Bank routing number ยท Michigan City, Indiana
Horizon Bank Routing Number (ABA): 071201320
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The Horizon Bank routing number is 071201320. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 28, 2026.
Horizon Bank at a glance
Its CET1 capital ratio was 12.96% at Q3 2026, above regulatory requirements.
- Total assets, Q3 2026
- $6.56B
- CET1 ratio, Q3 2026
- 12.96%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Domestic offices
- 79 branches
- Latest call report
- Q3 2026, FFIEC 041
- Established
- 1873
Full financial profile · Is Horizon Bank safe? · Horizon Bank call report · Branch locations
Horizon Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 071201320 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 28, 2026. NIC holds one primary number per bank; Horizon Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 07, place this number in the Federal Reserve Bank of Chicago's district (District 7). Digits five through eight, 0132, identify the institution within that district. The last digit, 0, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to Horizon Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your Horizon Bank checks or in its online banking. Ask the bank for wire instructions (www.horizonbank.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About Horizon Bank
Horizon Bank is headquartered in Michigan City, Indiana and was established in 1873. It is in the MICHIGAN CITY-LA PORTE, IN metro area. It reported $6.56B in total assets and $5.56B in deposits for Q3 2026, the 8th largest of the 87 banks headquartered in Indiana. It reports 79 domestic offices. Its deposits have been FDIC insured since 1934. Its primary federal regulator is the FDIC. 2 other banks and credit unions headquartered in Michigan City have a routing number listed here.
What the digits in 071201320 mean
The first four digits, 0712, are the Federal Reserve routing symbol. The prefix 07 places the number in the 7th Federal Reserve District (Chicago). That is also the district where the bank is headquartered. Digits five through eight, 0132, identify the institution within its Federal Reserve district. The last digit, 0, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 5 + 7 x 9 + 2 = 80, a multiple of 10, so 071201320 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the Horizon Bank routing number?
The Horizon Bank routing number is 071201320. It is the primary ABA routing transit number registered to Horizon Bank, headquartered in Michigan City, IN. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 28, 2026.
What is the Horizon Bank wire routing number?
This page lists the primary routing number registered to Horizon Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Horizon Bank before sending a wire.
Is ABA number 071201320 the routing number for Horizon Bank?
Yes. It is the primary routing number registered to Horizon Bank.
Which bank uses routing number 071201320?
It belongs to Horizon Bank, headquartered in Michigan City, IN. It is the bank's primary ABA routing number (FDIC certificate 4360).
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View Horizon Bank's full profile →
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Regulator records: FDIC BankFind (cert 4360) · FFIEC NIC profile (RSSD 130541)