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With the world constantly on the move, it has become ever more important to have access to your money while you're on-the-go. The Horizon app provides banking at your fingertips and is available for both Apple and Android. It provides customers with real time access to accounts and branch information  – anytime, anywhere.   Horizon Bank App features Access to account information Transfer to & from accounts Pay bills Transfer funds via Osko® Activate cards Lock and unlock cards A few things to remember Don’t keep your Member Number and Password with your mobile device. Make sure you logout when you’re finished with mobile banking. Get in touch with Horizon Bank immediately, if you’ve lost your mobile device or feel that someone may know your login details. Horizon Bank has a branch network spanning the NSW South Coast and Illawarra. Horizon Bank branch locations: Albion Park, Bega, Bermagui, Berry, Merimbula, Moruya, Nowra, Thirroul, Ulladulla & Wollongong.

Not all banks were created equal. Which is why it’s important to know what banking services are offered so that you can decide on what is best for you based on your own personal finance needs. As a customer-owned bank, we have a range of banking services available for our members accompanied by personalised customer service to support those in our community. In this post, we highlight the key banking services we offer. Internet Banking Horizon Bank offers the latest online banking services for members. It is easy to register for Online Banking, not to mention free! Apply online or by phoning your local branch. You’ll be setup and can then log in with your member number and your own password. The best way to access online banking is from a desktop computer, however you can still log in using a tablet or iPad. We understand that our members need banking services that are flexible and accessible especially given the events of 2020. Manage your loans and accounts all in one place. If you need assistance, you can always contact us during business hours for help and support. Insurance We're pleased to offer our customers a range of insurances through CGU. Each insurance product provides a range of features with competitive premiums. The insurance products on offer include Home & Contents insurance, Motor Vehicle insurance, Farm insurance, Business and Commercial insurance, Caravan insurance, Boat insurance, Landlords insurance and Travel Insurance. We pride ourselves on offering our members a range of insurances all in one place. That is why you can also purchase a CTP Green Slip through QBE from us. We can provide quotes on insurance over the phone or in person at your local branch. Alternatively, get in touch with us online about an insurance quote. Loans At Horizon Bank, we have a range of loans including: Owner Occupied Loans Investment Loans New Car Loans Used Car Loans Personal Loans A low rate credit card Overdraft facilities We offer fixed home loans and variable home loans and investment loans. Any loan application can be completed online. Our lenders at each branch are happy to walk you through your application over the phone and will assist you at each stage of your application. Of course, you can always walk into a branch and speak with a lending specialist if you prefer a face to face consultation. We offer competitive rates and have a range of loans to suit anyone no matter what life stage you’re at. Being a local bank means all of our business operations stay local. You won’t be waiting weeks for loan approval, we can provide approval within a week allowing you to move quickly on that dream property you’re after. Check out these google reviews about our home loans. Savings Accounts If you’re wondering which type of bank account is best, we have an extensive range of Savings Accounts, including the Reward Saver, Cash Management, Horizon Direct, Christmas Club, Business savings and more! We have savings accounts for our young members, for members aged 55 and over, as well as term deposits that anyone can open to lock away larger sums of money. All savings accounts can be viewed through our Online Banking and the Horizon Bank app. This gives our members greater convenience to manage money on the go. As a customer-owned bank, our services are here to help you experience a higher level of personal banking. Get in touch with us today regarding any questions you may have about how we can help you. Horizon Bank has a branch network spanning the NSW South Coast and Illawarra. Horizon Bank branch locations: Albion Park, Bega, Bermagui, Berry, Merimbula, Moruya, Nowra, Thirroul, Ulladulla & Wollongong. The content in this article has been prepared by Horizon Bank for general information only and it is not intended to be professional advice. It does not take into account your objectives, financial situation or needs. You should seek your own legal, accounting, financial or other professional advice where appropriate, and consider the relevant General Terms and Conditions before deciding whether to acquire any products or services offered by Horizon Bank and/or its affiliated partners. We do not recommend any third party products or services referred to in this article unless otherwise stated and we are not liable in relation to them. Any links to third party websites are for your information and we do not endorse any content on those sites. Horizon Credit Union Ltd ABN 66 087 650 173 AFSL and Australian Credit Licence Number 240573 trading as Horizon Bank.The advice on this web page is general advice only and does not take into account your individual objectives, financial situation or needs ('your personal circumstances'). Before using this advice to decide whether to purchase or hold this insurance policy, you should consider the appropriateness of it having regard to your personal circumstances. Horizon Bank ABN 66 087 650 173 acts under its own Australian Financial Services Licence (no. 240573) and under an agreement with the insurer, Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance (CGU). Backed by IAG. Insurance is issued by CGU. You can get a Product Disclosure Statement (PDS) for the products from any branch of Horizon Bank or CGU. You should consider the PDS in deciding whether to buy or hold the product.CTP Green Slip insurance (CTP) is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545) (QBE). Horizon Bank (ABN 66 087 650, AFSL 240573) is authorised to distribute CTP as an agent of QBE and is remunerated by QBE. Please read your CTP policy for further information before purchasing CTP. Horizon Bank does not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please consider the Product Disclosure Statement.

