Home Equity Line of Credit
3.99% Introductory APR for the first 6 months after opening, then as low as 7.00% variable APR thereafter on new HELOCs1,2
3.99% Introductory APR for the first 6 months after opening, then as low as 7.00% variable APR thereafter on new HELOCs1,2
WHAT'S YOUR GOAL?
Our new mobile app is packed with powerful features that make it easier to take control of your money.
Want to learn more about the new mobile app?
1 Offer limited to new Home Equity Lines, not available on refinancing of an existing Hancock Whitney Bank home equity line of credit or home equity loan, and requires a mortgage on an owner-occupied 1-4 family dwelling with minimum lendable equity of $10,000 and a maximum loan-to-value of 80% in Texas† , or a maximum loan-to-value of 90% in Mississippi, Alabama, Florida and Louisiana. Property insurance required. Rescission rights may temporarily restrict availability of funds. See a banker for details.
† Important Information for Texas Residents: Texas laws impose certain restrictions on loans and lines secured by a lien on your home. In Texas, each individual advance from your line of credit must be in an amount of at least $4,000. The maximum amount of your new home equity line or loan, when combined with the dollar amount of all other liens on your home, may not exceed 80% of the fair market value of your home on the date your home equity line or loan is made. Only one home equity line or loan is allowed on the home at a time and no more than one home equity line or loan may be made on the home within a 12-calendar month period. Other restrictions apply. See a banker for details. Overdraft option and check access not available in Texas.
2 Louisiana Residents: You must apply by 4/30/26 to receive the introductory rate. After that time the introductory offer could change. This offer may not be combined with any other discount.
Home Equity Line annual percentage rate (APR) IS based on The Wall Street Journal Prime Rate (the “Index”) plus a margin ranging between 0.25% and 4.35%. The APR will vary but not exceed 21% in AL, MS, or LA or 18% in FL or TX. Based on the 02/27/2026 Index value of 6.75% and a typical margin of 0.65%, the formula for subsequent monthly rate adjustments results in a current APR of 7.40%. Please note that due to the floor rate, following the introductory promotional period, the APR will never be less than 3.99%. Your APR may be higher. As of 02/27/2026, APRs range from 7.00% to 11.10%. Repayment options and margins vary based on creditworthiness, loan-to-value percentages, whether the mortgage securing your line is a first or second mortgage and other factors. See a banker for details.
Non-Louisiana Residents: You must apply by 4/30/26 to receive the introductory rate. After that time the introductory offer could change. This offer may not be combined with any other discount.
Home Equity Line annual percentage rate (APR) IS based on The Wall Street Journal Prime Rate (the “Index”) plus a margin ranging between 0.00% and 4.35%. The APR will vary but not exceed 21% in AL, MS, or LA or 18% in FL or TX. Based on the 02/27/2026 Index value of 6.75% and a typical margin of 0.00%, the formula for subsequent monthly rate adjustments results in a current APR of 6.75%. Please note that due to the floor rate, following the introductory promotional period, the APR will never be less than 3.99%. Your APR may be higher. As of 02/27/2026, APRs range from 6.75% to 11.10%. Repayment options and margins vary based on creditworthiness, loan-to-value percentages, whether the mortgage securing your line is a first or second mortgage and other factors. See a banker for details.
3 Important details and required qualifying activities for the Freestyle Checking and Freestyle Savings offers: Use the required promo code when opening your new checking and/or savings account by the offer expiration date of 6/30/2026. The email given at account opening must match the email address submitted to get the offer promo code. Receive a $300 bonus when you open a Freestyle Checking account and set up and receive a total of $3,000 or more in direct deposits within the first 90 days of opening. Receive a $100 bonus when you open a Freestyle Savings account and deposit $5,000 within 30 days of opening and maintain a $5,000 minimum daily balance for 60 days. Receive an additional $200 bonus when you open both accounts at the same time and meet all requirements. If you meet all requirements listed for either account or both, we will deposit the earned bonus and additional bonus if applicable into your new personal checking account and/or savings account within 135 days of opening your new accounts. The checking bonus will be applied to the checking account, while the savings bonus and additional bonus (if applicable) will be applied to the savings account. Account(s) must be open and with a positive balance at the time of bonus award, otherwise bonus is forfeited.
Offer available to new Hancock Whitney checking clients 18 years of age or older. This includes new to bank clients and existing Hancock Whitney clients who currently do not have a checking account, or have not recently closed a checking account in the past 90 days, or did not have a checking account closed with a negative balance in the past 3 years.
