Checking Accounts That Keep Everyday Banking Simple
Manage your money, make payments, and stay on top of your finances with accounts that make today better and help you build for tomorrow.
Let’s Find the Right Checking Account for You
Everyday Checking
It’s all in the name: our most popular choice for day-to-day checking.
- No monthly service charge
- Loaded with extras features
- Includes an Everyday Savings account at no charge
Relationship Checking
Get premium rates with no monthly fees when you link your checking and savings accounts.
- Eliminate monthly service charges with combined savings balances
- Earn premium interest rates with an included Relationship Savings account at no charge
- Enjoy higher-yield CD rates and discounts on loans
Student Checking
Convenient checking plus great benefits for students and young adults under 25.
- No monthly charge and up to five free visits to non-Horizon ATMs per month
- Secure mobile banking, text alerts, and Zelle® transfers
- An Everyday Savings account is included at no charge
| Everyday Checking1 | Relationship Checking2 | Student Checking3 | |
|---|---|---|---|
| Minimum Opening Deposit | $25 | $25 | $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 | |||
| FDIC-Insured |
Checking With Horizon Means More Control, More Access, and More Peace of Mind
Access Cash Fee-Free
Get your cash at thousands of fee-free MoneyPass ATMs. Just look for the MoneyPass logo.
Bank From Anywhere
Download our mobile app to manage your finances and even deposit checks from anywhere.
Move Money Easily
Easily transfer money and pay bills with online and mobile banking, or use Zelle® to send money to friends and family within the Horizon mobile app.
Monitor Your Credit
CreditAdvisor allows you to monitor your credit score and get alerted to changes.
Bank Securely
Get account alerts via text and email with online banking. And, trust your deposits are safe with FDIC insurance.
We Believe Everyone Deserves a Fresh Start
Looking for an account to help you get back on track? Fresh Start Checking has a $25 minimum opening balance, a minimal monthly service charge, and overdraft forgiveness, not to mention an Everyday Savings account at no extra charge.4 It’s everything you need to start moving forward.
Why Customers Choose Horizon for Everyday Banking
Any bank can offer checking accounts for every stage of life. But, besides great rates, low-to-no monthly fees, and plenty of perks, we offer something other banks don’t: trust. With Horizon, you get convenient tools for day-to-day banking plus local support from a bank that’s been serving communities across Indiana and Michigan since 1873.
Horizon Bank Checking Account FAQs
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How do I enroll in Online Banking?
It only takes a few minutes. Go to our Online Banking page then follow the prompts to verify your information and create your secure login. Once enrolled, you can manage your accounts, view transactions, pay bills, and more — any time, anywhere.
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Should I sign up for account alerts? How do I do it?
Yes, text alerts are a great way to stay on top of your account without constantly checking it. You can get notifications for things like low balances, large purchases, deposits, and more.
To sign up: Log in to Online Banking or the Horizon Mobile app, go to Alerts, choose the alerts you want, and add or confirm your mobile number. Once you save your preferences, you’ll start getting alerts. -
Can I open a checking account online?
Yes. Many Horizon Checking accounts can be opened online. It’s easy, a few clicks and your new account will be up and running. But if you’d like to open an account in person or have questions about which account is best for you, you can visit your nearest branch or contact us for help.
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What fees come with a checking account?
It depends on the account you choose. Some accounts are designed to keep costs low and others include added benefits that may have a monthly service charge. The best way to confirm fees (and ways they may be waived) is to compare our accounts on this page or contact us to help find the best account for you.
Ready to Get Started?
Apply for a Horizon Checking Account Online
Apply for Everyday Checking, Relationship Checking, or Student Checking online in minutes. And if you have questions along the way our team is just a call away.
Take Your Banking on the Go
Create your Online Banking login and manage your money on your time, on desktop or through the Horizon mobile app.
Grow Even More With Horizon
3.75% APY Money Market Account5
Save even more with this higher-yield liquid savings option.
Disclosures
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1. Everyday Checking
$25 minimum opening balance required. No monthly minimum balance is required. Free eDelivery. $3 paper statement fee. ATM/Debit Card Daily Limits: Point-of-Sale daily limit $5,000.00, ATM daily limit $700.00. Overdraft Privilege available. Subject to approval. A linked Everyday Savings account may be included at no cost.
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2. Relationship Checking
Funds from the initial deposit to your account will be available on the fifth business day after the day of your deposit. Free eStatements or $3 paper statement fee. $25 minimum opening balance required. For new customers, only residents of Indiana and Michigan are eligible to open or be added to accounts online. Overdraft Privilege available. Subject to Approval. Once the Relationship Checking account is opened, a complementary Relationship Savings Account is available at no cost to the account owner. If the account owner elects to close the Relationship Checking account, the Relationship Savings account will be changed to the Personal Savings account product. $10 monthly service charge, waived if combined average book balances are $10,000 or more in Relationship Checking and Relationship Savings.
Relationship Savings is a complementary savings account that requires the same ownership of both the savings account and the bundled Relationship Checking account. While the Relationship Checking account does not pay interest, the interest on the Relationship Savings account compounds daily and pays monthly. This is a variable rate account and the APY may change without notice, including after account opening. The required minimum opening deposit is $25. Fees may reduce earnings. -
3. Student Checking
The minimum age to open an account is 14 years old. After the student's 25th birthday, this account will convert to an Everyday Checking account. Students 14 – 17 years old at account opening will need to have their parent/guardian as a co-owner. $25 minimum opening balance required. $3 paper statement fee. Bill payment and Zelle® are available to students 18 years or older. For new customers, only residents of Indiana and Michigan are eligible to open or be added to accounts online. Ages 14 – 17 (Point-of-Sale daily limit $500, ATM daily limit $200). Ages 18 and older (Point-of-Sale daily limit $5,000, ATM daily limit $700). Fees associated with non-Horizon and non-MoneyPass ATMs will be reimbursed up to 5 transactions per statement cycle.
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4. Fresh Start Checking
$25 minimum opening balance. $5 monthly service charge. Free eDelivery statements or a $2 paper statement charge. Debit Card transaction daily limit is $500; ATM daily limit is $200.
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5. Annual Percentage Yield (APY)
Annual Percentage Yield (APY) is accurate as of August 13, 2026. $99,999.01 minimum balance required to receive the 3.75% APY. The Money Market APY will be paid on the entire balance in our account. Interest is earned on balances greater than $0.00 and must be opened with money not currently on deposit at Horizon Bank. $0-$4,999 - earn 1.50% APY. $4,999.01 - $49,999 -earn 3.00% APY. $49,999.01 - $99,999 - earn 3.50% APY. $99,999.01 or greater - earn 3.75% APY. Fees may reduce the earnings on the account. $25 minimum balance required to open account. Personal accounts only, no public, business, or brokered funds for this offer. Limited time offer. Rates are subject to change without notice.