.jpg?sfvrsn=1da76004_0 "exterior image of the Horizon Bank branch in Charlevoix at 1425 Bridge St.")
Horizon Bank Branch Purchase
We're excited about the upcoming move of our Charlevoix branch! We know you may have some questions about the changes, and we're here to answer them. We've covered the basics on this page, but if you have further questions, please feel free to call us at 800-765-0110, use our chat feature, or stop by our branch.
Frequently Asked Questions
Member Accounts and Access
Will I become a 4Front Member?
Yes, and we're so excited to have you.
Will my account information change?
Yes, you will receive all new account information (account number, debit card, etc.).
Will direct deposit or automatic payments be affected?
Yes. If you have any direct deposit or automatic payments set up through your Horizon Bank account, you will need to update the information with your new 4Front account details.
Will online banking and mobile banking remain the same?
For those already enrolled in online banking or who have downloaded the 4FrontGo app, everything will remain the same. Horizon Bank customers new to 4Front will have to enroll in our online banking and download the 4FrontGo app in the app store.
Do I need to wait until the conversion date to join 4Front?
No. You can join us and set up your account at any time. Schedule an appointment with one of our team members or stop by a branch, and they’ll walk you through the process.
What will I need to open a 4Front account?
To open an account, you’ll need a valid government-issued ID (driver's license, state ID card, passport, permanent resident card, or military ID card).
If you’re opening an account for an individual 17 or younger, please plan to provide their birth certificate and Social Security card. A photo ID, like a school-issued ID card, is also helpful to bring along.
What happens if I wait to open a 4Front account?
If you wait until the conversion date in mid to late April, your Horizon Bank accounts will automatically be transitioned into 4Front accounts, and you will no longer have access to your Horizon Bank account. Once the transition is complete, you will need to ensure that all your direct deposits and automatic payments are updated with your new account details to minimize any disruptions. Here’s a quick checklist of things to remember:
- Set up your direct deposit(s) (e.g., paychecks, social security).
- Update your automatic payments. (e.g., loan payments, utility payments, subscriptions).
- Enroll in online banking and download the 4FrontGo app for easy future banking.
Will my money be FDIC insured?
No, but don’t worry. Your money will now be insured by the NCUA up to $250,000.
Will I receive new checks?
Yes, we will send new checks to anyone currently using Horizon Bank checks.
Will I receive a new debit card?
Yes, you’ll receive a new debit card. Plus, if you come in early to switch your account, you can choose from our designs and have it printed right in the branch.
Services
When is 4Front moving to the new location?
We will not be moving to the new location until we complete renovations, so the move will not take place until mid-2026.
Will there be a gap in service when 4Front moves to the new branch location?
Nope. Everything will keep running smoothly.
Will the same services be available at the new location?
Yes, everything you use today will be available after the move.
Will there be drive-thru services and/or ATMs with Videotellers?
Yes. As part of the remodel, we’re adding ATMs with VideoTellers in both the lobby and the drive-thru.
Will the branch hours be changing?
The lobby hours will not change and will remain Monday - Friday, 9:00 AM - 5:00 PM. However, the ATMs with VideoTellers hours will change to Monday - Friday, 7:00 AM - 7:PM and Saturday, 9:00 AM - 2:00 PM.
General
Why is 4Front purchasing the Horizon Bank branch in Charlevoix?
As Horizon Bank exits the Charlevoix market, 4Front sees an opportunity to support local residents, businesses, and existing 4Front members by keeping trusted, relationship-based banking available right here in the community. This transition allows us to build on the relationships already in place, welcome Horizon customers and employees, and reaffirm our long-term commitment to keeping banking local in Charlevoix.
Where is the Horizon Bank branch located?
You’ll find the branch at 1425 Bridge St. in Charlevoix. We’ll be moving into the branch after the official purchase, though we’ll have some renovations to do first. Please continue using the 4Front branch at 1031 May Street.
When is 4Front moving to the Bridge St. location?
We will not be moving to the new location until we complete renovations, so the move will not take place until mid-2026.
What will happen to Horizon Bank customers?
We’ll be welcoming them to the 4Front family. Over the next several weeks, we’ll help transition their accounts and get them settled in. For help transitioning to your new 4Front account, make an appointment or stop by your local branch.
What’s going to happen to the Charlevoix Horizon Bank employees?
We are excited to welcome all the Horizon Bank employees who worked in the Charlevoix branch to our team.
Will the 4Front staff from the current branch move to the Bridge St. location once renovated?
Yep! We’ll be staffing the new branch with both existing 4Front employees and new employees we are welcoming from Horizon Bank.
How will Horizon Bank customers and 4Front members be notified of the transition?
We’ll keep both current 4Front members and incoming Horizon Bank members updated with regular communication—emails, mailings, digital updates, etc.
Where can I do my banking when the branch is closed for renovations?
The 4Front branch at 1031 May Street will remain open through renovations.
Lobby Hours: Monday - Friday: 9:00 AM - 5:00 PM, Saturday: Closed
VideoTeller Hours: Monday - Friday: 7:00 AM - 7:00 PM, Saturday: 9:00 AM - 2:00 PM
What are ATMs with VideoTellers?
Our ATMs with VideoTellers can do everything any old ATM can, plus they can virtually connect you with a 4Front representative so you can make a loan payment, reorder checks or a debit card, open accounts, and much more.
Where are all the 4Front branch locations?
4Front has 20 locations across Michigan, from Sault Ste. Marie down to Zeeland.
Where are 4Front’s ATMs located?
We’re a member of the ATM Coop Network. Giving our members access to over 30,000+ surcharge-free ATMs across the nation.
Is 4Front involved in the community?
Absolutely! From volunteering to sponsoring local events, our team is proud to be active members in the community. Looking for a partner for your organization or upcoming event? Let us know!
What is the 4Front Foundation?
The 4Front Foundation was founded in 2021 to help bridge the gap between donors and non-profits. It’s committed to strengthening Michigan communities through awarding grants to local non-profits that align with its pillars of giving: financial relief, community building, and youth empowerment.
In 2025, the foundation awarded $40,000 in grants to nine non-profits in our regions: northern Michigan, west Michigan, and the Upper Peninsula. The foundation also awarded four scholarships totaling $10,000 to assist individuals pursuing careers in the skilled trades. This scholarship was designed to remove financial barriers and provide meaningful financial assistance for tools, training programs, certifications, and collegiate courses.
Learn more about the 4Front Foundation's work and keep an eye out for upcoming events that help fund its community efforts.
Have more questions or want help transitioning to your 4Front account?
Give us a call at 800-765-0110, use our chat feature, or stop by a branch.