Protect yourself from fraud: We will never ask for your password, PIN, or one-time passcode. If something seems suspicious, contact Horizon Bank directly.
Skip to the main content.
News & Advice
Tools and Calculators

H1 - Heading

H2 - Heading

H3 - Heading

H4 - Heading

H5 - Heading

 

Eyebrow Text

Paragraph Text —  Lorem ipsum dolor sit amet, consectetur adipiscing elit. Phasellus lacinia condimentum ligula, pharetra mollis orci aliquet eget. Donec semper laoreet libero, a eleifend est sodales vitae. Maecenas viverra, magna ut varius tristique, mi orci dapibus lacus, in cursus felis velit sed dolor. Sed elementum metus eget dapibus pulvinar. Morbi sed placerat est. Quisque turpis velit, efficitur nec gravida ut, suscipit a quam. Aliquam fermentum porttitor justo, quis pulvinar dui fringilla sed.

Text link

Landing Hero Banner

Personal Banking

Your Future in Focus

Lorem ipsum dolor sit amet consectetur. Neque laoreet id erat mauris enim a ultrices purus sociis. Malesuada aenean amet tempus suspendisse aenean id.

Interior Banner

Personal Banking

Personal Checking Accounts

Lorem ipsum dolor sit amet consectetur. Neque laoreet id erat mauris enim a ultrices purus sociis. Malesuada aenean amet tempus suspendisse aenean id.

Text with Dividers

Bank With Confidence

Secure Banking at Every Step

Account and identity protection, enhanced security, and 24/7 monitoring

FDIC Insured for Peace of Mind

Deposits federally insured to at least $250,000 per depositor, per category

Local Presence You Can Count On

More than 70 branches across Indiana and Michigan

Image Cards

Explore Our Latest Offers

horizionbank-fpo--3-2

4% Cash Back

PersonalHomepage_SmilingCouplePayingBills-compressed

Get 10% Off TurboTax

PersonalHomepage_ManCheckingFinancialsSmartphone-compressed

3.75% APY 5-Month CD

Breadcrumbs

Horizontal Image Card

WealthMgmt_Homepage-Icon-Background-Component-Image-compressed

Fresh Start Checking

Fresh Start Checking is perfect for you if you’re looking to leave past checking account problems in the dust. A new start with a Fresh Start Checking Account means you have overdraft forgiveness and a minimal monthly service charge. It’s everything you’ll need to get back on track with everyday banking, along with a complementary savings account at no added charge.

Text and Image (Full / Green) 

Horizon Bank mobile banking app with account balance and banking feature highlights
Horizon Bank Mobile banking App

More Ways to Bank

Simple banking on the go
  • Free. secure service for customers
  • Make payments
  • Deposit checks
  • Set up and manage alerts
  • Pay bills
  • Transfer money
  • Check balances and recent transactions
  • View statements
  • Find nearby ATMS and branch locations

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

 

Horizon Bank App Store Horizon Bank Google Play

Text and Image (Left)

PersonalHomepage_SmilingCouplePayingBills-compressed

what you get with horizon financial planning

Let Us Help You Reach Your Goals

Horizon’s Wealth Advisors understand that it can be difficult to keep track of all your sources of revenue and manage your money effectively to meet your financial goals.

To make wealth creation a smoother process, we will assist you in developing a custom financial plan that includes:

  • Free planning sessions with our expert advisors

  • Analysis of your entire financial picture

  • Exploration of retirement planning opportunities

  • Discussion about how to protect your assets for the future

  • Development of a values-based, multi-generational financial plan

Text and Image (Right)

what you get with horizon financial planning

Let Us Help You Reach Your Goals

Horizon’s Wealth Advisors understand that it can be difficult to keep track of all your sources of revenue and manage your money effectively to meet your financial goals.

To make wealth creation a smoother process, we will assist you in developing a custom financial plan that includes:

  • Free planning sessions with our expert advisors

  • Analysis of your entire financial picture

  • Exploration of retirement planning opportunities

  • Discussion about how to protect your assets for the future

  • Development of a values-based, multi-generational financial plan

PersonalHomepage_SmilingCouplePayingBills-compressed

Text and Video (Left)

what you get with horizon financial planning

Let Us Help You Reach Your Goals

Horizon’s Wealth Advisors understand that it can be difficult to keep track of all your sources of revenue and manage your money effectively to meet your financial goals.

