Horizon Financial Bank

Headquarters: Munich, North Dakota
Charter: Bank
Assets: $201.0M
Fed district: Minneapolis

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 10, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Horizon Financial Bank: $30
Horizon Financial Bank: $30
U.S. median: no median
NSF / Returned Item
Horizon Financial Bank: $30
Horizon Financial Bank: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Horizon Financial Bank: $20
Horizon Financial Bank: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Dakota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
North Dakota: Banks and credit unions headquartered in North Dakota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Horizon Financial Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Closing (if account is closed within 3 months of opening)$30
Dormant Accounts: Laminating (per sheet)$1
per item
Account Research per hour ($12.50 minimum, Copies & Postage Extra)$25
Not compared: Charged per hour; comparison unavailable
per hour
Checkbook Reconciliation per hour ($12.50 minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee$30
Non-sufficient Funds Fee (per item, per occurrence)$30
per item
Continuous Overdraft Fee per business day (after 7 consecutive business days overdrawn)$5
per day

ATM & Card

ATM Card Replacements$10
Card Rush Orders$50

Wire Transfers

Money Wires In/Out: Domestic$20
Money Wires In/Out: International$75

Check Services

Cashier’s Checks$5
Money Orders$3
Stop Payment$30
Counter Checks (per sheet of 4)$1
per item
Check Cashing ($6.00 minimum, no maximum)$2
Enlarged Check Images (larger than 18 items per page, per statement, per month)$5
Not compared: Monthly charge, not per item
per month

Cash & Deposit

Coin Counting/Exchange5%

Account Services

Notary Services$5
Notary ServicesNo charge
10” x 10” (annually)$100
per year
3” x 10” (annually)$30
per year
3” x 5” (annually)$15
per year
5” x 10” (annually)$50
per year
Drill Outs ( 3rd party charges additional)$25
Not compared: Box drilling or key fee
Extension Door Lost Key Fee (3rd party charges additional)$50
Not compared: Box drilling or key fee
Key Replacement/Duplicates$35
Not compared: Box drilling or key fee
Late Fee$10
Not compared: Box drilling or key fee
Levy/Garnishment (each)$25
per item

Other Fees

Duplicate Statements (per statement, per month)$5
Not compared: Monthly charge, not per item
per month
Photocopies: Color (per page)$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closing (if account is closed within 3 months of opening)	$30	Not stated	None
Dormant Accounts: Laminating (per sheet)	$1	per item	None
Account Research per hour ($12.50 minimum, Copies & Postage Extra)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Checkbook Reconciliation per hour ($12.50 minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fee	$30	Not stated	None
Non-sufficient Funds Fee (per item, per occurrence)	$30	per item	None
Continuous Overdraft Fee per business day (after 7 consecutive business days overdrawn)	$5	per day	None
ATM & Card
ATM Card Replacements	$10	Not stated	None
Card Rush Orders	$50	Not stated	None
Wire Transfers
Money Wires In/Out: Domestic	$20	Not stated	None
Money Wires In/Out: International	$75	Not stated	None
Check Services
Cashier’s Checks	$5	Not stated	None
Money Orders	$3	Not stated	None
Stop Payment	$30	Not stated	None
Counter Checks (per sheet of 4)	$1	per item	None
Check Cashing ($6.00 minimum, no maximum)	$2	Not stated	None
Enlarged Check Images (larger than 18 items per page, per statement, per month)	$5Not compared: Monthly charge, not per item	per month	None
Cash & Deposit
Coin Counting/Exchange	5%	Not stated	None
Account Services
Notary Services	$5	Not stated	None
Notary Services	No charge	Not stated	None
10” x 10” (annually)	$100	per year	None
3” x 10” (annually)	$30	per year	None
3” x 5” (annually)	$15	per year	None
5” x 10” (annually)	$50	per year	None
Drill Outs ( 3rd party charges additional)	$25Not compared: Box drilling or key fee	Not stated	None
Extension Door Lost Key Fee (3rd party charges additional)	$50Not compared: Box drilling or key fee	Not stated	None
Key Replacement/Duplicates	$35Not compared: Box drilling or key fee	Not stated	None
Late Fee	$10Not compared: Box drilling or key fee	Not stated	None
Levy/Garnishment (each)	$25	per item	None
Other Fees
Duplicate Statements (per statement, per month)	$5Not compared: Monthly charge, not per item	per month	None
Photocopies: Color (per page)	$1	per item	None

Correct a fee source

Oct 10, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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