Get up to a $600 Bonus

¹ Important details and required qualifying activities for the $300 Freestyle Checking offer: Use the promo code referenced above when opening your new checking account with money not currently on deposit at Hancock Whitney Bank by the offer expiration date of 10/31/2025. Set up and receive qualifying direct deposits totaling at least $500 each month by 12/31/2025. Your account and direct deposits must remain open and active during the entire promotional period which includes up to when the bonus is paid by 2/28/2026. If you meet all requirements, we will deposit the earned bonus into your new personal checking account by 2/28/2026.

Offer available to new Hancock Whitney checking clients. 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.

Promotion Requirements for the Freestyle Checking offer: The email given at account opening must match the email address submitted to get the offer promo code and the promo code is required to be included in the account opening. All account applications are subject to approval. 

A qualifying direct deposit is a recurring electronic deposit, including a salary, pension, Social Security, other government benefit or other recurring, monthly income amount, made by your employer or outside agency. Account transfers, mobile deposits, payments from Zelle^®, PayPal, Cash App or other similar providers, tax refunds or deposit made at a branch or ATM are not qualifying direct deposits. 

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 checking-related bonus per household every 2 calendar years.  Bonuses may be considered interest and may be reported on IRS Form 1099.

Freestyle Checking Account Terms and Conditions: $25 minimum opening deposit is required. Monthly service charge of $10 can be waived by the following: primary account holder under 18 or age 64 and over with valid date of birth on file; or is an eligible Priority Checking or Private Wealth Management Client; or have one or more client-initiated debit and/or credit transactions post to the checking account per statement cycle. If your account is closed within the first 180 days after opening, a $20 closing fee will be assessed and we reserve the right to deduct the bonus amount from your account’s closing balance if applicable. Please refer to the Truth in Savings Disclosure for other applicable fees and information.

² Important details and required qualifying activities for the $100 Freestyle Savings Offer: Use the promo code referenced above when opening your new Freestyle Savings account by the offer expiration date of 10/31/2025. You must deposit $5,000 or more into your Freestyle Savings account by 11/30/2025. Your account must remain open and active and you must maintain a minimum daily balance of $5,000 or more during the entire promotional period which includes up to when the bonus is paid by 2/28/2026. If requirements are met, we will deposit the earned bonus into your new Freestyle Savings account by 2/28/2026.

Promotion Requirements for the Freestyle Savings offer: The email given at account opening must match the email address submitted to get the offer promo code and the promo code is required to be included in the account opening.

The bank may 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 per household every 2 calendar years. Bonuses may be considered interest and may be reported on IRS Form 1099.

Freestyle Savings Account Terms and Conditions: $25 minimum opening deposit is required. Monthly service charge of $5 can be waived by the following: primary account holder is under 18 or age 64 and over with valid date of birth on file; or maintain a minimum daily balance of $250 or more; or have one or more client-initiated debit or credit transactions post to the savings account per statement cycle. If your account is closed within the first 180 days after opening, a $20 closing service charge will be assessed and we reserve the right to deduct the bonus amount from your account’s closing balance if applicable. The interest rate is variable and subject to change at the Bank’s discretion at any time without notice, before or after the account is opened. Fees may reduce earnings on the account. Please refer to the Truth in Savings Disclosure for other applicable fees and information.

 APY (Annual Percentage Yield) is accurate as of 08/20/2025.

You will receive the additional bonus amount of $200 if you open both accounts at the same time and meet all requirements and it will be deposited into your checking account by 2/28/2026

³ The introductory rate is available for the first six (6) months after account opening. You must apply by 08/31/25 to receive the introductory rate. After that time 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 08/20/2025 Index value of 7.50% and typical margin of 0.65%, the formula for subsequent monthly rate adjustments results in a current APR of 8.15%. 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 08/20/2025, APRs range from 7.75% to 11.85%. 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.

⁴ The Bank pays closing costs on home equity lines of credit up to and including $250,000. However, the Bank will not pay any fees associated with surveys or any curative title work that may be required in order to perfect a lien, nor will the Bank pay any initial or ongoing homeowner’s or condominium association fees or costs. All such fees and costs are the client’s responsibility. The Bank also will not pay any portion of the Alabama Mortgage Recording Tax, the Florida Intangible Personal Property Tax, the Florida Documentary Stamp Tax, the Orleans Parish Documentary Tax (where those taxes may be applicable and vary with the loan amount) for a Line with a credit limit greater than $100,000. Clients have the option to pay closing costs on lines under and including $250,000 and receive a 0.50% rate discount on the regular non-promotional rate. On lines of credit over $250,000, the Bank might pay on your behalf a portion of your closing costs up to a maximum of $500. Fees associated with opening a Home Equity Line of Credit generally range from $0-$8,103.50.

If you voluntarily cancel your line of credit within 12 months of opening, you will reimburse to us the non-affiliated third-party closing costs we paid, up to 2% of your credit limit. In MS and LA only, you will reimburse the lesser of (i) 2% of your credit limit or (ii) 5% of the unpaid principal balance of your line at the time you cancel. No obligation to repay closing costs will apply in Texas. Additionally, no obligation to repay closing costs will apply if the source of the prepayment funds is a refinancing by us or an affiliate of ours or if the prepayment occurs more than one year from the date the loan is made.

⁵ When using the fixed-rate option (also called a “take down”), there is a $5,000 minimum amount and $50 fee for each take down. Due to state law, we do not charge a take down fee in Texas. You can have up to four take downs outstanding at any time. Other terms and conditions apply. See a banker for details. 

⁶ 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.

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