A qualifying direct deposit is a recurring electronic payment, such as payroll, pension, Social Security, or other government or monthly income, made by an employer or external agency. It does not include transfers between your own accounts, non-recurring payments from services like Zelle, PayPal or Cash App, tax refunds, stimulus payments, wire transfers or deposits made at a branch, ATM, by mail, mobile device, or online transfer.
The Bank may change or discontinue the offer at any time and without notice. This offer is non-transferable and cannot be combined with other offers. Only the person to whom this offer is addressed is eligible for this offer. Limit of one consumer savings-related bonus and one consumer checking-related bonus per household every 2 calendar years and a household lifetime maximum of 2 checking and/or 2 savings bonuses. Bonuses may be considered interest and may be reported on IRS Form 1099.
Freestyle Checking and Freestyle Savings Account Terms and Conditions: A $25 minimum deposit required at account opening for each account. If the checking account is closed within the first 180 days after opening, a $20 closing fee is assessed and we reserve the right to deduct the bonus amount from the account closing balance. Your new savings account will have a $20 early closure service charge applied to the available balance for the first 180 days. If savings account remains open beyond 180 days, the early service closure charge is released and added back to the available balance. Refer to the Freestyle Checking and Freestyle Savings, Truth in Savings Disclosures for additional details, all applicable fees and information on your new accounts. Refer to the Freestyle Checking and Freestyle Savings Truth in Savings disclosures for details regarding applicable fees and additional information on your new accounts.
Freestyle Checking $10 monthly service charge can be waived by the following: primary account holder under 18 or age 64 and over with a valid date of birth on file, or have one or more client-initiated debit or credit transactions post to the checking account per statement cycle.
Freestyle Savings $5 monthly service charge can be waived by the following: primary account holder under 18 or age 64 and over with a valid date of birth on file, or have a minimum daily balance of $250.00 or more, or have one or more client-initiated debit or credit transactions post to the savings account per statement cycle Fees may reduce earnings.
APY (Annual Percentage Yield) is accurate as of 02/27/2026.
| Minimum Collected Balance | Interest Rate | APY (Annual Percentage Yield) |
| $0.00 - $9,999.99 | 2.23% | 2.25% |
| $10,000.00 - $24,999.99 | 2.47% | 2.50% |
| $25,000.00 - $100,000.00 | 2.72% | 2.75% |
| $100,000.01+ | 0.05% | 0.05% |
4 $500 Business Checking Bonus Requirements: Use the required promo code provided when opening a new Preferred Business Checking, Interest Business Checking, or Essential Business Checking account with new money not currently held by Hancock Whitney Bank before the offer expiration of 7/31/2026. To meet requirements, you must enroll in online banking and make at least $5,000 in qualifying deposits within the first 30 days from opening your business checking account. You must continue to maintain the $5,000 or more balance for the next 60 days to receive the payout. If you meet the 90-day Requirements, the Offer Payout will be deposited into your Business Checking Account within 45 days.
This offer is available to new-to-bank or existing Hancock Whitney checking clients who currently do not have a business or commercial checking account; have not closed a business or commercial checking account in the past 90 days; or did not have a checking account closed with a negative balance in the past three (3) years.
5 Up to $750 Payment Processing Bonus: To receive the Payment Processing Promotional Offer you must both apply and be approved for a new Merchant Services payment processing account and open a new business checking account1 before the offer expires on 7/31/2026. The following criteria will be used to determine your Payment Processing Promotional Payout amount:
To qualify for the $250 Payment Processing offer, you must (1) apply and be approved for a new Merchant Services payment processing account and, (2) activate the account by processing a minimum of $20 in total payment volume no later than the end of the second full calendar month after credit approval. If you meet all requirements within the two full month period, your $250 Bonus will be deposited into your eligible Hancock Whitney Business Checking account 30 days after the end of the two full month period during which the requirements were met. Example: If your account is approved on January 10, you must process at least $20 by March 31. Your $250 bonus will then be deposited within 30 days of March 31.
To qualify for the $500 Payment Processing offer, you must (1) apply and be approved for a new Merchant Services payment processing account and, (2) process between $5,000 and $7,499 in total payment volume no later than the end of the second full calendar month after credit approval. If you meet all requirements within the two full month period, your $500 Bonus will be deposited into your eligible Hancock Whitney Business Checking account 30 days after the end of the two full month period during which the requirements were met. Example: If your account is approved on January 10, you must process at least $5,000 by March 31. Your $500 bonus will then be deposited within 30 days of March 31.
