Horizon Bank Mobile Banking 4+

Branch manager Pam Kincaid is awesome in Houghton Lake, MI, she explained the required details for approval when inquiring about a mortgage, helped me thru the setup of our small business, got my 16 year old daughter setup with her youth account and resolved any issues that came up when the bank was switching company’s. As far as the app, since it has been updated it is more user friendly and any issues she can always resolve.

Too bad I can give this place a ZERO start review. Because I defiantly would. The real time of my account is ridiculous. Often so inaccurate that I don’t even bother to look at it until the next day or even days later because nothing is ever on there that should be. I’ve had it say anything from my balance being the exact same number for months back .....to my account being thousands in the negative but says the “available” is positive. Not sure what happened once this banks software switched from Salin bank to horizon. But maybe you guys should contact the tech team of salin and have them recode your software or update it. Because they had real time balances and transactions. Regardless of how long it took the retailer to post my transactions. And the most frustrating thing is that you “maintenance” your website or app every couple Sunday’s it seems ..... yet nothing changes for the better. I used to recommend this bank. That is no longer the case. I actually try to deter people from using it due to the fact that the online is so messed up and inaccurate that it’s not worth having a place to see your balance and transactions if they’re NEVER right! You guys should defiantly figure this out because other than than ( which that is like 70% of banking these days) this bank is fairly decent bank.

Have had this bank for years and deeply regret picking it. Trying to stick with it so we can raise credit and have the ability to get loans in the future but this bank is ruining that. When you bring up the fact that this bank app is garbage and doesn’t actually track purchases everyone says “you need to write down your transactions” no actually the literal point of a banking app is to TRACK your funds and spending. If I swipe my card and it gets approved it’s SUPPOSED to immediately track that on the banking app but instead a simple gas station purchase can take days to show up and don’t get me started on Sunday. The app doesn’t even work on Sunday EVER! On Sunday I’ll know I only have $100 and the app will say we either have $500 or -$300 but it’s never what our actual balance is. This is my second negative review as my first one was removed over a year ago. We are constantly overdrawn out of nowhere and I am trying hard to convince my husband to switch banks before this one ruins us. Great employees at the actual bank but this app is absolute garbage and has lacked ANY improvement in 3 years despite the numerous 1 star reviews. Someone help us all because lord knows we are all overdrawn