These are credit and debit cards with a small secure microchip built into the card. Chip-enabled cards are also sometimes referred to as “EMV cards” or “smart cards.” The cards offer enhanced security by generating authentication codes dynamically when a cardholder makes a purchase.
 

This means that when cardholders enter their PIN or sign for a purchase, the amount is processed using a code that is different every time — making it virtually impossible for theft to occur by copying card data electronically.
 

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Chip card terminals are used to accept microchip-enabled cards, which offer enhanced protection against fraud.  Your customer will insert their card into the terminal. Sometimes they will be prompted for their PIN.

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Sometimes. Some cards may still require a signature instead of a PIN.

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By implementing chip card technology, customers will have greater trust when they shop with you. So the business will benefit by building customer loyalty — and you’ll also see reduced payment fraud from counterfeit, lost, and stolen cards.

Plus, you’ll also be able to accept mobile payments, from people using tools like Google Wallet and Apple Pay, which are becoming more and more popular with young consumers.
 

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The costs vary based on the type of merchant processing equipment & products a business uses. Contact your Horizon Bank Advisor for suggestions on the best product to suit your business needs.

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Small restaurants or quick service restaurants will also be realize the shift in liability should it process a counterfeit transaction using a non-chip card terminal.  Restaurants will be required to process customer payments at the table or at a counter where the credit or debit card never leaves the card holder’s possession.  In addition, the tip function for table side service will no longer be available.  All tips will be included in a single credit card transaction.

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Contact your business banker to discuss the best product for your business needs.

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Contact your Horizon Business Advisor at one of our local branches or call  888-873-2640.

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The bank will enroll an administrator for the business’s online banking account.  The individual who enrolls as administrator must be listed on the business resolution with appropriate authority.  This administrator may have full access to the account and will setup any additional company users.  The administrator will have the ability to grant or restrict access based on the business’s needs.   

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A business customer can enroll in online banking by visiting a branch location.  A bank advisor will verify pertinent information and submit enrollment electronically.  The customer will choose a login ID and temporary password during the enrollment process.

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The customer will receive a welcome email notifying him/her that the enrollment process has been completed, typically within 1 to 2 business days after enrolling at the branch.  The customer can now begin using online banking by logging in with the login ID and password chosen at the time of enrollment.  Once a customer has logged in for the first time, he/she can register for additional services while online, such as eStatements and Business Bill Pay.  

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A Certificate of Deposit (CD) is a savings certificate that entitles you to receive interest, restricting you from withdrawing on demand without incurring a penalty.

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CDs are a great way to make your wealth grow, so long as you have clear financial long- or short-term goals in mind for your money. With competitive rates of interest, you will get the most return on your money with this type of savings.

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CDs are determined by a purchase value, an interest rate, and a time term. When this time term is reached, you will be awarded the value of your CD including all interest earned.

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

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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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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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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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Using a debit card instead of writing checks saves you from showing identification or giving out 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 easier than obtaining a credit card.

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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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Please call 1-833-337-6075 to report your lost or stolen card immediately.

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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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Enfact is a Debit Card fraud service that detects suspicious activity on your Horizon Bank debit card. Trained analysts watch for suspicious transaction activity on your behalf, 24/7, 365 days a year. If warranted, you can be contacted on behalf of Horizon Bank by phone from 877-253-8964, email or if you have a cell phone number on file and have enrolled in text messaging, you will receive an text alert from 20-733 to verify suspicious fraud activity . 

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Report your lost or stolen debit card by calling 1-833-337-6075.

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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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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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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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This software provides an added level of security on your computer while you access online banking. This added layer of security scans your device and monitors for fraud attacks. This service is available for desktop operating systems.

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If malware is detected, Detect Safe Browsing will notify you of the infection, let you know what malicious activity it has blocked on your device, and allows you to access online banking safely.

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Easy Solutions provides a comprehensive list of FAQs related to installation, system, web browser and other technical requirements to help ensure the software works properly on your computer or laptop. These are always maintained to include the most up-to-date information.

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Click on the Windows or Mac download buttons found above on this web page, then run the installer to load the software on your device.

