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.
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.
Welcome Back
Manage other accounts
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.
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
Explore Our Latest Offers
- Parent
- Components
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.
More Ways to Bank
- 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.
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
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
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
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
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.
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.
How Horizon Bank’s 2025 Beyond Ordinary Leadership Awards Recognize Exceptional Professionalism, Mentorship, and Commercial Banking Expertise
How Horizon Bank’s 2025 Beyond Ordinary Leadership Awards Recognize Exceptional Professionalism, Mentorship, and Commercial Banking Expertise
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.
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.
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.
1 min read
24/7 Debit Card Monitoring with Instant Text Alerts
Jun 15, 2026
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.
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.
Get Started
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.
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.
Horizon Accounts,
Cards, and Loans
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.
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.
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®
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®
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
Take Your Banking Further
| 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 |
| 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 |
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
Section Headline
-
Lorem ipsum dolor sit amet?
Ut sed cras donec adipiscing magna urna sit vivamus augue ut hac mi nibh dui pulvinar a taciti nunc ad duis aliquam suspendisse.
-
Lorem ipsum dolor sit amet?
Lorem ipsum dolor sit amet
-
Lorem ipsum dolor sit amet?
Lorem ipsum dolor sit amet
-
Lorem ipsum dolor sit amet?
Lorem ipsum dolor sit amet
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
Chief Executive Officer
John R. Stewart, CFA
Executive Vice President, Chief Financial Officer
Kathie DeRuiter
Executive Vice President,
Senior operations officer
Thomas Prame
Chief Executive Officer
John R. Stewart, CFA
Executive Vice President, Chief Financial Officer
Lending Calculators
Lending Calculators
Lending Calculators
Lending Calculators
Ricardo Arámbula
Community Lender
Lake County, IN
NMLS# 444263
No results
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.
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.
