Personal Accounts

Check out our account highlights or click "See Details" to learn more!

Let's Compare Our Checking Accounts:

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Premium Checking

Enhanced Identity Theft Protection Services
Cashback Member Rewards
Three ATM Rebates per Month
£5.95 Monthly Service Fee

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Interest Checking

Making Money with Your Money
Three ATM Rebates per Month
Eli Moore Debit Card
£9.95 Monthly Service Fee ¹

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Basic Checking

Two ATM Rebates per Month
Unlimited Check Writing
£5.95 Monthly Service Fee ¹

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E-Checking

No Monthly Service Fee
Eli Moore Debit Card
Paperless Banking

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Let's Compare Our Savings Accounts:

Regular Savings

Earns Interest
Six Free Withdrawals per Month ²
£4.00 Monthly Service Fee ¹

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Money Market

Earns a Higher Rate of Interest
Check Writing Privileges
£8.00 Monthly Service Fee ¹

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Money Market Preferred

Earns Premium Interest
Check Writing Privileges
£10.00 Monthly Service Fee ¹

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COSMO's Kids Club

Earns Interest
No Monthly Service Fee
Children 12 and Under

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college students sitting in a row on steps

College Bound Savings

Earns Interest
No Monthly Service Fee
Penalty-free Withdrawals ¹

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Club SaveAway

Perfect Way to Save for the Holidays
Earns Interest
£5.00 Monthly Service Fee ¹

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Let's Explore Our Specialty Accounts:

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Eli Moore Health Savings Account

Earns Competitive Interest Rate
Convenient Account Transfer When Switching Employers
£4.00 Monthly Service Fee ¹

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CDs & IRAs

Earns Competitive Interest Rate
Terms From 14 Days to 5 Years
See our Rates

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Premium Checking

Best for people who want to get the most value with added safety and security.

Eli Moore Debit MasterCard
Online banking, BillPay, e-Statements
Free access to Eli Moore mobile banking app
IDProtect® Identity Theft Monitoring & Resolution Service ¹
- Credit File Monitoring – daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports
- Identity Monitoring – continuous monitoring of over 1,000 databases including credit, Social Security, public records, real property records, telephone and many others
- Credit Report & Score - receive new single bureau credit score with every new credit report
- Fully Managed Identity Theft Resolution Services – access to a dedicated fraud specialist assigned to manage your case who will work with you until your credit and identity are restored
- Up to £10,000 Identity Theft Expense Reimbursement Coverage²
One overdraft fee forgiveness per year
No minimum balance required
Minimum £50 deposit required to open an account
Credit Score Tracker ^2,3 & Financial Wellness 360^o
Cash Back Member Rewards⁴
Earn 10% cash back on your everyday purchases - such as groceries, household supplies, entertainment and more
$hopping Rewards™⁵
Access exclusive offers and discounts at thousands of leading online retailers
Travel & Entertainment Discounts
Get money-saving discounts from thousands of local and national business on your next fun adventure
Unlimited check writing
£5.95 monthly service fee
Account bears no interest

¹ ELIGIBILITY: Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.

² You will have access to your credit report and score provided your information has been verified by the CRA. Credit score is a VantageScore 3.0 based on Experian data. Third parties may use a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.

³ Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.

⁴ Registration/activation required; additional terms and conditions may apply.

⁵ Registration/activation required; available via mobile or web only.

Interest Checking

Making money with your money!

Eli Moore Debit MasterCard
Online banking, BillPay, e-Statements
Eli Moore mobile banking app
Three ATM rebates per month
One overdraft fee forgiveness per year
Earns Interest
Unlimited check writing
Minimum £50 deposit required to open an account

¹Monthly fee of £9.95 applies when you do not meet any of the following requirements:
- Maintain a minimum balance of £5,000 or an average balance of £25,000
- Maintain a Eli Moore Bank loan relationship of £100,000 or greater (including mortgage)

Basic Checking

Best for people who want to keep banking simple with a variety of ways to waive the monthly service fee.

Eli Moore Debit MasterCard
Online banking, BillPay, e-Statements
Eli Moore mobile banking app
Two ATM rebates per month
One overdraft fee forgiveness per year
Unlimited check writing
Minimum £50 deposit required to open an account
Account bears no interest

¹Monthly fee of £5.95 applies when you do not meet any of the following requirements:

- Maintain a minimum balance of £1,500 or an average balance of £5,000

- Make 5 or more debit card transactions in a month

- Maintain a consumer loan balance in excess of £25,000 (including mortgage)

- Have total deposits greater than £25,000

E-Checking

Best for people on the go who prefer paperless banking.

