Business checking that works as hard as you do.
From free checking for startups to full commercial accounts for high-volume operations — Horizon Bank has the right account for your business.
No Hidden Fees
Transparent pricing
Free Checking
For most businesses
Mobile Banking
Bank anywhere
Personal Service
Know your banker
Choose the right account for your business.
Completely Free Business Checking
Perfect for most businessesOur most popular business checking account — designed for small businesses, startups, and sole proprietors who want straightforward banking without the fees. Get everything you need to manage your business finances with zero monthly costs.
- 1,000 FREE monthly transaction items
- No minimum balance required
- No monthly service charge
- Free online and mobile banking
- Free business debit card
- Free direct deposit setup
No monthly service charge — ever
Small businesses, startups, sole proprietors, and freelancers who want a no-cost checking account with all the essentials for day-to-day banking.
Business Interest Checking
Earn while you bankPut your business deposits to work. This interest-bearing account is ideal for qualifying sole proprietorships and not-for-profit organizations that maintain moderate balances and want to earn competitive interest on their funds.
- Competitive interest on balances
- 1,000 FREE monthly transaction items
- Only $1,500 minimum balance to waive monthly fee
- Low $6 monthly fee if balance falls below minimum
- Free online and mobile banking
- Ideal for sole proprietorships & nonprofits
Waived with $1,500 minimum balance
Qualifying sole proprietorships, not-for-profit organizations, and businesses that maintain steady balances and want their deposits earning competitive interest.
Commercial Business Checking
Built for high-volume operationsDesigned for businesses with higher transaction volumes and more complex banking needs. An earnings credit allowance on your deposit balances can offset activity fees, making this account cost-effective for active commercial operations.
- Earnings credit allowance on deposit balances may offset activity fee
- Transaction items at just 12 cents each
- Only $15 monthly service charge
- Full commercial online banking suite
- Dedicated business banking support
Earnings credit may offset fees
Established businesses with high transaction volumes, retail operations handling cash and coin, and companies needing advanced treasury management features.
Quick comparison.
| Feature | Completely Free Business Popular | Business Interest | Commercial Business |
|---|---|---|---|
| Monthly Fee | $0 | $6* | $15 |
| Minimum Balance | None | $1,500 | Varies |
| Free Transactions | 1,000/mo | 1,000/mo | Per item pricing |
| Earns Interest | — | — | |
| Online Banking | |||
| Mobile Deposit | |||
| Business Debit Card | |||
| Earnings Credit | — | — |
* $6 monthly fee waived with $1,500 minimum balance.
Digital tools built for business.
Business Debit Cards
Convenient access to your business funds for everyday purchases and ATM withdrawals nationwide.
Secure File Exchange
Send and receive sensitive documents securely with Horizon Bank through encrypted messaging.
Remote Deposit Capture
Make deposits from your office without a trip to the bank -- save time and stay focused on your business.
ACH & Direct Deposit
Streamline payroll and vendor payments with ACH services and direct deposit capabilities.
Commercial Online Banking
Full account management including statement retrieval, online transfers, and expense categorization.
Merchant Services
Accept debit and credit card transactions from your customers with competitive processing rates.
Commercial Online Banking Includes
Full-featured digital banking for managing your business accounts
Digital Wallet
- Forget your wallet? Use Apple Pay, Samsung Pay & Google Pay
- Tap to Pay
- Don't worry about skimmers — tap is the safest option
Why businesses choose Horizon Bank.
Local Decision-Making
Your banker knows your business. Decisions are made right here in Nebraska by people who understand your market.
Fast Account Setup
Walk into any branch and walk out with a fully set up business account. No waiting, no distant approvals.
FDIC Insured
Your deposits are protected by the full faith and credit of the United States government through FDIC insurance.
Dedicated Support
When you call, a real person answers. Our team is here to help with any questions about your account.
Modern Technology
Mobile banking, online transfers, electronic statements — all the digital tools you need with the personal touch you want.
Community Forward
As a family-owned bank, we invest in the communities we serve. Your banking supports local Nebraska.
Ready to open your business checking account?
Visit any of our five branches across Nebraska communities or give us a call. We'll help you choose the right account and get you set up the same day.
APY Disclosure: Annual Percentage Yield (APY) on Business Interest Checking is accurate as of the date of inquiry. APY may change after account opening. Fees may reduce earnings. Minimum balance requirements may apply. Contact a Horizon Bank representative for current rates.
Member FDIC. Deposits at Horizon Bank are insured by the Federal Deposit Insurance Corporation (FDIC) up to the maximum amount allowed by law. NMLS# 473217.
Account terms and conditions are subject to change. See the Horizon Bank Fee Schedule and Account Agreement for complete details. Available at any branch or upon request.