1Greenlight Terms: 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.
2The introductory rate is available for the first six (6) months after account opening. You must apply by 12/31/25 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 12/11/2025 Index value of 6.75% and 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 12/11/2025, 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.
3The 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.
4When 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.
5Card Controls are not available in the business banking mobile app.
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.
Equal Housing Lender. All loans and accounts subject to credit approval. Terms and conditions apply.
