Checking accounts that fit your life.
From completely free checking to interest-earning options — Horizon Bank has the right account for you. No hidden fees, no surprises.
No Hidden Fees
Transparent pricing
Interest Options
Earn on your balance
Mobile Banking
Bank anywhere
Personal Service
Know your banker
Choose the right account for you.
Completely Free Checking
A free account for everyoneThe simplest way to bank. No fees, no minimums, no catches. Just a straightforward checking account with all the essentials — perfect for anyone who wants hassle-free banking.
- No minimum balance required
- No monthly service charge
- No per check charge
- Free online and mobile banking
- Free direct deposit setup
No monthly service charge — ever
Anyone who wants a simple, no-cost checking account without the fine print. Great for students, first-time account holders, and anyone who values simplicity.
E-Z Free Interest Checking
Earn interest with direct depositGet the best of both worlds — earn competitive interest on your checking balance while enjoying all the convenience of direct deposit or automatic payments. No minimum balance, no monthly fees.
- Competitive interest on your balance
- No minimum balance required
- No monthly service charge
- No per check charge
- Requires direct deposit or automatic payment
- Free online and mobile banking
Free with direct deposit or auto payment
Working professionals and families with direct deposit who want their everyday checking balance earning interest without any extra effort or fees.
FAB 50 Free Interest Checking
Free for customers 50 and overDesigned exclusively for customers 50 and over. Enjoy competitive interest, no fees, and no minimums — because you've earned it. All the perks of interest checking with none of the costs.
- Competitive interest on your balance
- No minimum balance required
- No monthly service charge
- No per check charge
- Exclusive for customers age 50+
- Free online and mobile banking
Free for customers age 50+
Customers age 50 and over who want to earn interest on their checking balance with absolutely no fees, no minimums, and no hassle.
Prestige Interest Checking
For those who want to earn moreOur premium personal checking account — earn a higher interest rate when you maintain a balance of $1,500 or more. Even if your balance dips below the minimum, you'll still earn competitive interest.
- Higher interest rate with $1,500+ balance
- Competitive interest even below minimum
- Only $6 monthly fee if balance falls below $1,500
- No per check charge
- Free online and mobile banking
Waived with $1,500 minimum balance
Individuals who maintain higher checking balances and want to maximize their interest earnings. Ideal for savers who prefer to keep funds accessible.
Quick comparison.
| Feature | Completely Free | E-Z Interest Popular | FAB 50 | Prestige |
|---|---|---|---|---|
| Monthly Fee | $0 | $0 | $0 | $6* |
| Minimum Balance | None | None | None | $1,500 |
| Earns Interest | — | |||
| Age Requirement | None | None | 50+ | None |
| Direct Deposit Req. | — | — | — | |
| Online Banking | ||||
| Mobile Deposit | ||||
| Free Debit Card | ||||
| Swipe & Save |
* $6 monthly fee waived with $1,500 minimum balance.
Every checking account includes:
Free Debit Card
Everyday access to your funds at any ATM in the world and the convenience of making purchases without writing a check.
Direct Deposit & Auto Pay
Save time with convenient direct deposit or automatic payments. They take the hassle out of depositing paychecks or paying recurring bills.
Free Online Banking & Bill Pay
Simplify your life — manage accounts, pay bills, and transfer funds with the click of a button.
Free eStatements
Eliminate paper waste and enjoy secure online access to current and past statements by opting for electronic delivery.
Swipe & Save
Watch your savings grow! Rounds up your debit card purchases to the next dollar and puts the excess into your savings account.
Mobile Banking
Know your balances, transfer funds, and deposit checks — whenever and wherever you are, even from your laptop or tablet.
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
Ready to open your checking account?
Visit any of our five branches across four 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) 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.