Horizon Checking Accounts

High interest rates or cash back on debit card purchases; it is your money, so it should be your choice.

When you open a checking account with Horizon, you can choose between two great options based on your specific banking preferences.

Earn 2.00% interest with an Advantage Checking, or
Earn 2% cash back on debit card purchases with a Bonus Checking.

Account Comparison
Bonus Checking Advantage Checking
Minimum Balance to Earn Rewards None None
Dividends Paid None $$$
Cash Back on Purchases Yes None
Convenient VISA Debit Card Yes Yes
Innovative Online Banking & Mobile Banking Yes Yes
Convenient Bill Pay & Mobile Deposits Yes Yes
ATM Fee Refunds Up to $20 monthly No
Access to Over 30,000 Surcharge-free ATMs Yes Yes
Identity Theft Protection No No
Free eStatements Yes Yes
Service Fees None None

Earn your Rewards by meeting three simple requirements:

  1. Register for Direct Deposit
  2. Enroll in E-Statements
  3. Conduct 15 or more Debit Card purchases each month

*APY=Annual Percentage Yield. APYs accurate as of 02/01/21. Rates may change at any time. If qualifications are met each monthly qualification cycle: (1) balances up to $25,000 receive APY of 2.00%; and (2) balances over $25,000 earn 0.25% dividend rate on portion of balance over $25,000, resulting in 2.02% - 0.43% APY depending on the balance. If qualifications are not met, all balances earn 0.00% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying check card transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Limit one account per SSN.

Restrictions & qualifications apply: ATM Refunds available nationwide up to $20 monthly. Cash Back available on purchases exceeding $300, up to $6 monthly.
Monthly Qualifications: Must be enrolled and receive eStatements; must have at least 15 signature debit card purchases of a minimum $5 transaction amount post and settle; and must have full direct deposit go into your checking account or at least one automatic payment (ACH) post and settle each month.