A checking account with many great benefits!

Horizons FCU offers its members age 18 years and older (16 with parent/guardian) checking (also called share draft) accounts that have no monthly service charges, noper check charges, and no minimum balance requirement. In addition, one box of checks may be free every year if the member has their full pay directly deposited to Horizons.


  • NO Monthly Service Charges
  • NO Per Check Charges
  • NO Minimum Balance Required

*Please Note: At this time you are unable to order checks through this link without a new member account.  Click on the link to review all the new check options available.  Please contact the credit union at (607) 724-5876 to place your order or stop by one of our branches.  Members with direct deposit may be eligible for free checks.

Apply for a Horizons Checking Account

Print Application

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(607) 724-5876

On October 1, 2021, our operating systems will begin to merge. You will not be able to access your Horizons accounts online at the close of business Thursday, September 30, 2021 while we complete the system merge. All branches, including the Binghamton Main Street Branch, will be closed Friday, October 1, 2021 and Saturday, October 2, 2021. Beginning Monday, October 4, 2021 you will be able to register to access your account online and/or at any current branch location, as well as the Johnson City branch located at 760 Harry L Drive in Johnson City. Once registered, you can enjoy all the online benefits of Empower Federal Credit Union membership.