Horizons Senior Club
Horizons Merchants
Get In On The Good Times With Our Designed For Special Customers Like You!
The Horizons Club was created so that our members could spend their time and money on things they enjoy. Horizons Club members enjoy an exclusive list of social opportunities and services at significant savings. Hundreds of people like you have already joined the Club and are having the times of their lives.
If your are age 50 or better it’s easy to become a Horizons Club member. Just maintain a balance of $2,500 or more in your Checking and/or Savings account or maintain $5,000 in a Certificate of Deposit or IRA. If your minimum balance goes below the Horizons Club required balance, then the applicable monthly service charge will be applied.
As a Horizons Club member, you qualify for a regular or interest bearing NOW account with no minimum balance requirement, no monthly service charge and free, unlimited check writing privileges. What's more, you are entitled to receive our special Horizons Club wallet checks, imprinted with your name and address. If you prefer a designer, duplicate, top-stub, or end-stub check style, you are entitled to receive them at half price.
Your Horizons Club membership card will be your passport to all these benefits and more.
Become a FNB Financial Horizons Club Member Today!

Merchant Discount Program
Our Horizons Club members receive varied savings on purchases and services throughout the area.
View list of savings and special offers for Horizons Club members.
Trust Services
FNB Financial’s Trust Department can help you obtain your financial goals. We offer investment products and services that grow with you during the seasons of your life. Our professional staff will help you assess your current and future goals, as well as provide the continuity necessary in managing your assets. Our programs help you achieve your financial goals with a blend of personal service and expert money management. Contact Us by E-Mail to schedule your free Financial Planning Session.
Travelers Checks
As a Horizons Club member, you can purchase single signature travelers checks and pay no fee.
Safe Deposit Box Discount
As a Club member you will receive a free small safe deposit box for one year and a discounted rate thereafter.
24-hour Debit Card Banking
A "no annual fee" FNB Debit Card will be issued in your name upon request. Use your card at thousands of automatic tellers throughout the United States. Make withdrawals or check your account balance any time, day or night. In addition, you may make deposits at ATMs located throughout Michigan. There are no transaction charges when using your FIRST NATIONAL BANK FNB Debit Card at any of our locations.
Additional Services
Several other banking services are available to you free of charge as a Horizons Club Member including:
- Personal Money Orders
- Notary Service
- Photocopy Service (limit 5 per week)
- Signature Guarantee
Horizons Club offerings are subject to change without notice.
Receive all of the HORIZONS services plus the following HORIZONS SELECT services for only $2 a month (must be debited from checking or savings account):
$10,000 Accidental Death & Dismemberment Insurance
Coverage is reduced 50% at age 70. If joint account, total coverage is divided evenly.
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