From free checking to higher deposit accounts with extra perks we've got the checking account for you. All Horizon checking accounts come complete with free access to our suite of online products including Home Banking, E-statements and Bill Payer. See below to find the perfect fit for you!

Account Features

Explore Youth Checking



Minimum Opening Balance $10 $100 $100
Monthly Service Charge None None None*
Interest Bearing No No Yes***
Per Check Charge None None None
Visa Debit Card Free Free Free
Overdraft Transfers $3 per occurrence $3 per occurrence $3 per occurrence
Online Banking Free Free Free
Online Bill Payer Not Available Free Free
Horizon & Co-op ATM Use Free Free Free
Teller Transaction Fee No No No
Free Box of Checks No No 2 Boxes annually†
      * $6 fee if balance falls below $500.
  *** Earns interest when average daily balance remains above $1,000 for the month.
      † For members 55+ with direct deposit of net pay or with $1,000 or more on deposit.



Whether you're just starting to save or you're well underway Horizon offers a variety of savings options to help you reach your goals. See below to view the savings accounts available to you.


Savings Calculator

Account Features

Value Shares

Explorer Shares

Overdraft Shares

Minimum Opening Balance $5.00 $5.00 $5.00
Minimum Balance Required to Earn Dividends $250.00 $5.00 $500.00
Fees None None None
Age Requirements 18 and older 0-18 18 and older, or 16 when jointly opened with a parent
Bonus Rate Offered No No No
Transaction Limitations None None Must keep $5.00 minimum balance
Health Savings Accounts - Control and flexibility that's what you get with an HSA.
  • Protection from unexpected or high medical bills
  • Affordable low premiums
  • Flexible contributions; contribute whenever you want!
  • Never lose money, account balances roll over year to year
  • Deduct contributions on your taxes
  • Account ownership; it goes where you go regardless of any job changes



Horizon Credit Union

Home Banking Enrollment

Enrolling in Home Banking is easy - here's how:

  • In the Username box, enter your user name.
  • If you don't remember your password, you can call our contact center at 800-852-5316 and they will provide you with a new one.

If you have any questions or problems logging in, please call 800.852.5316.


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