There have been many changes in the banking industry over the years. Technology has enabled real time access to services at your fingertips, anywhere and anytime. However, one thing it can’t replace is that personalised, in-person experience. As a customer-owned bank, we’ve been providing personalised banking solutions for our local NSW south coast communities since 1964. At Horizon Bank, it’s incredibly important that our members have a personalised banking experience on and offline; we provide this in the following ways… Providing personal banking solutions by investing in people We are committed to developing our staff, by providing ongoing learning and training to ensure our branch teams are up to date with the latest information on our financial products. Horizon Bank offers a range of savings accounts and transaction accounts and our staff are well versed to help you make an informed decision on which product would best suit your needs. To get started, view our range of everyday accounts.  A large part of consumer banking is the provision of loans. We have lending specialists available at all of our branches who can guide you through any loan application, whether it be for a home, investment property, credit card or vehicle. Their expertise will ensure your banking needs are looked after from application to funding. Face to face services Our team can assist members with their consumer banking needs in person as well as over the phone or video conference. We’re flexible in our approach to engaging with our members and recognise that people may be staying at home more due to COVID-19. Therefore any person who wishes to speak with a lender, but is unable to visit a branch can organise to have an online face to face meeting. As a customer owned bank with a strong community focus, our branches exist to serve our members. We have branches in locations across the Illawarra, Shoalhaven, Eurobodalla and Bega Valley including Thirroul, Wollongong, Albion Park, Nowra, Ulladulla, Moruya, Bermagui, Bega & Merimbula.   We also have an agency operating out of the Cobargo Co-operative where our regional Bega Valley members can make transactions. Our staff from Bermagui often visit the Co-operative on a monthly basis to provide the Cobargo community with information about Horizon Bank products and services. Benefits of being local Our branch team members are locals helping locals! They value and understand the needs of their community. The difference with a customer owned bank is that when you call or enter the branch, our staff know who you are and will likely greet you by name. Horizon Bank was forged from humble beginnings in 1964. What has always stayed the same is our commitment to ensuring we continuously provide the best possible member experience. When you call a Horizon branch, you’ll be talking directly to staff who are working there. Horizon Bank does not have any interstate or overseas call centres. You’ll always be talking directly with a branch staff member for your personal banking needs. Approachability & genuine care We don’t just talk the talk, we walk the walk! We genuinely care about our members and their needs and provide them with high-quality services. There are no pushy sales tactics at Horizon Bank. Members are only ever offered products and services that will enhance their personal banking and are in their best interests. We strive to be a trusted partner and welcome feedback from our members. This helps to make relevant decisions to continuously improve our products and services. Our bi-yearly member survey ensures we’re providing an open channel of member communication, to identify areas for improvement. Our approachability means our members can speak to us with confidence and know that we are here to support them. You’ll always be greeted with a friendly smile by a staff member of Horizon Bank. Our staff continuously go above and beyond for our members. Horizon Bank is committed to supporting local communities and businesses. If you would like to learn more about our personal banking services, get in touch with our friendly team today. We are here to help you with your banking needs. Horizon Bank has a branch network spanning the NSW South Coast and Illawarra. Horizon Bank branch locations: Albion Park, Bega, Bermagui, Berry, Merimbula, Moruya, Nowra, Thirroul, Ulladulla & Wollongong. The content in this article has been prepared by Horizon Bank for general information only and it is not intended to be professional advice. It does not take into account your objectives, financial situation or needs. You should seek your own legal, accounting, financial or other professional advice where appropriate, and consider the relevant General Terms and Conditions before deciding whether to acquire any products or services offered by Horizon Bank and/or its affiliated partners. We do not recommend any third party products or services referred to in this article unless otherwise stated and we are not liable in relation to them. Any links to third party websites are for your information and we do not endorse any content on those sites. Horizon Credit Union Ltd ABN 66 087 650 173 AFSL and Australian Credit Licence Number 240573 trading as Horizon Bank.

