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Horizon Bank s Fresh Start Checking has received accreditation from the Cities for Financial Empowerment organization. The accreditation serves as a recommendation for community nonprofits to refer unbanked community members to the checking account. The Michigan City-based bank s Fresh Start account has no minimum balance requirement, unlimited check writing, federal deposit insurance and a cost of $5 a month. It was found to meet national standards that were crafted with the help of consumer advocates, civic leaders and nonprofits. The goal of the national Bank On initiative is to help people, particularly of lower socioeconomic status, gain access to safe and affordable financial products and services. Bank On national account standards are meant for community service coalitions and nonprofits to use to identify bank or credit union accounts they can refer clients to. 

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