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Do I have to pay a Monthly Service Fee with a 55+ Checking Account?

No. If you are 55 years of age or older, you do not have to pay a monthly fee. This feature makes this checking account the ideal choice for adults who desire an easy to use checking account that grants them everything they've come to expect from a Horizon Bank checking account.

Do I receive Interest on the 55+ Checking Account?

No. Unlike the Interest Checking option, interest is not included with this account. You do receive discounted checks however. If you wish to receive interest on your checking account, we encourage you to pursue a Horizon Bank Interest Checking account.

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I have an iPhone. Can I use your mobile app?

Our mobile app is available for iPhone and Android users.  The app is free and can be downloaded by visiting Apple and Android app stores.

Do I have to be an online banking user in order to use mobile banking?

Yes, you must be an active online banking user in order to sign up for mobile banking.  To register to use mobile banking, login to online banking, navigate to 'Preferences' on the left menu and select 'Mobile.'  Click the check box under 'Mobile Enrollment' (next to 'Yes, enable my User ID and Password for use on my mobile device') and click 'Submit'.

I tried to do a transfer on my phone but it said I wasn't set up.

In order to do transfers using a mobile device, login to online banking and select Mobile.  Then, click the 'Mobile Authorizations' tab and create a 4-digit Mobile Authorization code and hit 'Submit'.

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FAQ

What Expenses Qualify to be Paid with an HSA?

Actual medical expenses: prescribed prescriptions, doctor visits, dental care, medical care transportation, etc. Long-term Care health insurance Healthcare coverage: Unemployed or Benefit Continuation Some health insurance after the age of 65 Note: Uses of HSA assets that are not qualified will be subject to taxation and a 20% penalty, unless the HSA account beneficiary is age 65 years or older is disabled or dies.

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I'm Self-Employed. Am I Still Eligible for an HSA?

Self-employed people may have an HSA. Self-employed individuals are often perfect candidates for an HSA. HSAs are ideal for the self-employed for the following reasons: Often High-deductible insurance plans contain significant premium costs and HSAs can be a useful cost management resource for the employer The employer will be protected from significant healthcare expenses The HSA may provide for both retirement and medical expenses.

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How Do I Report Contributions to My HSA?

Horizon Bank will ensure you are provided with all necessary tax documents for your filing purposes.

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Am I Eligible for an HSA account?

You are eligible if you are covered under a high-deductible health plan (HDHP) on the first day of such month. You are not also covered by any other health plan that is not an HDHP (with limited exceptions). You are not entitled to benefits under Medicare (generally not yet age 65) You are not able to be claimed as a dependent on another person's tax return.

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What Are the HSA Contribution Rules?

The total amount you or your employer may contribute to an HSA for any taxable year is dependent upon whether you have individual or family coverage under a high deductible health plan. 2016 HSA Contribution Limits: Self Only: $3,350 Family: $6,750.

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What is a chip card?

This is a debit or credit card with a small microchip built into it. Chip-enabled cards are also sometimes referred to as “EMV cards” or “smart cards.” (EMV refers to “Europay, MasterCard®, and Visa® — the three companies behind this new worldwide payment standard.)

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What are the benefits of chip technology?

Chip cards offer enhanced security, in two important ways:

a) The microchip encrypts your card’s secure information, and authenticates your payment with a unique code each time you use it. This helps prevent thefts by making it virtually impossible to copy your card’s security data.

b) Your card never leaves your sight — even in restaurants. Since chip card payment terminals are portable, your server can bring one directly to your table to process your payment.

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Why is this change happening?

For better protection against fraud. The technology has already proven successful in achieving this goal, across more than 130 countries around the world. In fact, chip cards have been the standard in Canada, Mexico, South America, Europe and Asia for several years — and will now be the standard in the U.S., too.

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How do I use an EMV terminal?

No more swiping! Instead, you’ll insert your card into the EMV reader. Leave the card in the reader until your purchase has been processed. Sometimes a signature will be required. 

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How do I use my chip card for web- or phone-based transactions?

Follow your usual process for checking out online or on the phone.

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What happens if I use a terminal that is not chip-enabled?

Your chip card still has a magnetic strip as well. So if you don’t have the option to use the chip functionality, just swipe your card and check out as usual.

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How to Transfer Funds

One Time Transfers

1.  Login to Online Banking and choose Transactions > Funds Transfer

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2.  Select the account you want to transfer FROM
and the account you want to transfer TO from the drop downs lists.

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3. Enter the amount you want to transfer

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4. Select the date you would like the Transfer to post
Click Transfer Funds

Scheduled Transfers

1.  Login to Online Banking and choose Transactions > Funds Transfer

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2.  Select the account you want to transfer FROM
and the account you want to transfer TO from the drop downs lists.

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3. Enter the amount you want to transfer

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4. Click the box 'Make this a recurring Transfer

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5. Select the frequency of the transaction

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6. Select the date   you want the Transfer to start and end.

Click Transfer Funds

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Horizon Bank