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Click Transactions>Statements from left-hand menu in online banking. Select the account you would like to view and click on the statement date you wish to see (on the right side of the screen).   The statement will appear on the left.  To print the statement, select the disk icon at the top of the box where the statement appears. The statement will be downloaded to your computer (in your download folder or where you have your downloads set up to save).  Once downloaded, click the 'print' icon at the top of the page.

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Customers can view statements on online for up to 2 years. Statements will appear by date with a listing of most recent on top.

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When you begin to create your will, you will not only have to think about what your wishes are for your assets, but also whom you would like to manage the execution of these desires. Usually a family member or close business associate is assigned to this task, but oftentimes the complexities of estate management can bring significant stress to those who lack experience and expertise in this area. Horizon Bank trust advisors are trained in estate administration and have the unique skills to help these loved ones with this burden.

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Our advisors are trained to handle the complexities of estate management. Those you name as executors will have to successfully protect the assets of your estate, determining what must be distributed to your beneficiaries or trusts, when certain assets should be sold, and what real estate and personal property values are currently appraised at. They will also have to manage payment of debts, taxes and final expenses, all while preparing to contest improper claims and collecting funds owed to your estate. Your Horizon Bank advisor will walk your representatives through every step of this difficult process, aiding them with thorough planning and sensible advice.

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Your completely free retirement planning consultation meeting is designed to determine your current financial situation and long-term retirement planning goals. Once we have an understanding of where you are and where you want to be, we’ll develop a budget and wealth creation plan so that you are able to retire successfully.

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After we determine your goals for retirement, we will work together to discover opportunities to manage your assets more effectively and grow your future wealth. We will look at all the options available to you and implement those that make sense to you and your unique financial situation.

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Yes. A small $5 monthly fee is required with this account. This fee helps us ensure that you can get back on track with checking regardless of any past issues you may have had with checking accounts.

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No. You do not receive interest with this account. This account is designed to keep things simple as you get back on track with checking.

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Yes, the Fresh Start Checking account comes with a debit card, unlimited check writing, free online banking and bill pay and combined monthly statement of all your accounts.

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

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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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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. 2021 HSA Contribution Limits: Self Only: $3,600 Family: $7,200. For those 55+ Self Only: $5,600 Family: 9,200. 

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Your Home Equity is the difference between your home's value and the mortgage balance on your home. A home equity line's credit limit is usually a percentage of your home's appraised value, subtracting from that the balance owed on your existing mortgage. Your home serves as collateral against this form of revolving credit.

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A HELOC provides you long-term flexibility for both borrowing and repayment, so that you have the financial capability to make the purchases you need to improve your home, buy a new automobile, pay college tuition, or plan for future expenses.

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Your Home Equity is the difference between your home's value and the mortgage balance on your home. A home equity loan's credit limit is a percentage of your home's appraised value, subtracting from that value the balance owed on your existing mortgage. Your home serves as collateral against this fixed-rate, fixed-term loan.

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A Home Equity Term Loan is ideal for major expenses like home additions, vacation, or debt consolidation, providing predictable monthly payments.

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There is nothing more important to us than the safety and well-being of our customers, employees and communities we serve. Horizon has a pandemic plan in place for our Advisors, as well as our customers. This plan is inclusive of keeping our products and services fully available to you, while also increasing cleaning and sanitization efforts in our public and private locations, reinforcing healthy habits for our staff through social distancing, and strictly following CDC guidelines.

At this time, our lobbies are open by appointment only in order to further prevent the spread of COVID-19.

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An incoming international wire (or payment) is an electronic transfer of funds directly credited to your account from an overseas remitter. In most cases, a wire is the quickest way to receive funds from abroad.

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A wire will normally take 2-3 business days to be credited to your account, although this can never be guaranteed.

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The remitter should send the funds, and if in foreign currency, Western Union Business Solutions will convert them into U.S. Dollars before forwarding to Horizon Bank for credit to your account.

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No. As long as your minimum account balance does not fall below $2,500, you will not have to pay a monthly fee.

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You will incur a monthly fee of $8 if your balance falls below $2,500. Horizon Bank Interest Checking is ideal for you if you're looking to get competitive rates of return on your checking account balance, and this limit encourages you to keep your account balance at a level that creates significant returns for you.

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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.

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Yes, a $100 minimum balance is required to earn interest.

