Personal Checking Accounts

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.

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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 $25,000.00!

• Minimum balance to open the account:  $100.00
• Interest bearing account
• Monthly $8.00 service fee
  • Monthly Service Fee reduction of $5.00 when you sign up for Electronic Statements
  • Monthly Service Fee reduction of $3.00 with an average monthly balance of $1,000.00
• Requirements to earn maximum 1.25% Interest Rate ( 1.26% Annual Percent Yield*):
  • 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, 1.26% Annual Percent Yield* premium rates of interest apply to balances from one dollar to $25,000.00. Balances exceeding $25,000.00 will earn a rate of 0.10% with a 0.10% Annual Percentage Yield with or without meeting the qualifying requirements.
  • Interest rates effective as of July 10, 2020. 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:  $100.00
• Interest bearing account
• Monthly $12.50 service fee
  • Monthly Service Fee reduction of $5.00 when you sign up for Electronic Statements
  • Monthly Service Fee reduction of $7.50 with an average monthly balance of $300.00

SENIOR CLASS CHECKING

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

• Minimum balance to open the account:  $100.00
• Interest bearing account
• Monthly $8.00 service fee
  • Monthly Service Fee reduction of $5.00 when you sign up for Electronic Statements
  • Monthly Service Fee reduction of $3.00 with an average monthly balance of $300.00

GOOD NEIGHBOR CHEX CHECKING

This traditional checking account does not earn interest.

• Minimum balance to open the account:  $100.00
• Not an interest bearing account
• Monthly $10 service fee
  • Monthly Service Fee reduction of $5.00 when you sign up for Electronic Statements
  • Monthly Service Fee reduction of $5.00 with an average monthly balance of 400.00

* Annual Percentage Yield