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Horizon Bank

Why Horizon

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I was with a bank that was much too large to pay attention to my problems. Horizon came to town right about that time and I found that we were a perfect fit. They found us financing that our old bank was unable to provide and introduced some new technology.

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Craig Vestal
Owner
Portage Printing

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We actually switched to Horizon after I couldn't get an issue resolved with another bank. Within 15 minutes on the phone, a Horizon employee resolved my issue. I had never even met him!  They do tremendous work. I am very happy with them.

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Bruce Hoover
Owner
Frontier Lawn & Recreation

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Horizon is there for you all the time.  They've been very good to me. If I've ever needed anything, they've been there for us.  The local bank managers are outstanding.

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John Hermann
Owner
Carlson's Drive-In

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Horizon Bank has helped us secure the high-investment equipment we need to do the best auto repair work possible.This is the equipment that’s necessary for being considered by insurance companies in order to do work for their customers.

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Clay Moser
Owner, President
Good Guys Collision

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I love the personal feel I get when I walk in and am greeted, “Good Morning, Michelle!” Mike Sarver has been excellent to work with and I trust him. This is very important for small business owners like me. 

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Michelle Golab
Owner
Topperz

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We decided to do business with Horizon Bank largely because of our working relationship with Rob Gardiner. Rob was our representative at a previous bank we had been doing business with for over 20 years. He always proved himself to be very knowledgeable and dedicated to providing us with exceptional service.  So when he moved to Horizon, we decided to move with him.  Horizon Bank and Rob now continue to provide exceptional service – along with highly competitive rates.  

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Rick Pietrzak
Owner
Lithographic Communications

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We had read some wonderful things about Horizon Bank, their commitment to the community, and their strong SBA loan-origination numbers. That motivated us to contact our local branch.  We were so fortunate to meet and know Pat McGinley of the Lincolnway branch. That motivated us to contact our local branch.  

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Tammy Wendland
President
Plato's Closet

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Eliminate the worry that comes with money management by allowing Horizon Bank's money management accounts to move your money automatically based upon your parameters. And, get further peace of mind with our security and fraud detection services.

 

Business Need

Horizon's Solution

Get alerted when suspicious activity occurs

Positive Pay

Review all incoming and paid check activity

Reverse Positive Pay

Automatically transfer and manage funds to cover expenses

Credit Sweep

Concentrate your funds into a single account

Zero Balance Account

Automatically invest excess, idle funds to interest-earning accounts

Investment Sweep

Digitally store your check images and deposit history

CD Rom Imaging

 

Positive Pay

Horizon Bank Positive Pay is a specially designed fraud detection system ideal for your growing business. With Positive Pay, you will be able to secure and control your checking and deposit transactions more effectively, receiving advanced warnings when suspicious or unauthorized activity occurs.

  • Access Positive Pay through your online banking, forgoing the need for costly and unsafe software or hardware installations
  • Receive daily notifications to review unexpected electronic transactions or checks so that you can reject anything that's unauthorized or counterfeit.
  • Control your checking activity by enabling your business to view and make payment decisions on checks or electronic items that are attempting to clear against your accounts
  • Secure your business's development against the inevitability of dangerous checking fraud

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Reverse Positive Pay

Horizon Bank Reverse Positive Pay is a powerful fraud detection solution designed to secure your growing business or organization from potential financial losses due to checking fraud. With Reverse Positive Pay, you will be able to review all incoming and paid checks for potential fraud scenarios, making your company’s checking transaction management process less prone to faulty checks and their attached business losses.

  • Detect and prevent business fraud scenarios through paid check review
  • Review all incoming check activity and set up payments using pre-determined deadlines
  • Gain more control over your financial activity to increase your operational efficiency

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Credit Sweep

Horizon Bank Credit Sweep is a part of Horizon Bank’s sweep suite, consisting of products designed to help you manage your business or organization’s funds more effectively. Empower your company by connecting your line of credit to any of your Horizon Bank business checking accounts. Using the Credit Sweep, you will be able to improve your funds management by tethering your Horizon Bank financial resources together.


  • Set up a Target Balance for your connected checking account with your Horizon Bank commercial  loan advisor
  • Put your idle business funds to use, and significantly reduce the time you spend managing those funds
  • Arrange daily payments from your checking account to significantly reduce interest expenses on your line of credit

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Zero Balance Account

Horizon Bank Zero Balance Account enables you to manage your multiple business accounts more effectively through this automatic account feature. By setting up one of your Horizon Bank accounts as a Zero Balance Account, you will be able to organize automatic transfers from a base account into sub-accounts to cover their transactions. For example, your business would automatically be able to transfer funds from your main account into a Payroll account when those transactions come through.

  • Save valuable operational time by reducing labor spent on account transfers
  • Reduce natural transaction risk that occurs with the stress of having to repeatedly and manually transfer funds between accounts

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Investment Sweep

Horizon Bank Investment Sweep is a part of Horizon Bank’s sweep suite, consisting of products designed to help you manage your business or organization’s funds more effectively. If you take advantage of our investment sweep, we will be able to coordinate your accounts to automatically invest any idle balances so that your business is able to continue to grow with minimal hassle.

  • Earn income through significant investment opportunities that won’t tie up your operating funds
  • Reduce the risks and operational costs that come with manually moving your money around
  • Put your idle business funds to good use, and significantly reduce the time you spend managing those funds

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CD Rom Imaging

Horizon Bank CD Rom Imaging enables you to store your business or organization’s checking and deposit history more safely and efficiently. If you choose to set up CD Rom Imaging, you will be able to digitize your checks and deposits and provide the images via CDs, eliminating the risks and costs associated with having to manually photocopy your financial history.

  • Significantly reduce operational time spent creating, storing and managing your financial history
  • View your past checks and deposits more quickly and more securely through the convenience of CD-stored images
  • Embrace a safer and more efficient system for retrieving your checking and deposit records
     

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Exceptional Service Sensible Advice®

Horizon Bank