To make wealth creation a smoother process, we will assist you in developing a custom financial plan that includes:

  • Free planning sessions with our expert advisors

  • Analysis of your entire financial picture

  • Exploration of retirement planning opportunities

  • Discussion about how to protect your assets for the future

  • Development of a values-based, multi-generational financial plan

Text and Video (Right)

what you get with horizon financial planning

Let Us Help You Reach Your Goals

Horizon’s Wealth Advisors understand that it can be difficult to keep track of all your sources of revenue and manage your money effectively to meet your financial goals.

To make wealth creation a smoother process, we will assist you in developing a custom financial plan that includes:

  • Free planning sessions with our expert advisors

  • Analysis of your entire financial picture

  • Exploration of retirement planning opportunities

  • Discussion about how to protect your assets for the future

  • Development of a values-based, multi-generational financial plan

Video

Testimonial & Award

Real Stories, Real Results
Master cleanse banh mi blog kinfolk, pitchfork try-hard mustache paleo. Tumblr church-key vice brooklyn whatever chia. Single-origin coffee echo park 3 wolf moon salvia humblebrag distillery palo santo.
John Smith
Hubspot
Master cleanse banh mi blog kinfolk, pitchfork try-hard mustache paleo. Tumblr church-key vice brooklyn whatever chia. Single-origin coffee echo park 3 wolf moon salvia humblebrag distillery palo santo.
John Smith
Hubspot
Awards & Accolades

How Horizon Bank’s 2025 Beyond Ordinary Leadership Awards Recognize Exceptional Professionalism, Mentorship, and Commercial Banking Expertise

Solo Award

Awards & Accolades

How Horizon Bank’s 2025 Beyond Ordinary Leadership Awards Recognize Exceptional Professionalism, Mentorship, and Commercial Banking Expertise

 

Solo Testimonial

Real Stories, Real Results
Master cleanse banh mi blog kinfolk, pitchfork try-hard mustache paleo. Tumblr church-key vice brooklyn whatever chia. Single-origin coffee echo park 3 wolf moon salvia humblebrag distillery palo santo.
John Smith
Hubspot
Master cleanse banh mi blog kinfolk, pitchfork try-hard mustache paleo. Tumblr church-key vice brooklyn whatever chia. Single-origin coffee echo park 3 wolf moon salvia humblebrag distillery palo santo.
John Smith
Hubspot

Insights

Student Account

Family Banking With
Student Accounts

Lorem ipsum dolor sit amet consectetur. Neque laoreet id erat mauris enim a ultrices purus sociis. Malesuada aenean amet tempus suspendisse aenean id.

Banking Tips and Insights
1 min read

Fast and Secure Checkout Built for Prime Days

We’ve all been there, typing in card numbers, expiration dates, and billing information just to complete a simple...
1 min read

24/7 Debit Card Monitoring with Instant Text Alerts

Protecting your online banking account is more important than ever. To stay secure, it’s essential to keep your browser...

Header and Text

Why Personal Checking Accounts Rank the Best at Horizon

Lorem ipsum dolor sit amet consectetur. Aliquam ornare volutpat dolor pellentesque eu. Egestas eu leo scelerisque donec ultricies enim fringilla. Lectus viverra tortor libero tristique donec in facilisi pellentesque. Nisl fames viverra et ac sapien est pulvinar enim. Feugiat dignissim pulvinar ac aliquam orci congue aliquet sit eu.Cursus enim metus odio nisl elementum malesuada phasellus fames.

Color Text Blocks

Get Started

Check Rates

Lorem ipsum dolor sit amet consectetur.

Apply for a Home Loan

Lorem ipsum dolor sit amet consectetur. 

Access Your Mortgage Account

Lorem ipsum dolor sit amet consectetur.

Find a Home Loan Advisor

Lorem ipsum dolor sit amet consectetur. 

Two Color Text Blocks

Get Started

Checking Account

Check Rates

Lorem ipsum dolor sit amet consectetur. Lobortis sed tincidunt ut consectetur. In vel leo sit convallis sagittis justo et posuere. Lorem ipsum dolor sit amet consectetur. Lobortis sed tincidunt ut consectetur. In vel leo sit convallis sagittis justo et posuere.

Personal Checking Account

Apply for a Home Loan

Lorem ipsum dolor sit amet consectetur. Lobortis sed tincidunt ut consectetur. In vel leo sit convallis sagittis justo et posuere.