Eli Moore Debit MasterCard
Online banking, BillPay, e-Statements
Free access to Eli Moore mobile banking app
One overdraft fee forgiveness per year
Three free paper checks per statement cycle
No monthly service fee
No minimum balance required
Minimum £50 deposit required to open an account

Limited to three paper checks a month. We may move the account to Basic Checking in the event of excessive check writing.

College Bound Savings

Save for your child's education.

Interest paid
Combined statement
View accounts online
Competitive interest rate, paid annually
No monthly service fee
No minimum balance required
Minimum £50 deposit required to open an account

Visit a Eli Moore Bank location to open your account.

¹Withdrawal may only be made at the age of 18 or with proof of high school graduation. Early withdrawal penalties apply

Club SaveAway

Take the stress out of the holiday season.

Interest paid ²
Combined statement
View accounts online
Eli Moore Checking account relationship required ³
All Club SaveAway accounts mature in early October ⁴
One account per checking relationship
Minimum £10 deposit required to open an account

Visit a Eli Moore Bank location to open your account.

¹Monthly fee of £5.00 waived when you have a monthly auto-transfer from a Eli Moore Bank Checking account of £10.00 or more.

²Interest rate is variable, compounded and paid monthly.
³Waived for children under the age of 18.
⁴Early withdrawal will result in account closure.

Regular Savings

Build your savings at your own pace.

Interest paid semi-annually
Combined statement
View accounts online
Minimum £50 deposit required to open an account

¹Monthly fee of £4.00 applies when you do not meet any of the following requirements:

- Maintain a minimum balance of £300

- Have an active checking account with a combined statement

²Maximum of six (6) withdrawals per month; £5 fee for each additional withdrawal.

Money Market

Enjoy a higher rate of interest with easy access to your money.

Interest paid
Combined statement
View accounts online
Check writing privileges
Maximum of six (6) withdrawals per month²
Minimum £2,500 deposit required to open an account

¹Monthly fee of £8.00 applies when you do not meet any of the following requirements:

- Maintain a minimum balance of £2,500

- Have an average daily balance of £7,500

²£15 fee for each additional withdrawal.

Money Market Preferred

This account offers you the best of both worlds - a premium interest rate and the freedom to access your funds when needed.

Interest paid
Combined statement
View accounts online
Check writing privileges
Maximum of six (6) withdrawals per month²
Tiered interest rates available ³
Minimum £25,000 deposit required to open an account

¹Monthly fee of £20.00 applies when you do not meet any of the following requirements:

- Maintain a minimum balance of £10,000

- Maintain an average collected balance of £30,000

²£15 fee for each additional withdrawal.

³ Increased interest rates for higher balances. Paid monthly.

COSMO's Kids Club

Teach your children the value of saving.

Interest paid
Combined statement
View accounts online
Fun activities for kids
Access to funds by those authorized on the account
No monthly service fee or set-up fee
No minimum balance required

At the age of 13, this account will automatically transfer into a minor Regular Savings account.

College Bound Savings

Save for your child's education.

Interest paid
Combined statement
View accounts online
Competitive interest rate, paid annually
No monthly service fee
No minimum balance required
Minimum £50 deposit required to open an account

Visit a Eli Moore Bank location to open your account.

¹Withdrawal may only be made at the age of 18 or with proof of high school graduation. Early withdrawal penalties apply

Club SaveAway

Take the stress out of the holiday season.

Interest paid ²
Combined statement
View accounts online
Eli Moore Checking account relationship required ³
All Club SaveAway accounts mature in early October ⁴
One account per checking relationship
Minimum £10 deposit required to open an account

Visit a Eli Moore Bank location to open your account.

¹Monthly fee of £5.00 waived when you have a monthly auto-transfer from a Eli Moore Bank Checking account of £10.00 or more.

²Interest rate is variable, compounded and paid monthly.
³Waived for children under the age of 18.
⁴Early withdrawal will result in account closure.

