banking 24/7 Access | |||||
| FDIC-Insured |
Everything You Need to Keep Your Business Moving Forward
Access Cash When You Need It
Get cash at thousands of fee-free MoneyPass ATMs. Just look for the MoneyPass logo.
Get a Business Debit Card Fast
Get your Instant Issue Debit Card in minutes so you can make purchases and manage expenses.
Bank on Your Schedule
Download our mobile app to manage your accounts and even deposit checks from anywhere at any time.
Move Money Easily
Pay vendors, transfer funds, and manage cash flow with tools like online bill pay and digital transfers.
Stay on Top of Your Finances
Track activity, manage balances, and monitor your business finances with account alerts.
Bank Securely
Protect your business with advanced security tools. And, trust your deposits are safe with FDIC insurance.
Not-for-Profit? We Have Accounts Built for You
Our mission is to support yours. Designed specifically for non-profits, Horizon’s Organization Checking account helps you manage your funds easily with no minimum balance, no monthly service fees for typical activity, and interest on your account. It also includes built-in tools to simplify non-profit banking, so you can stay on top of your organization’s finances.
Business Checking Account FAQs
-
How do I choose the right business checking account?
The right account depends on several factors, like how your business operates, how many transactions you process, your average balance, the tools you need for everyday banking, and your long-term goals. The best way to find the right account for your business is to speak to a Horizon advisor who can walk you through a business checking account comparison.
-
Can I open a business checking account online?
Yes, many of our business checking accounts can be opened online, but you may need to provide additional information depending on your business. Horizon also offers support from local bankers to help you open your account easily and confidently.
-
What do I need to open a business checking account?
You’ll typically need to provide basic information about your business, such as formation documents, your EIN or Social Security number, and identification for account owners or authorized signers. Requirements vary based on your business structure.
-
What benefits are included with Horizon business checking?
Our business banking accounts include tools for managing your finances, such as online and mobile banking, bill pay, debit cards, account alerts, and 24/7 access to your funds. Many accounts have extra features customized to your business, like transaction allowance and cash handling options.
Ready to Get Started?
Let’s get your business banking up and running. Apply for your new business checking account in just a few steps.
Log In to Your Business Account
Manage transactions, review activity, and handle your business finances all in one secure, convenient place.
See What Else We Can Do for Your Business
Business Credit Cards
Explore options that give you more flexibility, control, and great perks.
Disclosures
-
1. Business Advantage Checking
First 150 items (checks, deposits, deposited items, electronic items excluding ATM and Point-of-Sale transactions) free, $0.50 per item thereafter. Cash deposits and withdrawals up to $10,000 per month are free. Once this monthly total is reached, a fee of $0.13 per $100 deposited/withdrawn is assessed. 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.
-
2. Business Benefit Checking
500 transaction items (checks, deposits, deposited items, electronic items excluding ATM and Point-of-Sale transactions) per month are free. If you exceed 500 transactions per month, each new transaction will come with a charge of $0.75. Bill Pay is available for a monthly fee of $15 with 10 transactions included per month and $0.75 per Bill Pay transaction over 10. Cash deposits andwithdrawals up to $10,000 per month are free. Once this monthly total is reached, a fee of $0.13 per $100 deposited/withdrawn is assessed. 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.
-
3. Business Analyzed Checking
An earnings credit based on the average collected balance, less a 10% reserve requirement, will be applied to determine the net service charge. 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. Cash deposits and withdrawals up to $10,000 per month are free. Once this monthly total is reached, a fee of $0.13 per $100 deposited/withdrawn is assessed. 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.
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: $0.05 (per $1,000.00)
Service charge for paper statement: $10.00 (waived if registered for eDelivery)
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. -
4. Organization Checking
If you exceed 400 transactions per month, each new transaction will come with a charge of $0.50. Bill Pay is available for a monthly fee of $15 with 10 transactions included per month and $0.75 per Bill Pay transaction over 10. Overdraft Privilege is subject to approval. 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. Public Funds Checking
Ten (10) free Bill Pay items per month. 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. Free Business Credit Card and Overdraft Privilege are available, subject to approval. Interest is compounded monthly and 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.