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Almost anyone with a qualified employer plan distribution can invest funds into a Rollover IRA. (Exceptions include: mandatory distributions, required minimum distributions, distributions on amounts that exceed limits, non-spousal death benefit distributions. Hardship withdrawals and outstanding loan balances.

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Contributions when rolled over remain tax-deferred as well as any additional earnings to the account.

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There are no limits on the rollover amount.  
Future contributions follow the same limitations as a Traditional or Roth IRA. For the tax year 2016 or 2017 you can contribute $5,500. For age 50 or older a contribution of $6,500 in 2016 & 2017 may be contributed. For the Roth IRA, there is a phase-out of contribution amounts as AGI approaches these certain limits. However currently, there is no AGI limit on conversion to a Roth IRA.

NOTE: There are time limits and how frequent you can move your funds.  See question Is there a deadline for Account Opening & Contributions on a Rollover IRA?

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Rollovers can be opened anytime as long as it is within 60 days of the distribution of assets from your employer-sponsored plan only once per year.

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Yes. Any withdrawals (not including nondeductible contributions) will have regular income taxes and possible penalties if qualifying conditions are not met. There are no taxes or penalties on qualified direct rollovers.

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Yes. Beginning at age 70 1/2 withdrawals will be required for Traditional IRAs. There is no requirement for Roth IRA withdrawals. Inherited IRAs of all types have withdrawal requirements.

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Withdrawals can potentially incur a 10% penalty with exception of the following: upon reaching age 59 1/2, death or permanent disability, beneficiary of deceased IRA owner, qualified military reservist distribution, certain medical expenses, first home purchase (maximum of $10,000), qualified higher-education expenses, 72(t) periodic payments.

Note:  For Roth IRAs earning withdrawals cannot be taken without penalty until at least 5 years from the year of the first contribution or conversion.

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Horizon Bank offers both FDIC insured options such as Certificates of Deposit and non-FDIC options, including stocks and mutual funds, through Horizon Trust & Investment Management.

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Individual Retirement Accounts (IRAs) are designed to help you plan for your retirement. They are technically a type of savings plan, but designed to offer significant tax benefits that save you the most money for when you're ready to retire.

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Horizon Bank has a variety of options to work around or supplement employer-sponsored plans. We often find that you can save additional money in conjunction with these plans, and together we can figure out exactly how much more you can save.

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A Living Trust will allow you to secure and manage a variety of assets, such as collectibles, your investment portfolio, or even a closely held business.

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You as the trustee will be able to control your estate planning until you have directly appointed a new trustee, or if you are no longer able to manage your estate through incapacitation or death. At that point, your trustee will gain full control over the administration of trust assets.

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Live chat with a Horizon Advisor is available Monday - Thursday 7am - 5pm CT, Friday 7am-6pm CT and Saturday 7am - noon CT. The chat link can generally be found on the lower right-hand side of the page. Click the Live Chat icon to start a conversation with a Live Chat Advisor. 

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No, you do not need to be a current Horizon customer to use Live Chat.

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You can ensure that you are chatting securely with Horizon Bank Advisor in a variety of ways:

• Our Advisors will always identify themselves to you, stating their name
• Our Advisors will not ask for personally identifiable information
• You will be chatting on a Horizon owned site with a valid security certificate issued to Horizonbank.com

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You can chat about basic support questions.

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Yes, our Live Chat Advisors are available to help you navigate most basic Online Banking questions.

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No, our Live Chat Advisors are not able to provide account or transaction details through chat.

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Yes, our Live Chat Advisors are available to help you complete an online application.

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If our chat agents are currently unavailable, you will receive an automated response that we are unavailable.

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Yes. Our Live Chat service is available for mobile devices.

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No. For your security, our Advisors are unable to provide account numbers over Live Chat. 

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To print your chat session, locate the text chat area then press CTRL+P and follow your operating system's printing instructions.

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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.

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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'.

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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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Once your enrollment has been processed, you will receive a welcome email indicating that you are now ready to begin using the service.

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Simply enter the login ID you chose at the time of enrollment, then click 'Forgot Password.'  You will be prompted to receive a new access code.  Once received and entered, you can then choose a new password.

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Registering the computer means that it will 'remember' you for future sessions and therefore not require the use of a security access code each time you log in.  Registering the computer is only recommended for computers you control (such as your home computer).   It is not recommended when using a public computer.

