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.
Facebook Linkedin
News & Advice
Tools and Calculators
Resources
Personal Banking

Student Checking for Young Adults

 Whether you're headed to class or your first job, Student Checking gives you easy digital banking, no monthly service charge, and a low $251 opening deposit. 

Open Account 18+

Open Account under 18

Everything Students Need to Bank with Confidence

Student Checking is designed to make managing money simple. Whether you're opening your first bank account, receiving your paycheck via direct deposit, paying friends with Zelle®, or tracking spending from your phone, you'll have the banking tools you need to build smart financial habits from day one.

With Horizon Bank, you'll enjoy local service backed by modern digital banking, giving you the confidence to bank wherever life takes you.

Student Checking Features & Benefits

No Monthly Service Charge2

Keep more of your money with no monthly service charge while you qualify for Student Checking.

Low $25 Opening Deposit

Open your account with just $25 and start banking today.

Online & Mobile Banking

Check balances, transfer money, deposit checks, and manage your account anytime with the Horizon Bank Mobile App.

Debit Card Included

Make purchases in-store, online, and with digital wallets using your Horizon Mastercard® Debit Card.

Up to 5 free Non-Horizon ATMs3

Access cash at thousands of fee-free MoneyPass ATMs and get up to 5 free non-Horizon ATM transactions per month. 

Security & Fraud Protection

Account alerts and advanced monitoring tools help protect your money and provide peace of mind.
Horizon Bank mobile banking app with account balance and banking feature highlights
Horizon Bank Mobile App

Bank Wherever Student Life Takes You

Manage your finances between classes, at work, or while traveling home. The Horizon Bank Mobile App puts your money at your fingertips.

  • Make mobile check deposits
  • Access secure messages from Horizon Bank
  • Check balances, view transactions, and pay bills
  • Transfer money
  • Pay loans or draw on lines of credit
  • View statements and detailed account activity
  • Find nearby ATMs or Horizon locations

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

Download on the App Store

Horizon Bank App Store Horizon Bank Google Play

Open the Student Checking Account That's Right for You
STUDENT CHECKING (18+)

Open Your Student Checking Account Online

For students age 18 and older who are ready to bank independently. Enjoy convenient digital banking tools, debit card access, mobile banking, account alerts, and account features designed to fit your busy lifestyle.

Open Student Checking (18+)
STUDENT CHECKING (UNDER 18)

Start Building Smart Money Habits Early

Designed for students under age 18 opening an account with a parent or guardian. Learn responsible money management, monitor spending, and build financial confidence with guidance from a trusted adult.

Open Student Checking (Under 18)
contactlessdebitcard_feb24_1000x500-1

You Can Save More Without Even Thinking About It

When you enroll in Easy Save, you can build your savings by rounding up your Student purchases and automatically setting that extra aside. Easy Save: the name says it all. Grow your savings without changing your routine.

Enroll in Easy Save

Start Building Financial Confidence
students 500x500

Savings Account

Start building healthy savings habits alongside your checking account.

Explore Savings
Woman sitting on the floor in front of her couch, holding her smartphone in one hand and payment card in the other

Reward Credit Cards

Build credit responsibly with a Horizon credit card designed for everyday spending.

View Card Options

Student Checking FAQs

Disclosures
1. $25 minimum opening balance required.  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.  Bill payment is 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. 
2. Free eDelivery. $3 paper statement fee.
3. Fees associated with non-Horizon and non-MoneyPass ATMs will be reimbursed up to 5 transactions per statement cycle.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.