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  • Earn rewards on everyday purchases. Learn More about Debit Rewards Program
  • Receive a debit card the same day you open an account or get a replacement card on demand at your nearest branch2
  • Control your finances anytime, anywhere with online banking and mobile our mobile app
  • 24-hour access to cash from ATMs - access to thousands of MoneyPass ATMs
  • Apple Pay available 
  • 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

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), LPHS (LaPorte High School), Okemos, MI (2151 West Grand River), Valparaiso, IN (455 Morthland Drive), Attica, IN (2 S. Perry St.)

Debit Card FAQs

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.

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.

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.

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.

What if my card is lost or stolen?

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

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.

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.

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.

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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.
 

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surcharge-free ATMS, nationwide

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