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We are a not-for-profit financial institution located in the Northwest. As a member-owned credit union, every decision we make is tied to the benefit it brings our members. We know that each financial journey is unique, and we are prepared to maintain our promise to guide members in the direction of their dreams.

Overdraft Protection

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.

Start protecting yourself today by opting in online.

Debit Overdraft Opt-in

Here's how it works:

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

  • Checks
  • Automatic Payments
  • Other Transactions Using Check Number

We understand that nobody’s perfect. If you ever find yourself in a bind, we want to give you every opportunity to avoid high merchant penalties for unavailable funds. You deserve consideration, and that’s what overdraft privilege provides.

Overdraft privilege is already part of your deposit account agreement with us. With some exceptions, most of our checking/draft account types and individual accounts are eligible for this service. See “Ineligible Accounts”, “Eligible Account Types” and “Eligible Transaction Types” in the Overdraft Privilege Service Program.

If you do not use the ODP service, it costs you nothing. “Use” means you initiate insufficient funds transactions. If you do use the ODP service, you will be charged a flat fee of $29 per overdraft or insufficient funds item. Check out the full Overdraft Privilege Service Program for details.

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 Shares - $1.50/occurrence
  • From Visa Card or line of credit  - $3.00 or 3% of transfer (whichever is greater)/occurrence

For more information or to sign up for an overdraft protection plan please contact a member service representative at 800.852.5316.

Debit and Credit Notice:

Our third party card processing network is currently experiencing issues with debit and credit card transactions. You may temporarily experience declined purchases when using your Horizon debit or credit card while these issues persist. We apologize for any convenience this may cause.

    Routing Number: 325182506

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