Icon Cards with Background

Horizon Accounts,
Cards, and Loans

money-bill-transfer

Checking Accounts

credit-card

Credit Cards

Text Cards

Find Us

Lorem ipsum dolor sit amet consectetur. Lobortis sed tincidunt ut consectetur. In vel leo sit convallis sagittis justo et posuere. Aliquet lectus sagittis pretium erat. Sit.

The Local Advantage

Lorem ipsum dolor sit amet consectetur. Lobortis sed tincidunt ut consectetur. In vel leo sit convallis sagittis justo et posuere. 

Icon Cards

What You Get with Horizon Home Loans

Lorem ipsum dolor sit amet

Lorem ipsum dolor sit amet consectetur. Aliquam sem ornare ac velit. Iaculis vulputate augue nibh egestas nullam ultrices vitae in.

Lorem ipsum dolor sit amet

Lorem ipsum dolor sit amet consectetur. Aliquam sem ornare ac velit. Iaculis vulputate augue nibh egestas nullam ultrices vitae in.

Lorem ipsum dolor sit amet

Lorem ipsum dolor sit amet consectetur. Aliquam sem ornare ac velit. Iaculis vulputate augue nibh egestas nullam ultrices vitae in.

Lorem ipsum dolor sit amet

Lorem ipsum dolor sit amet consectetur. Aliquam sem ornare ac velit. Iaculis vulputate augue nibh egestas nullam ultrices vitae in.

Lorem ipsum dolor sit amet

Lorem ipsum dolor sit amet consectetur. Aliquam sem ornare ac velit. Iaculis vulputate augue nibh egestas nullam ultrices vitae in.

Lorem ipsum dolor sit amet

Lorem ipsum dolor sit amet consectetur. Aliquam sem ornare ac velit. Iaculis vulputate augue nibh egestas nullam ultrices vitae in.

Lorem ipsum dolor sit amet

Lorem ipsum dolor sit amet consectetur. Aliquam sem ornare ac velit. Iaculis vulputate augue nibh egestas nullam ultrices vitae in.

Lorem ipsum dolor sit amet

Lorem ipsum dolor sit amet consectetur. Aliquam sem ornare ac velit. Iaculis vulputate augue nibh egestas nullam ultrices vitae in.

Product Cards

Choose the Right Checking Account for You

getty-26a73523df8d0d9ea608f71dedd041cb69bf3b56

Everyday Checking

Our most popular choice for 
day-to-day checking

  • No Monthly service charge
  • Loaded with extras to simplify your everyday banking
  • A complementary Everyday Savings account is included at no charge to reach your savings goals
getty-26a73523df8d0d9ea608f71dedd041cb69bf3b56

Relationship Checking

Links your checking and savings for 
premium savings rates

  • Eliminate monthly service charges with combined savings balances
  • Receive a complementary Relationship Savings with premium interest rates
  • Enjoy higher-yield CD rates and discounts on loans
getty-26a73523df8d0d9ea608f71dedd041cb69bf3b56

Student Checking

Benefits designed for students 
under 25

  • No monthly service charge
  • Secure mobile banking with text alerts to help manage your money
  • Pay friends and receive money from family easily with Zelle®

Choose the Right Checking Account for You

getty-26a73523df8d0d9ea608f71dedd041cb69bf3b56

Everyday Checking

Our most popular choice for 
day-to-day checking

  • No Monthly service charge
  • Loaded with extras to simplify your everyday banking
  • A complementary Everyday Savings account is included at no charge to reach your savings goals
getty-26a73523df8d0d9ea608f71dedd041cb69bf3b56

Relationship Checking

Links your checking and savings for 
premium savings rates

  • Eliminate monthly service charges with combined savings balances
  • Receive a complementary Relationship Savings with premium interest rates
  • Enjoy higher-yield CD rates and discounts on loans
getty-26a73523df8d0d9ea608f71dedd041cb69bf3b56

Student Checking

Benefits designed for students 
under 25

  • No monthly service charge
  • Secure mobile banking with text alerts to help manage your money
  • Pay friends and receive money from family easily with Zelle®

Product Cards No Images

Choose the Right Checking Account for You

Everyday Checking

Our most popular choice for 
day-to-day checking

  • No Monthly service charge
  • Loaded with extras to simplify your everyday banking
  • A complementary Everyday Savings account is included at no charge to reach your savings goals

