Personal Checking Accounts

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HCB Personal Checking

Horizon Community Bank offers personal checking accounts and other products to meet the needs of individuals and families, helping to manage everyday transactions and grow your money.

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Personal Checking

Horizon Community Bank is proud to be a small bank who takes invests in and nurtures our local community. We’re locally owned and operated, and deeply involved in the neighborhoods that surround each of our five branches.

Ask how we can help your favorite local nonprofit or school today!

ALL CHECKING ACCOUNTS INCLUDE:

  • Seamless integration with other banking products
  • Convenient online and mobile banking
  • Secure, free eStatements (print statements avail. for a small fee)
  • Overdraft protection options available

STAR CHECKING

This account pays a premium rate of interest on balances from one dollar to $25,000!

  • Minimum balance to open the account:  $100
  • Interest bearing account
  • Monthly $3 service fee, waived with average monthly balance of $1,000
  • Requirements to earn maximum 0.90% APY* interest rate:
    • Make at least 10 purchases using your check/debit card
    • Log in to Online Banking at least once a month
    • Receive statements electronically, instead of print
    • Personal checking only, not applicable to business checking
    • Not meeting these requirements results in 0.10% interest rate on the entire balance of the account.
    • Fees could reduce the earnings on the account.
    • When requirements are met, 0.90% APY* premium rates of interest apply to balances from one dollar to $25,000. All balances over $25,000 earn an interest rate of 0.10% APY*.
    • Interest rates effective as of January 10, 2016. Rates subject to change.

PERSONAL NOW CHECKING

This checking account earns interest with few restrictions and requires a low minimum balance.

  • Minimum balance to open the account:  $100
  • Interest bearing account
  • Monthly $7.50 service fee, waived with average monthly balance of $500

SENIOR CHECKING

This account is designed for adults, ages fifty and up.

  • Minimum balance to open the account:  $100
  • Interest bearing account
  • Monthly $3 service fee, waived with average monthly balance of $300

GOOD NEIGHBOR CHECKING

This traditional checking account does not earn interest.

  • Minimum balance to open the account:  $100
  • Not an interest bearing account
  • Monthly $5 service fee, waived with average monthly balance of $400

* Annual Percentage Yield