Checking Accounts
Choose a Checking Account Made to Meet Your Needs
We don’t believe in making banking complicated by tacking on service fees or adding extra steps to access your money. We believe in the simplicity banking should have – fresh, fully accessible and packed with potential. Our checking accounts come with a powerful set of tools to help make your financial journey a smooth, easy ride.
However you like to bank, we’ve got options to help you customize your checking. With Summit Checking, you’ll earn monthly dividends and with Tether Checking, we make it easier to save by bundling checking and savings together.
Every Checking Account Comes with 24/7 Access and Powerful Money Management Tools
What Does Your Financial Path Look Like?
Wherever it takes you, we’ve got checking account types that will help guide you towards your dreams!
Compare Checking Accounts
| Summit | Tether | Replenish | Bridge | Explore (Youth) | |
|---|---|---|---|---|---|
| Minimum Opening Balance | $25 | $25 | $25 | $25 | $10 |
| Monthly Service Charge | None | None | None | None* | None |
| Age Requirements | 18 and over | 18 and over | 18 and over | 18 and over | Under 21 |
| Interest Earning | Yes** | On savings account | No | Yes*** | No |
| Per Check Charge | None | None | None | None | None |
| Visa® Debit Card | Free | Free | Free | Free | Free |
| Overdraft Transfers | $1.50 per occurrence From Visa $3.00 or 3% of transfer (Whichever is greater) | $1.50 per occurrence From Visa $3.00 or 3% of transfer (Whichever is greater) | $1.50 per occurrence From Visa $3.00 or 3% of transfer (Whichever is greater) | $1.50 per occurrence From Visa $3.00 or 3% of transfer (Whichever is greater) | $1.50 per occurrence From Visa $3.00 or 3% of transfer (Whichever is greater) |
| Online Banking | Free | Free | Free | Free | Free |
| Online Bill Pay | Free | Free | Free | Free | Free |
| CO-OP ATMs | Free | Free | Free | Free | Free |
| Free Box of Checks | No | No | No | 2 Boxes Annually**** | No |
*$6 fee if your balance falls below $500
**To earn bonus dividends you must meet the following requirements during the qualifying cycle: (1) log into online banking at least one time, (2) agree to receive online statements, (3) make fifteen purchases using your debit card and (4) you must have at least one direct deposit post to the account. APY is paid on balances up to $10,000.
***Earns interest when average daily balance remains above $1000 for the month
****For members 55+ with direct deposit of net pay or with $1000 or more on deposit
GET $200 ON US*
For a limited time, you can get an extra $200 in cash when you open a new checking account with Horizon.
Free Online Services
We offer a robust suite of online products! With these tools, you’ve got all the right equipment to reach your financial goals!
Online / Mobile Banking
Access all your account information at the comfort of home with home banking or wherever you go with our free mobile app! To get started, simply use the login credentials given to you when you opened your account.
Online Statements
Saving trees and no need to wait for statements to arrive through snail mail? Yes please! To get started, log into online banking and select Online Statements under the Additional Services tab.
Easy, Intuitive Money Management Tools
With our free money management tools, you can categorize your transactions – even from other financial institutions – to visualize your spending habits. The interactive dashboard highlights where you’re spending your money and tracks your progress towards your savings goals!
Pay Bills Easily
View and pay your bills in one place when you use Horizon’s online bill payment! Log into online banking and select Bill Pay to get started.
Send and Move Money Effortlessly
Send money to friends and family or transfer money from your Horizon account to your accounts at other financial institutions – for free! Popmoney and Funds Transfer make it easy to split the bill for dinner, give your kids their allowance or move money between your different financial institutions.
To get started, log into online banking and select External Account Transfers under the Move Money tab!
Mobile Check Deposit
Deposit your checks from the convenience of … well, just about anywhere! Log into the Horizon mobile app and select Check Deposit.
Purchase Rewards
Get rewarded for making everyday purchases! Activate free purchase rewards and get automatic cash back to your account for purchases you make using your debit card at your favorite stores.
Overdraft Protection
We believe every member deserves some consideration rather than automatically tacking on hefty fees. That is why we offer our members Overdraft Privilege and other overdraft protection options!
Teller Express
Access your accounts and loans 24 hours a day, 7 days a week with Horizon’s Teller Express! Just by using your phone, you have the power to access your accounts easily anywhere, at any time. Check balances, make deposits / withdrawals, transfer money between accounts, make a loan payment and more!
Reach out to us for a Teller Express PIN number and start using Teller Express today!
Find your nearest branch or ATM
We’re part of the CO-OP ATM network! That means with us you’ll gain access to over 30,000 ATM locations nationwide. That’s more than most banks!
Wherever you roam, Horizon’s along for the ride.
