Checking Accounts
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
*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.
| Summit | Tether | Replenish | Explorer (Youth) | |
|---|---|---|---|---|
| Minimum Opening Balance | $25 | $25 | $25 | $10 |
| Monthly Service Charge | None | None | None | None |
| Age Requirements | 18 and over | 18 and over | 18 and over | Under 21 |
| Interest Earning | Yes* | On savings account | No | No |
| Per Check Charge | None | None | None | None |
| Visa® Debit Card | 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) |
| Online Banking | Free | Free | Free | Free |
| Online Bill Pay | Free | Free | Free | Free |
| CO-OP ATMs | Free | Free | Free | Free |
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.
