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Liquidity and cashflow are essential to the health of your business. From traditional business savings accounts to money markets, our savings options offer a dedicated source of funds you can put to work for your business.
Your business needs a trusted partner to manage your savings. Our business savings account is designed for small business, helping you grow your savings while maintaining access to funds. Low balance requirements allow you to avoid monthly fees and start earning interest on any balance.
Looking to maximize your savings in a low-risk setting? Money Market accounts offer competitive interest rates and easy access to your funds to help maintain liquidity. With tiered interest rates based on your balance, the more you save, the more you’ll earn. A qualified Hancock Whitney business checking account is required to open this account.
CDs help your business prepare for short-term and long-term goals with guaranteed fixed-rate returns. Available in a variety of term lengths, CDs are a risk-free investment option to help your money grow until you need it most. If you have excess funds that you don’t need to access for a specified length of time, you receive a higher rate.
Our side-by-side feature chart will help you consider the details.
| Business Savings | Business Preferred Money Market Account 2, 3 | Certificate of Deposit | |
|---|---|---|---|
| Minimum deposit to open |
$100 |
$100 |
$1,000 |
| Monthly service charge |
$3 |
$25 |
N/A |
| Minimum daily balance to waive charge |
$200 |
$25,000 |
N/A |
| Average collected balance to earn interest |
All collected balances |
$25,000 |
All collected balances |
| Withdrawals1 |
3 free withdrawals per month, otherwise $3 |
6 free withdrawals per month, otherwise $15 |
N/A |
| Telephone Banking |  |
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| Online Banking Access | |
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View only |
1 Federal regulations limit savings and money market accounts to six pre-authorized or electronic payments, withdrawals, or outgoing transfers per month. This includes account transfers or payments initiated by telephone, mobile banking and online banking, as well as automatic debits and transfers (such as automatic bill payments and overdraft protection services).
2 Eligible checking for the Preferred Money Market are limited to Preferred Business Checking, Essential Business Checking, and Interest Business Checking accounts that have a minimum of 5 client-initiated debit or credit transactions in the statement cycle. If you do not have one of the eligible checking account types or if your linked checking account does not meet the minimum number of transactions, your Preferred Money Market Account will earn the default interest rate and APY. Refer to the Business Services Information Disclosure Schedule of Fees for full details and rates.
3 The first 100 items deposited per month are free. A $0.50 per item fee applies for each additional item over 100.
Hancock Whitney Bank, Member FDIC. All accounts subject to credit approval. Terms and conditions apply.
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. Copyright © 2020 Hancock Whitney Bank.
