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Lockbox Banking Services

Streamline accounts receivable, speed up payment processing and reduce the time your team spends handling incoming payments.

Streamline Your Business Receivables

Horizon Bank Lockbox Services help businesses simplify accounts receivable by collecting, processing and depositing customer payments directly into your business checking account. Payments are processed efficiently and securely, helping reduce manual work, minimize transaction errors and provide faster access to incoming funds.

Lockbox Services can be especially beneficial for businesses that receive a high volume of checks and remittances by mail, including utility companies, government agencies, medical practices and other organizations.

The Benefits of Lockbox Banking

Person using a key to open a lockbox.

Easy Payment Research


Access easy-to-use search tools to quickly find payment transactions and check images when you need them.

Person working on a laptop at a desk, typing on a keyboard while wearing a blazer

Online Check Access


View and print check images online from anywhere, making it easier to manage and research payment activity.

Hand writing on a checkbook while resting on a laptop keyboard, with a computer mouse nearby.

Faster Payment Processing


Lockbox payments are processed the same day we collect your checks and deposited directly into your business checking account.

Two people shaking hands in a professional setting, symbolizing agreement, partnership, or collaboration.

Reduced Manual Work


Reduce manual payment processing and free your team to focus on your business.

How Does Lockbox Banking Work?

Payments Are Collected

Your customers send payments to a secure lockbox location designated for your business, where Horizon collects them each business day.

Payments Are Processed

Horizon collects and processes payments each business day, helping reduce manual processing and transaction errors.

Funds Are Deposited

Payments are deposited directly into your business checking account, helping you access funds faster and spend less time processing payments. 

Is Lockbox Banking Right for Your Business?

Lockbox Services may be a good fit if your business:

  • Receives a high volume of checks or payments by mail

  • Spends significant time processing incoming payments

  • Wants to reduce manual accounts receivable work

  • Needs faster, more efficient payment processing

  • Wants convenient online access to payment and check information

Our Treasury Management team is here to help you find the best solution for your needs.

Lockbox Banking FAQs

Ready to Simplify Your Receivables?

Talk with a Horizon Bank Treasury Management specialist about how Lockbox Services can help your business streamline payment processing and improve cash flow.

Find a SpecialistRequest a Call

Prefer to call? 833-729-0887

Explore More Receivables Solutions

Online Payment Portal

Give customers a convenient way to make payments online.

Remote Deposit Capture

Deposit checks electronically without visiting a branch.

ACH Origination

Streamline electronic payments and collections while managing your business’s cash flow.

Business advisors meeting in an office.