What is an overdraft? An overdraft occurs when you do not have enough money in your account to cover a transaction. In the event that this happens, your transaction may be denied or returned. However, here at Horizon we believe every member deserves some consideration rather than automatically returning insufficient funds. This is why we offer members Overdraft Privilege and other overdraft protection plans.

Overdraft Privilege (our standard overdraft protection)
In the event that an overdraft occurs on your account Horizon will consider, without obligation on our part, payment of your insufficient funds up to the assigned Overdraft Privilege limit. Overdraft Privilege is a cost effective solution for those who occasionally make a mistake when balancing their account and go below a zero balance. Overdraft Privilege can save you the embarrassment and inconvenience of returned checks and late payment fees.
Here is how Overdraft Privilege works:

We will automatically authorize and pay overdraft items for the following types of transactions:

  • Checks
  • Automatic bill payments
  • Other transactions using your checking number.

Members do not have to apply for this service. It is automatically part of a member's Checking/Draft Deposit Account Agreement with Horizon (with a few exceptions).

We cannot authorize and pay overdrafts for everyday debit card transactions.

If you would like to opt in to overdraft protection on ATM and everyday debit card transactions please call 800-852-5316 or click here for the opt in form.
When Overdraft Privilege is initiated by a member, due to insufficient funds, a fee of up to $31 will be applied to each insufficient funds item. If at any time you would like to opt out of this service or review your use of service please give us a call at 800-852-5316.
Other overdraft protection plans:
With an overdraft protection plan you can link your checking account to a share account, Horizon Visa, or line of credit. In the event that your checking account goes below a zero balance, money will be transferred from your share account, Horizon Visa, or line of credit to cover the insufficient funds in exchange for a small fee:
From Overdraft Shares ----------------------------------------------------------
From other Share account ------------------------------------------------------
From Line of Credit ---------------------------------------------------------------
From Visa ---------------------------------------------------------------------------
$3.00 or 3% of transfer

For more information or to sign up for an overdraft protection plan please contact a member service representative at 800-852-5316.
Download the opt-in form



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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