1 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 service charge 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 02/05/2026.
| 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% |
2 Early Pay Terms: Early Pay grants access to eligible direct deposit payments (PPD ACH transactions $25,000 and under) made into a Hancock Whitney Checking or Savings account up to two days prior to the scheduled payment date.
Certain payroll payments may not be eligible for Early Pay. Early Pay availability is based on the timing of the payor’s payment instructions and therefore, you may not always see your direct deposits arrive early. Hancock Whitney does not guarantee early availability of these direct deposits. Early Pay eligibility may vary between pay periods, and daily/transaction limits apply. Any direct deposit not posted early will be made available to you in accordance with the payment instructions. After we have made the deposit available to you and you have withdrawn funds, you remain responsible if any deposit to your account is returned, rejected or uncollected by Hancock Whitney.
No action is needed to take advantage of Early Pay. Early Pay will be activated for all Hancock Whitney Checking and Savings accounts only.
3 Zelle Terms: U.S. checking or savings account required to use Zelle®. 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. Once you have authorized and made a payment through Zelle®, it may not be possible to reverse the payment or recover the funds.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
ΔCard Controls are not available in the business banking mobile app
Hancock Whitney Bank, Member FDIC. All accounts subject to approval. Terms and conditions apply.
