A checking account that meets you where you are
Horizon Checking is not a stripped-down placeholder. It is a full-feature Spending Account designed for members who have been turned away elsewhere, or who are recovering from past banking challenges. After 6 months of successfully managing the account, you can be upgraded to a Simple Spend Account.
A low opening bar and a fee you can plan for.
You can open Horizon Checking with $25. The $10 monthly service fee is predictable month to month, so you are not guessing which hoops you missed or which surprise charges posted overnight.
Real tools for real life.
Use your debit card in stores and online, add it to your favorite digital wallet, move money in the MyPelican app, and get alerts that help you stay on top of activity. You keep CO-OP Shared Branching network access, and the same member service Pelican is known for.
why bank with pelican
Checking that fits how you actually live
Seven debit card colors, yours to pick
Pelican issues solid-color Visa® debit designs, so you are not limited to one default look. Every card includes a chip for secure in-person purchases.
Pay with your phone, not just your card
Add your Pelican debit card to Apple Pay, Google Pay, or Samsung Pay for faster checkout in apps, online, and at the register.
MyPelican keeps full banking in one app
Check balances, move money, use mobile check deposit, pay bills, and send money with Zelle® without paying extra for basic digital access.
Real-time alerts you can tune to your life
Turn on notifications for purchases, deposits, and low balances so you spot what matters before it becomes a problem.
Early Bird Direct Deposit when payday hits
Eligible direct deposits may post up to one business day early, so you can cover bills and plans on your timeline.
Nationwide cash access through CO-OP
Use the CO-OP Shared Branching network when you are away from your usual branch or neighborhood. Make deposits, withdraw cash up to $2,000, make loan payments, and more!
When you are ready keep moving forward
Horizon Checking is a starting point. Build a positive history with Pelican to become eligible for other Spending Account types, including fee-free checking and rewards.
Every member can use Pelican's free credit counseling for budgeting, debt strategies, and building stronger habits. It pairs well with Horizon when you want coaching alongside your account.
Horizon Checking vs. Simple Spend
Key Features
Designed for second-chance or rebuilding needs
No monthly service fee
$10 monthly service fee
Open with $25 minimum deposit
No credit score requirement for Horizon at account opening
Standard membership and account eligibility apply
Debit card with digital wallet support
MyPelican digital banking
ATM access
When is this the right fit?
You need a fresh start after banking challenges or denials elsewhere
You want straightforward, fee-free everyday checking
Debit Cards
Pay With Personality
Pelican issues seven solid-color Visa® debit designs, so you are not stuck with one generic look. Pick your favorite when you open a Horizon Checking Account.
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available Account options
An account for every goal
When you open your account, you become an owner, not a line item on someone else's earnings report.
Explore Spending Accounts OptionsSpending Accounts
At Pelican, we call our checking accounts spending accounts because that's exactly what they're for: making it easy to spend, earn, and manage your money every day.
Explore Simple Spend OptionsSimple Spend
Checking made easy. No hoops to jump through, no monthly fees to worry about, get paid early with Early Bird Direct Deposit.
Explore Free Stack Checking & Savings Bundle OptionsFree Stack Checking & Savings Bundle
People who want to earn higher monthly dividends just for using their checking account!
Explore Free Cash Back & Stack Savings Bundle OptionsFree Cash Back & Stack Savings Bundle
Individuals looking to earn cash back as they make their everyday purchases.
Explore Horizon Checking OptionsHorizon Checking
A fresh start with any credit score. Open with $25 and a $10 monthly fee.