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This typically occurs if your browser is set to remove all 'cookies'.  The system recognizes you by your browser's specific cookie, and if this is absent, the system assumes you are a first-time user.  Generally, some minor changes to your browser settings will correct this issue.  Please refer to our Optimal Browser Setting Guides.

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When you choose to receive your access code through email, check you spam or junk folders as sometimes it might be in there. The best option for receiving the code is to request to receive it via text or phone.  

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The magnifying glass icon next to some transactions indicates there is an image for that transaction.  Just click on the magnifying glass icon and the image will display.

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You can change the display name for any account by going to the Settings>Account Preferences and enter a 'nickname' for any of your accounts.  Your chosen name will then appear instead of the default name or account number.

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If you select transactions>activity center you will see all individual transactions.  Click on recurring to see transactions that are currently setup as a recurring transaction. For earlier or cancelled transactions, click on show basic and change the type or date.

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To add an account of which you are an owner, please send a Secure Message indicating which account you wish to add.

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It appears that you may have inadvertantly sorted your history from oldest to newest.   This can happen by clicking a heading in online banking.  If you want the page to revert back to original, simply click 'overview' and then open your history again.  This will restore the default view of newest to oldest transactions.

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Go to Online Activity, where you will see options of Approve, Draft, Cancel at top of page.  Choose 'Approve' to complete the transaction.  In addition, you can always check the status of any transaction created online by going to Online Activity.  To view all transactions, simply click drop-down box next to Transaction Status and change to 'All' and hit 'Submit' button.

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Simply add the extra principal amount to the 'Total Transfer' field.  Any amount over the normal principal/interest payment amoutn will automatically be posted to principal.  For example, if your normal payment of principal/interest is $200 and you wish to add $100 more to principal, enter $300 in the 'Total Transfer' field.  

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If you wish to make a payment to principal outside of your normal payment cycle, enter the amount of principal to both the 'Total Transfer' and 'Extra Principal' fields.  These amounts must match in order to be processed.

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We offer secure email as means for you to encrypt and secure your electronic communications with us. By itself, Internet email is not a secure communications channel. Messages sent via standard Internet email travel in "plain text" and cross many networks before reaching their final destination. Like a postcard, the opportunity exists for prying eyes to eavesdrop on email messages as they traverse these various networks. Since confidentiality cannot be guaranteed, standard Internet email should not be used to exchange sensitive or private information such as social security numbers, bank account numbers, financial statements, etc.

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At Horizon, we are committed to the security of the confidential information you share with us.

Unencrypted (or basic) electronic mail is not at all secure.

Horizon will not communicate confidential information via basic email. For the safety of your confidential information, with the convenience of email, Horizon uses a secure email portal. A simple sign on to this portal allows two-way encrypted communication between you (the customer or partner) and us.

If you need to communicate any sensitive (financial or personal) information to us, the Secure E-mail Portal provides a web-based e-mail protection system that makes it easy for you to send, receive, read and reply to all of our encrypted communications with the same level of security the Bank utilizes.

The Secure Email Portal can be accessed from https://zixmessagecenter.com/s/login?b=accesshorizon 

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When Horizon sends you a secure email message, the message is sent to a secure data center where it will be held for you to retrieve. At the same time, a notification message is sent to you to inform you that a SecureMail message is waiting to be retrieved. The notification message will contain a link to a secure web site. Simply click on the link, log into the secure web site, and retrieve your message.

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To retrieve your secure email message from the SecureMessage Center.

1. Click the hyperlink in the email message:

a. Note: If your email program does not support active links, cut and paste the link into your browser.
 

2. The login page displays with your Email Address filled in.

3. If you've registered with our secure email system previously, enter your password.

<4. If this is the first time you've received a secure email from us, click the "click here" link to create an account:

a. Registration Page:

b. Enter a password that complies with the password rules shown, re-enter it, then enter a phrase that will remind you of the password. Please make a note of this password as you will need it to open future secure messages from us.

c. Click Submit Password.

5. The SecureMessage Center opens and displays your email message:

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The first time you use SecureMail, you will be prompted to create an account. Supply your email address and password to establish your account. You will use this password each time you log into SecureMail. A confirmation message will be sent to the email address you entered. You will need to click the link in the confirmation email to complete the account set up process. You can now begin using your SecureMail account.

