NO is a beautiful thing.
Say NO to fees. Say YES to Hancock Whitney checking.
Get a $200 bonus when you open a new Freestyle Checking account and meet criteria.1
Freestyle Checking gives you more flexibility
NO Waiting
Get paid up to two days early with Early Pay2
NO Monthly Service Charge
with one qualifying transaction per statement cycle
NO Overdraft Fees
on overdrawn balances of $10 or less3
Want to learn even more about the benefits of a Freestyle Checking account?
How to earn your $200 bonus
Get Promo Code and Open Your Account
Complete the form below to get your promo code. Open your account online or at one of our local Financial Centers by 6/30/2025.
Complete Offer Requirements
Set up and receive qualifying monthly direct deposits totaling at least $300 each month by 8/31/2025. See details.
Get Your Bonus
If you meet the qualifying activities1 you'll receive your $200 checking bonus by 10/31/2025. Your account will need to stay open and active through 10/31/2025 to receive your bonus.
Your promo code must be included when your account is opened and your email has to be the same one you included on the form.

Why your neighbors trust Hancock Whitney
For more than a century, Hancock Whitney has been dedicated to the financial well-being of Gulf South communities.
For the third consecutive year we've been named one of America's Best Banks by Forbes.
We give back to our local communities because we're committed to the future of our region.
Frequently asked questions
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What is the minimum amount required to open a Freestyle Checking account?
The minimum deposit required to open a Freestyle Checking account is $25.00
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How do I set up Early Pay?
Early Pay is included with all Hancock Whitney checking accounts. Simply set up direct deposit with your account, and you'll automatically get access to your paychecks up to 2 days sooner.
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Is there a monthly charge for Freestyle Checking?
The monthly service charge for Freestyle Checking is $10.00, but you can easily waive the charge if you meet any of these criteria:
- Have 1 or more debit or credit transactions post to your account each statement cycle
- If you are under the age of 18 or over the age of 64
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What will I need to open my account?
To open a checking account with Hancock Whitney, you will need your social-security number, a valid, government-issued ID such as a driver's license or passport, and your minimum deposit.
1 Important details and required qualifying activities for the $200 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 6/30/2025. Set up and receive qualifying direct deposits totaling at least $300 each month by 8/31/2025. 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 10/31/2025. If you meet all requirements, we will deposit the earned bonus into your new personal checking account by 10/31/2025.
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 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 Overdraft Fees Terms: NSF items created by check, in-person withdrawals or other electronic means that overdraw (OD) an account may be charged $36.00 per item. If you have opted-in to the payment of ATM and everyday debit card (POS) NSF items into overdraft, we may assess OD fees on those items as well. We waive OD fees on the following: NSF items of $5.00 or less or overdrawn balances of $10.00 or less at the end of nightly batch processing. See our Truth in Savings Disclosure and Deposit Agreement for more information. We pay overdrafts at our discretion and do not guarantee that we will always authorize payment of any transaction. For example, we typically do not pay overdrafts if your account is not in good standing. If your account is overdrawn, you must immediately bring it to a positive balance. For additional details on the Bank’s OD practices see our Standard Overdraft Services, or visit a local financial center.
Hancock Whitney Bank, Member FDIC. All accounts subject to approval. Terms and conditions apply.
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