Whilst many of us now own smartphones and computers, Online Banking can be an area that our members need support with when getting started. It provides the convenience to use banking services over the internet in a secure and safe way. There are many Online Banking benefits you can access as a member of Horizon Bank. In this blog post, we share the top ones. How do I set up Online Banking? Here's how you can enjoy easy setup and access Setting up Online Banking is free for Horizon Bank members. You can easily access Online Banking from any desktop, mobile or tablet device. When you open an account with us, our staff will offer you Online Banking access. At this point, you can register for Online Banking, or you can register at a time that suits you by filling out our online form. To access our Online Banking, select our green online banking button from the right hand side on our website homepage. When accessing Online Banking from a mobile or tablet device, you’ll be given two options: Mobile Banking and Desktop Banking. Mobile Banking – is a cut down version of Online Banking, designed to be compatible with your mobile device. You won’t be able to access the full suite of services offered within Online Banking. Desktop Banking – is the full version of Online Banking. However, you may find it hard to navigate your way around depending on the size of your device. Which option do I choose? If you have forgotten your Online Banking password, no problem! If you have a Horizon Bank Visa card, you’ll be able to reset your password by clicking ‘forgot password’ and completing the required fields. Otherwise, contact your local branch during business hours for assistance. 1. I’m using a desktop computer 2. I’m using an iPad or other tablet device 3. I’m using my phone Visit horizonbank.com.au and choose the green Online Banking button. You will be directed to Online Banking once you log in. Download the Horizon Bank app. OR Visit horizonbank.com.au and click on the green Online Banking button. Choose Mobile Banking for tasks like transferring money, using BPAY, managing payees and setting up or editing future payments. OR Choose Desktop Banking for the full suite of online banking services available. Note: your view may be affected depending on the size and age of your device. Contact your local branch if you require assistance.   Download the Horizon Bank app. Note: you will need to use a desktop computer or tablet device to access the full suite of online banking services available. Contact your local branch if you require assistance.   Banking services all in one place Once you register for Online Banking, you can enjoy many benefits. We’ve listed just some of them here: View balances on all of your accounts View your periodical payments Register for eStatements View the interest you've earned for the financial year Activate your Visa card from the Services & Help menu Transfer funds to and from accounts Transfer funds to accounts at other financial institutions Pay bills with BPAY Set up and alter future dated bill paying Download transactions Redraw on your loan (where applicable) Open a new Term Deposit or savings account. Below are the savings accounts available to open through Online Banking. For other accounts please contact us. S1 Redisavings – A general working account S2, S4, S5 – Special Purpose Savings accounts S6 Cash Management – An at call savings account with competitive interest rates for large balances S10 HorizonDirect – An online savings account Register for SMS Queries and SMS Alerts Register for SMS One Time Password for added security Make International transfers Please note, to increase your external transfer limit, please call your local branch for assistance. Access to real time payments We’re pleased to provide members with the option of transferring funds via Osko® to participating financial institutions. When you choose Osko when you’re transferring funds, the money is sent and received instantly. This service is available 24/7, 365 days a year. If you would prefer a standard bank transfer, this option is always available and is set as the default transfer option. For added convenience, you can transfer money to someone using their PayID. This can be in the form of an email address, mobile number, organisation ID or ABN. You can also create and manage your own PayID within our Online Banking. This can then be provided to anyone needing to transfer money to you, provided they use a participating financial institution. We don’t transfer you to an overseas branch or call centre As a customer-owned and local bank, all of our operations are based on the NSW South Coast. When you have questions about our Online Banking facilities or if you encounter any issues simply contact your local branch during business hours for help and support. You’ll always speak with a staff member at your local branch to help you find the right solution. Alternatively, read our Online Banking frequently asked questions. Horizon Bank is here to support our members and communities. If you’re looking for a safe and efficient way to access your personal banking online, get in touch with us today. As a local bank, we provide the support and information you need. Horizon Bank has a branch network spanning the NSW South Coast and Illawarra. Horizon Bank branch locations: Albion Park, Bega, Bermagui, Berry, Merimbula, Moruya, Nowra, Thirroul, Ulladulla & Wollongong. The content in this article has been prepared by Horizon Bank for general information only and it is not intended to be professional advice. It does not take into account your objectives, financial situation or needs. You should seek your own legal, accounting, financial or other professional advice where appropriate, and consider the relevant General Terms and Conditions before deciding whether to acquire any products or services offered by Horizon Bank and/or its affiliated partners. We do not recommend any third party products or services referred to in this article unless otherwise stated and we are not liable in relation to them. Any links to third party websites are for your information and we do not endorse any content on those sites. Horizon Credit Union Ltd ABN 66 087 650 173 AFSL and Australian Credit Licence Number 240573 trading as Horizon Bank.