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When Horizon Bank sends you a secure email message, you will receive a notification via standard Internet email. Click the link contained in the notification message to be taken to the login screen where you will be prompted to enter your email address and password that you established. Once logged in, you can read your SecureMail, download it to your computer, or send a secure reply message. As an additional security precaution, type the link address or Horizons primary Secure Email address into your browser address bar. https://zixmessagecenter.com/s/login?b=accesshorizon 

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To send a SecureMail message to Horizon Bank, click on any SecureMail link on the web site. You will be taken to the login screen where you will be prompted to enter your email address and password that you established. Once logged in, you can create a new SecureMail message by clicking on the <">"Compose" tab.

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Please make sure your password meets any two of the following three conditions: 

• Contains both alphabetic and number characters 
• Contains both uppercase and lower characters
• Contains at least one special character, such as ~!@#$%^&

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After three unsuccessful sign in attempts, you will be locked out of your account for 30 minutes. If you become locked out of your account, you will be sent a notification email message to the email Inbox of the email address you entered, while signing in, if it is a registered email address. 

The email sent to you contains information on how to change your password and unlock your account. You can always click the Change your password link on the Sign In page to change your password at any time. 

If you need additional assistance, please contact us at emailsupport@horizonbank.com.

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Visit http://www.zixcorp.com/products/zixmail/ for more information.

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Although not yet formatted for the smaller screen size, access from smart phones does work.

Today ZixCorp officially supports:

* BlackBerry® version 4.2 or higher
* SmartPhones running Windows® Mobile 5.0 or higher
* Apple® iPhone® version 3.0 or higher
 

Other mobile devices, such as iPad and Android, typically work – it’s just that they have not officially tested those devices.

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Individual Retirement Accounts (IRAs) are designed to help you plan for your retirement. They are technically a type of savings plan, but designed to offer significant tax benefits that save you the most money for when you're ready to retire.

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Horizon Bank has a variety of options to work around or supplement employer-sponsored plans. We often find that you can save additional money in conjunction with these plans, and together we can figure out exactly how much more you can save.

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Our Special Needs Trust and Supplemental Needs Trust are often established for individuals with physical or mental developmental challenges, individuals disabled due to accident, and elderly individuals.

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The Horizon Bank Special Needs Trust and Supplemental Needs Trust have been designed with an understanding that your beneficiaries may have unique situations where a normal trust could compromise their ability to get the government support they need. With these trusts, we ensure that the assets provided to your beneficiaries through your trust will not prevent them from being eligible for critical benefit programs like Medicaid.

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Spendthrift trusts are designed to ensure that our Horizon Bank expert advisors will manage your trusts effectively should you believe that your beneficiaries would not be able to fulfill your wishes. Through this trust, you will be able to supplement the financial needs of your loved ones without relinquishing full control over all funds. This way, you can ensure that those you care about will get the support they need while ensuring the stability of your trust for the future.

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Your Horizon Bank trust advisor will work with you to determine restrictions regarding the distribution of trust funds. You will also be able to set up a requirement that certain beneficiaries must provide proof of external income before they are eligible to receive the distributions you have stipulated.

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When you call this service for the first time, you will be prompted to establish a 4-digit security code that will enable you to access the service during future calls.

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Horizon's Telephone Banking offers access to a suite of Horizon Bank services, but if you would prefer to speak to a representative to assist you, press zero (0) at any time during the call.

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Click here to view a list of the telephone menu options.

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Yes, within online banking you have the option to setup external transfers.  Go to Services then "My external accounts".

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Your completely free financial planning meeting is designed to help us assess your personal goals for you and your family, working towards the creation of a financial plan that meets those objectives. Over the course of the development of your all-encompassing financial plan, we will work with legal counsel and tax accountants to discovery every opportunity available to you to expand your wealth, while minimizing risk so that you are able to provide for generations to come.

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The goal of our initial consultation meeting will be to understand your current financial situation and financial aspirations, so that we are able to determine the best wealth creation strategy to help you reach your goals. Some questions we might ask are:

• What is the current state of your existing financial preparations for retirement?
• How does your investment portfolio currently address your needs, and does it provide the growth opportunities you are looking for while minimizing risk?
• What special assets are available to you that we can manage and leverage for maximum long-term financial benefit?

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