Government Banking for Public Funds

Government Banking FAQs

• What government banking services does Horizon Bank offer?

  Horizon Bank provides government banking services for public entities including federal and state governments, counties, townships, cities, school districts, tribal communities, and similar organizations. We can help with public fund financing, treasury management tools, payment services, fraud protection, merchant processing, and card solutions, all designed to help public entities manage funds efficiently and securely.

• How can ACH origination help local governments manage payments more efficiently?

  ACH origination helps local governments collect and send payments electronically, reducing manual labor, payment processing time, returned payments, posting errors, and exposure to check fraud. It can also support recurring payments, charitable donations, payroll, tax payments, vendor payments, same-day processing, and more predictable cash flow forecasting.

• Does Horizon offer any treasury management services for public entities?

  We offer treasury management services that help public entities manage cash flow, payments, fraud prevention, liquidity, and daily financial operations. Available tools include ACH origination, online bill pay, wire transfers, merchant processing, positive pay services, and other solutions designed to improve efficiency, control, and risk management.

• What financing options are available for municipalities and school districts?

  Horizon provides tax-exempt financing options for local governments and public schools, including equipment financing, installment purchase agreements, tax anticipation notes, delinquent tax anticipation notes, and state aid notes or tax anticipation warrants.

• What fraud prevention tools are available for government accounts?

  Horizon offers a range of fraud prevention tools that help protect public funds, including account monitoring, alerts, positive pay services, and payment controls. These tools help detect suspicious activity early, prevent unauthorized activity, and give your organization visibility over how funds are managed.

• How can public entities reduce the risk of frauds and scams?

  Reducing fraud risk starts with strong internal controls and awareness. Horizon helps public entities implement best practices such as dual approval processes, secure payment methods, employee education, and ongoing monitoring. Working with a treasury specialist can help you identify potential risks and build a strategy to better protect your organization.