Frequently Asked Questions
Member Accounts and Access
Yes, and we're so excited to have you.
Our Charlevoix branch at 1031 May Street will be open from 9:00 AM - 1:00 PM on Saturday, April 18, for special hours.
You can also reach our communication center at 800-765-0110 or stop by an ATM with VideoTeller from 9:00 AM - 2:00 PM for assistance.
Only accounts opened and assigned to the Charlevoix Horizon Bank location will be converted into 4Front Credit Union accounts. We recommend that you confirm with Horizon which of your accounts will be converted.
Yes, you will receive all new account information (account number, debit card, HSA debit cards etc.).
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. To get your 4Front account details, you can ask a 4Front representative for a direct deposit letter, which will include all the information you need to set this up.
All ACH transactions will be processed using Horizon Bank information through mid-June. To ensure your electronic payments are uninterrupted, please start using your new checks, account number, and our routing number as soon as possible after April 18.
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.
Our best guidance at this stage is to wait until the conversion is complete and your accounts have been fully validated. Once everything is confirmed, we'll be well-positioned to help you take those next steps.
If you wait until the conversion date of April 18, 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.
No, but don’t worry. Your money will now be insured by the NCUA up to $250,000.
Yes, we will send new checks to anyone currently using Horizon Bank checks.
We will continue to process checks using Horizon Bank information through mid-June. To ensure your checks clear uninterrupted, please start using your 4Front checks as soon as possible after April 18.
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.
If you have a Health Savings Account (HSA) debit card, you will also be receiving a new card. Please note that if you need to use your HSA debit card before you receive your new card, you will be able to request a reimbursement for the funds at a later time.
Horizon Bank will be turning off debit cards on Friday, April 17, at 3:00 PM, and your new 4Front debit card will be ready to use on Saturday, April 18. Please ensure that you have an alternative form of payment during this time.
If you have an automatic payment attached to your Horizon debit card scheduled for April 17 or 18, we recommend making preparations to make the payment early.
If you stopped by a branch to get a card printed, the mailed debit card will not be valid and can be destroyed. Although the card is unusable, we still recommend shredding or cutting it to help prevent fraud.
Yes, if you have a Health Savings Account (HSA) debit card, you will also be receiving a new card. Please note that if you need to use your HSA debit card before you receive your new card, you will be able to request a reimbursement for the funds at a later time.
We will not be moving to the new location until we complete renovations, so the move will not take place until mid-2026.
Nope. Everything will keep running smoothly.
Yes, everything you use today will be available after the move.
Yes. As part of the remodel, we’re adding ATMs with VideoTellers in both the lobby and the drive-thru.
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.
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.
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.
We will not be moving to the new location until we complete renovations, so the move will not take place until mid-2026.
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.
We are excited to welcome all the Horizon Bank employees who worked in the Charlevoix branch to our team.
Yep! We’ll be staffing the new branch with both existing 4Front employees and new employees we are welcoming from Horizon Bank.
We’ll keep both current 4Front members and incoming Horizon Bank members updated with regular communication—emails, mailings, digital updates, etc.
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
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, and much more.
4Front has 20 locations across Michigan, from Sault Ste. Marie down to Zeeland.
We’re a member of the ATM Coop Network. Giving our members access to over 30,000+ surcharge-free ATMs across the nation.
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!
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.
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