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personal savings

Save for What Matters Most

Whether you're building an emergency fund, planning a vacation, or saving for a future milestone, Horizon Bank offers savings accounts designed to help you reach your goals with confidence.

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Start Saving with Confidence

Whether you're just beginning your savings journey or working toward a long-term financial goal, a Horizon Personal Savings Account provides a safe, convenient place to grow your money while keeping it accessible when you need it.

Why Choose a Personal Savings Account?

Save for Your Goals

Whether you're saving for tomorrow or years down the road, every deposit brings you closer to your financial goals.

Save Automatically

Build your savings over time by setting up recurring transfers or enrolling in Easy Save®.

Bank Anywhere

Access your account, transfer funds, and manage your savings anytime with Online and Mobile Banking.

FDIC Insured

Eligible deposits are FDIC insured up to applicable limits, giving you added peace of mind.
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Everything You Need to Start Saving

Account Details:

  • Low $25 minimum opening deposit1 

  • Free eDelivery

  • Free for customers 182

  • Up to 6 withdrawals per month with no fee3

  • FDIC Insured

  • Transaction limits apply4

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savings goals

What Are You Saving For?

No matter what you're planning for, a Horizon Personal Savings Account helps you build toward your next financial milestone—one deposit at a time.

  • Home Improvements - Save for renovations, repairs, or projects around the house.

  • Vacation & Travel - Plan ahead for memorable trips and family vacations.

  • Education & Life Milestones - Save for education, weddings, growing your family, or other important milestones.

  • Emergency Fund - Prepare for the unexpected with savings you can access when you need them. 
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Manage Your Savings Anytime

  • View balances and transaction history
  • Transfer money between accounts
  • Deposit checks with Mobile Deposit
  • Set up account alerts
  • Bank securely anytime, anywhere
  • Find nearby ATMS and branch locations

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

 

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Personal Savings FAQs

Grow Your Savings Strategy

Explore additional savings solutions designed to help you reach your financial goals.
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Money Market Account

Earn competitive interest while maintaining access to your funds.

View Special Rates
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Certificates of Deposit (CDs)

Lock in a fixed rate and grow your savings with predictable returns.

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Need More Help?

Whether you're opening your first savings account or planning for a future financial goal, we're here to help.

Contact Us

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Banking with Confidence Starts Here

For more than 150 years, Horizon Bank has helped individuals and families build stronger financial futures through personalized service, trusted advice, and banking solutions designed to meet every stage of life.

Learn More About Us

Disclosures

1. $25 minimum to open. Funds from the initial deposit to your account will be available on the fifth business day after the day of your deposit.  $3 monthly service charge if the minimum monthly balance falls below $200 at any time during the month or enroll in Easy Save.
2. Free to those under 18. 
Students 14-17 years old at account opening will need to have their parent/guardian as a co-owner.
3. Transfers are limited to six per month. Transfers from a savings account to another account by preauthorized withdrawals, automatic debit, internet, or telephone transfers or by check, draft, debit card, or similar order to a third party are limited to six per month. An excess activity fee of $2.50 will be charged for each "over the counter" or ATM withdrawals over six during a calendar month.