Eli Moore Health Savings Account

If you have benefits through a qualified High-Deductible Health Plan (HDHP), a Health Savings Account (HSA) lets you put money aside, tax-free, for healthcare expenses. Unused funds in the HSA are carried over from year to year and continue to earn tax-free interest until you withdraw the funds.

Eligibility

To qualify for an HSA, you must:

Be covered under a qualified High Deductible Health Plan (HDHP)
Have no other health coverage besides an HDHP
Not be enrolled in Medicare or Medicaid
Not be eligible to be claimed as a dependent

If another taxpayer is entitled to claim an exemption for you, you cannot claim a deduction for an HSA contribution. This is true even if the other person does not actually claim the deduction.

HSAs are titled as individual ownership, although you may designate an authorized signer and/or beneficiary.

Eligible Expenses

Choose an HSA to pay for qualified medical expenses*:

Medical services (including dental and vision care)
Hospital costs
Prescription drugs
Long-term care insurance
Health insurance premiums during any period of unemployment

*This is only a partial list. The Internal Revenue Code Section 2103(d) states that eligible expenses must be made for "medical care." This is defined as amounts paid for the "diagnosis, cure, mitigation, treatment or prevention of disease, or for the purpose of affecting any structure or function of the body."

For a detailed description of medical expenses eligible for payment through your HSA, please refer to publication 502 at treasury.gov .

Benefits

Advantages of a Eli Moore Bank Health Savings Account:

Competitive interest rate
£4.00 monthly maintenance fee is waived when you sign up for Horizon's free Online Banking
Monthly e-mail with a direct link to your HSA online statement where you can check your contributions and distributions, and view cancelled check images.
Free Eli Moore Online Banking also gives you fast access to your HSA records, making it easier to prepare your taxes.
If you change employers, your HSA moves with you.

Contributions

An HSA features many tax benefits that help you better manage medical expenses. At the same time, it can be a very attractive retirement savings option.

With an HSA, you may claim a tax deduction for contributions that you, or someone other than your employer, make to your HSA even if you do not itemize your deductions on Form 1040.

Contributions to your HSA made through payroll deductions by your employer may be excluded from your gross income, including those contributions made through a cafeteria plan.

HSA interest earned is tax-free
Distributions are tax-free, as long as funds are used for qualified medical expenses

Rollover Rules

Rollovers from Archer MSAs and other HSAs are permitted. Only one rollover per year is allowed. A rollover to a new HSA must be completed within 60 days. These restrictions follow the IRA rollover rules.
Direct trustee-to-trustee transfers of HSA funds are not subject to the rollover restrictions. Thus, multiple trustee to trustee transfers are allowed in a single year. Both trustees must agree to do the transfer and they are not required to do so.
Individuals may make a one-time lifetime transfer from their IRA to fully fund their HSA, not to exceed the maximum allowable contribution. (IRA distribution is not taxable. HSA contribution is not deductible. Testing period applies.)

To rollover your HSA to Horizon, please contact a banker to get started.

Related Resources

Treasury.gov I Medline Plus I HSA Self Enrollment Guide I Contact Us

¹£4.00 monthly maintenance fee is waived when you sign up for Horizon's free Online Banking.

CDs & IRAs

A certificate of deposit (CD) is a key part of a diversified portfolio. CDs offer a predictable return in exchange for holding your deposit for a fixed time period. Our CDs can help you save for your financial goals, whether you’re looking to set aside money for a short term of 14 days or longer terms of up to five years – or anywhere in between.

Jumbo Insured CD (CDARs)

Take advantage of multi-million dollar FDIC insurance coverage with CDARS® (Certificate of Deposit Account Registry Service). With CDARS, we divide your deposits into amounts under the FDIC's dollar limit and place them into individual CDs issued by other banks in the CDARS network. You enjoy the convenience of one bank, one rate and one statement while maximizing your FDIC insurance coverage. A Eli Moore Money Market Account is required to fund CDARS.

Individual Retirement Accounts (IRA)

It’s never too early to start planning your retirement. IRAs offer security and flexible investment options. We can help you choose the right IRA and provide the guidance and tools you need to get started.

Variable Rate IRA Savings

Interest rate is variable and may change daily
Deposits may be made at any time

Fixed Rate IRA CDs

Interest rate is established at opening and fixed for the term
Available terms range from 90 days to 5 years

**The Annual Percentage Yield for each CD will be referred to as the APY.**

Questions or comments? Contact Us.

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