Relationship Checking

Links your checking and savings for 
premium savings rates

  • Eliminate monthly service charges with combined savings balances
  • Receive a complementary Relationship Savings with premium interest rates
  • Enjoy higher-yield CD rates and discounts on loans

Student Checking

Benefits designed for students 
under 25

  • No monthly service charge
  • Secure mobile banking with text alerts to help manage your money
  • Pay friends and receive money from family easily with Zelle®

Everyday Checking

Our most popular choice for 
day-to-day checking

  • No Monthly service charge
  • Loaded with extras to simplify your everyday banking
  • A complementary Everyday Savings account is included at no charge to reach your savings goals

Finding the best loan that fits your needs starts with knowing how much you can afford

Multi-Column Header and Image Cards


Take Your Banking Further

getty-26a73523df8d0d9ea608f71dedd041cb69bf3b56

Debit Card With Fraud Protection

Lorem ipsum dolor sit amet consectetur. 

getty-26a73523df8d0d9ea608f71dedd041cb69bf3b56

Everyday Rewards Credit Card

Lorem ipsum dolor sit amet consectetur. 

Table with Button

  Everyday Checking Relationship Checking Student Checking
Minimum opening deposit $0 $15 $15
Monthly fees and ways to waive $0 $10, or $0 with combined account balance of $10,000 or more $0
Overdraft options

Online and Mobile Banking 24/7 access


FDIC-insured


Table

  Everyday Checking Relationship Checking Student Checking
Minimum opening deposit $0 $15 $15
Monthly fees and ways to waive $0 $10, or $0 with combined account balance of $10,000 or more $0
Overdraft options

Online and Mobile Banking 24/7 access


FDIC-insured


Stats

70+

Locations in Indiana and Michigan

850+

Trusted Advisors

1300+

Customers have benefited from  our award-winning Fresh Start account

99+

Lorem ipsum dolor sit amet, consectetur adipiscing elit

Accordion

Section Headline

Leadership

Horizon Bank
Leadership


Our leadership team has more than 100 years of combined experience at Horizon.It’s that kind of stability at the helm that allows us to continually evaluate the best new courses of action without losing sight of who we truly are.

Thomas Prame

Thomas Prame

Chief Executive Officer

John R. Stewart CFA

John R. Stewart, CFA

Executive Vice President, Chief Financial Officer

DeRuiter_Kathie 1

Kathie DeRuiter

Executive Vice President, 
Senior operations officer

Etzler_Todd 1

Thomas Prame

Chief Executive Officer

Kerber_Lynn 1

John R. Stewart, CFA

Executive Vice President, Chief Financial Officer

Advice Cards

Multicolumn Header and Icon Cards (Green)

Lending Calculators

credit-cards-icon

Credit Cards

Lending Calculators

Credit Cards

Multicolumn Header and Icon Cards (Off-White)

Lending Calculators

credit-cards-icon

Credit Cards

Team Cards

Lending Calculators

Credit Cards

Category:
Location:
Rob Avery Regional President - Central Indiana

Rob Avery

Regional President - Central Indiana

RAvery@horizonbank.com

Joel Mikolich President, Equipment Finance Division

Joel Mikolich

President, Equipment Finance Division

JMikolich@horizonbank.com

Richardo Arámbula Community Lender

Ricardo Arámbula

Community Lender

Lake County, IN

NMLS# 444263

View Profile

RArambula@horizonbank.com

amanda-anderson

Amanda Anderson

VP, Sr. Treasury Management Officer

Troy, MI - Crooks Rd

AAnderson@horizonbank.com

Image and Form

Untitled-design---2023-10-30T073154.205-(1)

Form

Image Grid

Our Community Impact and Support

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Proin interdum neque leo, at tincidunt justo suscipit vitae. Sed diam tortor, euismod porttitor interdum sit amet, auctor nec risus. Praesent lacinia.

Text

Equal Employment Opportunity has been, and will continue to be, a fundamental principle at Horizon, where employment is based upon personal capabilities and qualifications without discrimination because of race, color, religion, gender, age, national origin, ancestry, disability status, protected veteran status, genetic history, pregnancy, or any other protected characteristic as established by law. To view Horizon Bank's full Equal Employment Opportunity Policy, please click here. If you require assistance in the application process due to disability, please contact Human Resources at 219-874-9326 or humanresources@horizonbank.com so resource assistance can be provided.