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Horizon Bank

Get the security of a loan with the flexibility of a line of credit. Visa® is recognized around the world and adds purchasing power to your wallet.  Low rates and low to no annual fees are two incentives to open. Sign up for a Visa credit card with rewards and earn points to use toward travel and merchandise just for using your card. Sign up today!

Apply Online Today No matter what card you choose, you'll enjoy important features like EMV smart chip technology for added security and mobile purchasing capability for added convenience. 

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FAQ

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.

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