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Get Started with Your Account

Take a minute and set up your account to do the most for you and your money.

Set up your account.

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    Enroll in Online Banking

    Once you enroll, you’ll be able to access and manage your account anywhere, anytime.

    Are you new to online banking? 
    Learn more here. 

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    Download our Mobile App

    Make banking on the go an everyday convenience from the palm of your hand. Download our easy-to-use app and see for yourself. 

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    Enroll in eStatements

    Enroll in eStatements and securely store, view, and print electronic copies of your statements.



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    Setup Direct Deposit

    Enjoy payday without a trip to the bank!  Access your checks quicker with Direct Deposit.
    Fill out our Direct Deposit form to get started.  

Add money to your account. 

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Transfer Money Easily

Link an external account to your Horizon deposit account and move money between accounts.

Mobile Check Deposit

Enroll in mobile check deposit in online banking and use our mobile app to deposit checks.

Direct Deposit

Download and print this form to instruct your employer to make direct deposits to your Horizon Bank deposit account.

Ways to access your money.

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    Use your Debit Card
    Make payments easily while getting rewarded for using your Horizon Debit card.
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    Digital Wallet
    Link your debit card to your phone using Apple Pay, Google Pay or Samsung Pay® 
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    Send money to people you know with Zelle® in the Horizon Bank Mobile app.

Protect your Account.

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    Monitor your account with Alerts

    Setting up alerts within online banking is an easy way to stay on top of changes to your account such as account balances, bill payment transactions, and security alerts. 

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    Monitor your credit score with CreditAdvisor

    CreditAdvisor is a free and convenient way to monitor your credit and help you detect fraud sooner and protect your score. 

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    You are protected against debit card fraud

    Enfact is a free fraud-monitoring tool that is already connected to your account. You will receive texts or calls anytime suspicious activity is detected on your card. 

Need checks?

Order Checks

Sometimes you just need a good old fashioned paper check. Order online whenever you need them.

Order checks online

Get Cashier’s Checks

Need a safe, secure way to make a large payment? As a Horizon checking customer, simply visit your local branch to pick one up.

Visit branch

Sensible Advice

Five Ways to Boost Your Credit Score Starting Now

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Being denied a loan for a home or a car can feel like a punch in the gut. But no matter why you don’t qualify for the best APR, or how long your credit has been less than ideal, all is not lost.

There are strategies you can use to begin building your credit back up. Yes, it may require some time and lots of patience on your part, but you won’t regret the effort. Here are a few suggestions to bump up your credit starting now.

Do These to Build Better Credit and Enjoy Lower Rates

Get your credit report.

Knowledge really is power. You are entitled to a free credit report and score any time you like through Credit Advisor. Pulling your own credit information — which is like a report card for how you handle money — won’t impact your score. It’s also a good idea to request one report from a different bureau (Experian, Equifax, and TransUnion) every four months so you can make sure there are no errors showing up on individual reports. Get these for free at

If you see anything on a report that’s not correct, report it. About 20% of all credit reports have mistakes, so you need to scour the document to ensure everything is accurate. A mistake could mean a lower score, even if you did nothing wrong. As the global pandemic led to job losses and other financial hardships, the Federal Trade Commission has noted an increase in credit report errors reported by consumers.

Automate your payments to avoid late fees (and a lower credit score).

Your credit score is largely based on your payment history, counting for about 40%. Scores range from 300 to 850, with higher being better. Even one late payment on a credit card can lower your score by as much as 100 points. That’s huge. And that’s why it’s so important to pay your bills on time, or even early, every single due date.

One way to do this is to use online banking and set up automatic payments. Set up electronic calendar reminders on your smartphone, tablet, or laptop to help nudge you to pay your bills a day or so early. If you are old-school, put a big red dot on the paper calendar in your kitchen or office, tape a note to your bathroom mirror or find some other clever way to remember.

Pay down debt, then stay low.

Lenders don’t want to see sky-high balances on their credit cards. That means paying down balances if you’re carrying them — and then refrain from maxing out your cards if you can help it. Owing more than 30% of your credit limit can be a red flag to those in the money-lending business. You should instead aim to use between 10% and 30% of the total credit you have.

Use your credit or lose it.

If you stop using a credit card for six months or longer, your credit card issuer could cancel the account, and that could hurt your credit score. If it was the card you held for the longest period of time, that’ll hurt your score more, because the longer your relationship with your lender, the better it is for your score. To keep an unused card current, make a small purchase once a month then immediately pay the bill.

Monitor your credit score

A good credit score may mean you have easier access to more credit, and at lower interest rates. The consumer benefits of a good credit score go beyond the obvious. For example, underwriting processes that use credit scores allow consumers to obtain credit much more quickly than in the past. 

Horizon offers customers a great tool to stay on top of your credit report called CreditAdvisor. All customers with Online Banking can enroll for free from the menu of your online account. Your credit score will automatically update every 7 days, or you can click ‘Refresh Score’ to update your report every 24-hours. Enroll for free today!

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