To qualify for the $750 Payment Processing offer, you must (1) apply and be approved for a new Merchant Services payment processing account that operates on the Clover platform and, (2) process $7,500 or more in total payment volume no later than the end of the second full calendar month after credit approval, and (3) enroll in Melio Pay Bills and/or Clover Payroll by ADP via the Clover Dashboard after your Merchant Services account has been approved and Clover account activated. If you meet all requirements within the two full month period, your $750 Bonus will be deposited into your eligible Hancock Whitney Business Checking account 30 days after the end of the two full month period during which the requirements were met. Example: If your account is approved on January 10, you must process at least $7,500 by March 31. Your $750 bonus will then be deposited within 30 days of March 31.
The Merchant Services payment processing account must remain open and active until the bonus is paid after account activation. Merchant Services Early Termination Fee and Monthly Minimum Fee applies. The bonus will be deposited into your linked Hancock Business Checking account.
A new or existing Hancock Whitney Business Checking account is required for this offer and must be used to settle funds through the merchant services processing activities. The business checking account must remain open and active until the bonus is paid.
Based on the requirements you meet as defined above for the Merchant Services Payment Processing Bonus, your bonus will be posted to your Business Checking account.
Clover trademark and logo are owned by Clover Network, Inc., a First Data company.
Melio Pay Bills™ is a service provided by Melio Payments Inc. (“Melio”). Hancock Whitney Bank is not affiliated with Melio and does not provide, control, or guarantee Melio services. Enrollment in Melio Pay Bills™ is subject to Melio’s separate terms, conditions, and fees. Additional eligibility requirements may apply.
Clover Payroll by ADP® is a service provided by Automatic Data Processing, Inc. (“ADP”). Hancock Whitney Bank is not affiliated with ADP and does not provide, control, or guarantee ADP payroll services. Enrollment in Clover Payroll by ADP® is subject to ADP’s separate terms, conditions, and fees. Additional eligibility requirements may apply.
6 The mortgage loan must be pre-qualified through the digital mortgage team and actually close with Hancock Whitney; if the closing costs are less than the incentives, there is no cash back to the borrower. Offer subject to end at any time.
Hancock Whitney Bank, Member FDIC and 
Equal Housing Lender. Bank NMLS# 454781.
7 Requires timely submission of all necessary information and documentation and assumes consent will be given to perform the pre-qualification process electronically. Extenuating circumstances may cause delays outside this timeframe. Must receive all required information for pre-qualification and pre-qualification must be requested during standard business hours.
This request for a pre-qualification is not a loan approval or commitment to lend. Pre-qualifications are based on current program guidelines and are subject to change at any time, without notice.
8 Card Controls are not available in the business banking mobile app.
Greenlight: Hancock Whitney Bank clients are eligible for the Greenlight SELECT plan at no cost when an eligible Hancock Whitney Bank checking account is added as a funding source for the entirety of the promotion. An initial load of at least $10 and identity verification is required. Upgrades will result in additional fees. Upon termination of promotion, clients will be responsible for associated monthly fees. See terms for details. Offer subject to change and partner participation.
The Greenlight platform and the Greenlight debit card are not Hancock Whitney Bank products and are not managed by Hancock Whitney Bank. The Greenlight debit card is issued by Community Federal Savings Bank, Member FDIC, pursuant to license by Mastercard International.
Greenlight is a financial technology company, not a bank. The Greenlight app facilitates banking services through Community Federal Savings Bank, Member FDIC. Greenlight and Community Federal Savings Bank are not affiliated with Hancock Whitney Bank and maintain their own privacy policies.
Zelle®: Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. Only send money to people you know well and trust. If you don’t know the person you are paying or are unsure you will receive what you are purchasing, then we don’t recommend you use Zelle® for the transaction. Please be aware that neither Hancock Whitney nor Zelle® offers purchase protection for payments made with Zelle®. This means that if you don’t receive the item you paid for, or if it’s not as described, you may not be able to recover your funds.
Apple is a trademark of Apple Inc. registered in the U.S. and other countries.
Android and Google Play are trademarks of Google Inc., registered in the U.S. and other countries.
ABOUT
RESOURCES
PROUD TO BE AN OFFICIAL SPONSOR OF
Hancock Whitney Bank, Member FDIC and 
Equal Housing Lender. All loans and accounts subject to credit approval. Terms and conditions apply.
Hancock Whitney and the Hancock Whitney logo are federally-registered trademarks of Hancock Whitney Corporation. © Hancock Whitney 2026
