Horizon Bank offers great service in their home loans department, but their credit card service would have to improve to be horrible. Recently, I had to lodge complaints with two state agencies to get any action on the "gift VISA cards" Horizon Bank sent me, and ended up losing over $150 in service fees to Elan Services (the card issuers) in fees, even though the cards would not work. I called customer service and was given the wrong information after four hours of working with them, and Horizon Bank refused to acknowledge me or the program after repeated notes to them. It's fine in a world of Black Lives Matter that this bank's board is lily white. It obviously represents the board's sense of community. However, to completely ignore customers and disavow themselves of a program they sponsor, costing customers hundreds and ignoring them compeltely -- is this the group you want as your bank? Dante would create a new level of hell for this customer service department. Avoid them at all costs read more