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Horizon Bank

Horizon Bank offers a MasterCard®Debit card that you can use not only for ATM withdrawals and deposits, but also for making purchases. And, these benefits are available to you at no additional charge.1 Here are the other benefits that come with a MasterCard Debit card from Horizon:

HZN_DebitCard16_v2  Horizon Debit Card


  • Earn 1 point for every $100 spent from every day purchases - Learn More about Debit Rewards Program
  • Convenient 24-hour access to cash from ATMs - access to thousands of MoneyPass ATMs
  • Apple Pay available 
  • Receive a debit card the same day you open an account or get a replacement card on demand at your nearest branch2
  • Built-in security - FraudWatch® PLUS debit card fraud prevention, account alerts and chip technology adds another layer of security when used at a chip reader
  • Make Purchases as you would with a Credit Card with MasterCard SecureCode

Frequently Asked Questions

What is a Debit Card?

The Horizon debit card looks like a Mastercard credit card, but operates like cash or a personal check. While a credit card is a "way to pay later" a debit card is a "way to pay now".  When you use a debit card, your money is quickly deducted from your checking account.

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Where can I use my debit card?

Horizon's Mastercard debit card is accepted anywhere you see the Mastercard logo including grocery stores, retail stores, gasoline stations and restaurants worldwide.

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What are the benefits of a debit card?

Using a debit card instead of writing checks saves you from showing identification or giving our personal information at the time of the transaction.

Using the debit card frees you from carrying cash or a checkbook.

Your debit card transactions will be shown in detail on your monthly checking account statement.

Using a debit card means you no longer have to stock up on traveler's checks or cash when you travel.

Debit cards may be more readily accepted than checks, especially in other states or countries wherever MasterCard is accepted.

Obtaining a debit card is often is often easier than obtaining a credit card.

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What is the difference between the cards?

Debit cards allow you to spend only what is in your bank account. It is a quick transaction between the merchant and your personal bank account. Credit cards are revolving lines of credit made available to you just like a loan. The amount the credit card issuer allows you to use is determined by your credit history, income, debts, and ability to pay. You may use the line available on the credit card with the understanding that you will repay the amount, plus interest if you do not pay in full each month.

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What if my card is lost or stolen?

Please call 1-800-264-5578 to report your lost or stolen card immediately.

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What is partial approval for debit cards?

If you do not have enough money available in your checking account to complete the charge with  your debit card, you can receive partial approval for your transaction instead of being declined. The reminder must be paid with another form of payment such as another credit card or cash.

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What is FraudWatch Plus?

FraudWatch® PLUS means you'll have trained analysts watch for suspicious transaction activity on your behalf, 24 x 7, 365 days a year. You will be contacted immediately by an experienced fraud analyst to verify the authenticity of your card transactions, if warranted. So if you ever get a call from "Fraud Prevention Services," know that our people are doing their job and preventing potential misuse of your card.

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Report a lost or stolen debit card

Report your lost or stolen debit card by calling 1-800-264-5578.

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Do I have to come in to the office to add my savings acct to my Debit Card?

You can visit a branch or call the Call Center at 888-873-2640 to have your savings account added to the debit card.

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How do I unlock my debit card from too many wrong pin attempts?

Your account will unlock by itself 24 hours after the last decline or you can contact customer service at 888.873.2640 during normal business to have your your password reset. 

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Couldn't remember PIN number got locked out of my card for trying to many times can I still use it

After three invalid PIN attempts, your card is locked for 24 hours and is unable to be used.  Once this timeframe is met, the card is able to be used once again.  If you had forgotten your PIN, please contact our call center at 888-873-2640 for assistance.

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Ask your own question »

Lost or Stolen Card?
What to do if your ATM or Debit Card is lost or stolen.

Horizon Bank makes it easy for you to prevent fraudulent activity.

Call 1.800.264.5578

Planning to Travel?
Here's why you want to notify your bank when traveling.

Horizon Bank takes your account security very seriously. Notifying us will help to ensure your debit card purchases are not blocked by our fraud protection service.

Contact us at 888-873-2640 or send us a secure email to notify us of your travel plans.

Learn more here.

Find a MoneyPass ATM
Coast-to-coast ATM locations make life convenient.


The MoneyPass ATM network offers tens of thousands of surcharge-free ATMs coast-to-coast where you live, work and travel. Find the most convenient location to withdraw money without having to pay additional fees.

Download the MoneyPass app
iPhone | Android








You can do the same things with chip-enabled cards as you can with magnetic stripe cards - making purchases to getting cash at an ATM - but with added security.

Chip cards increase security and minimize fraud for both you and your customers because they are nearly impossible to replicate. 

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.)

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.


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.

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.

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.

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.


1 No Fees on Deposits and Withdrawals at any MoneyPass and Horizon Bank ATMs
2 Debit on Demand is not available at the following offices:  Columbia City (507 N. Main Street), MCHS (Michigan City High School), Okemos, MI (2151 West Grand River),, Three Rivers, MI (1213 W. Michigan Avenue), Valparaiso, IN (455 Morthland Drive)

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Horizon Bank