Checking Accounts

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A Checking Account Made to Meet Your Needs 

Banking doesn’t have to tack on service fees or force you to jump through hoops to get your cash. We believe in the simplicity banking should have – fresh, fully accessible and packed with potential. Our checking accounts come with a robust set of tools to help make your financial journey a smooth, easy ride! 

However you like to bank, we’ve got options! We’ll help you customize your banking to fit your needs. With Summit Checking you’ll earn monthly dividends and with Tether Checking we make it easier to save by bundling checking and savings together. Or if you just want a basic, no frills checking account – we’ve got that too!

Every Checking Account Comes with 24/7 Access and Powerful Money Management Tools 

What Does Your Path Look Like?

Wherever your financial path takes you, we’ve got checking account types that will help guide you towards your dreams! 

Compare Checking Accounts

SummitTetherReplenishBridgeExplore (Youth)
Minimum Opening Balance$25$25$25$25$10
Monthly Service ChargeNoneNoneNoneNone*None
Age Requirements18 and over18 and over18 and over18 and overUnder 21
Interest EarningYes**On savings accountNoYes***No
Per Check ChargeNoneNoneNoneNoneNone
Visa® Debit CardFreeFreeFreeFreeFree
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 BankingFreeFreeFreeFreeFree
Online Bill PayFreeFreeFreeFreeFree
CO-OP ATMsFreeFreeFreeFreeFree
Free Box of ChecksNoNoNo2 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! Funds Transfer makes 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.