We're here to help
If you need financial assistance with flood recovery and rebuilding, we’re here for you. Visit us or call us. Thanks to the extraordinary dedication of our associates practically all of our branches are open and ready to serve you.
Special Recovery Assistance Loan
Rates as low as 3.99% APR 1
No payment for 90 days
Personal & Business Loans Available
- No collateral required
- Loans from $2,500 - $50,000
- You'll get up to 90 days to make your first payment
- Up to 24 month terms
- No up front fees to initiate (waived fees)
Apply by visiting a nearby branch or by calling 1-800-965-5626
1 Rate may vary based on credit history. No additional rate discounts apply. Repayment of a typical transaction with a loan amount of $10,000 over 24 months at 5.99% APR with the first payment due 90 days after loan closing will result in 22 monthly payments of $485.69. Finance charges will begin to accrue at closing, even though the first payment date is deferred. Deferring payments will result in a higher finance charge than if payments were made every month. Offer expires 9/30/16. Rates available for residents in FEMA declared disaster areas. Includes: Acadia, Ascension, East Baton Rouge, East Feliciana, Iberia, Lafayette, Livingston, Pointe Coupee, St. Helena, St. Landry, Tangipahoa, Vermilion, Avoyelles, Evangeline, Iberville, Jefferson Davis, St. Martin, St. Tammany, Washington, and West Feliciana Parishes as of last update to this website (8/17/16). Limited to new money requests only. Existing Hancock or Whitney Bank debt cannot be refinanced.
Payment and Fee Relief
For clients who have homes or businesses in FEMA declared disaster areas in Louisiana, we are offering extended disaster relief. We have made our best attempt to apply these waivers systematically. If you need help or have questions please contact a local branch or call 1-800-448-8812.
- No ATM fees will be charged to our clients for using an ATM not owned by us through the end of August. (Using an ATM not owned by us may involve fees by that operator).
- Our ATMs in affected areas will not charge fees to non-clients through the end of August.
- Personal Credit Card clients will not be required to make a payment in August and September and will not be assessed late fees.1
- Personal and small business loan clients may be eligible for a 60 day payment deferral. Please call or come see us to discuss.2
- Residential Mortgage clients are may be eligible to receive 90 day payment deferrals by calling 1-866-397-5370 or email3
1Personal Credit Card Disaster Relief: If you have not yet made your August payment and you need to “defer” or “skip” this payment, you may do so without contacting the bank. Additionally, we are automatically deferring all September payments due; even if your periodic statement says otherwise, your minimum payment due is $0. Payments due in August and September will not be considered or reported as late, and there will be no fees assessed. Deferring or skipping payments causes the following consequences: interest will continue to accrue on your outstanding balances; deferred payments will increase your finance charge; your October minimum payment may be higher than before the deferral and may not reduce your balance. If you prefer to make these payments or have questions, please call customer service to help calculate your normal minimum payment amount.
Personal Credit Card Auto Debit Payment Information for Disaster Relief: If you have scheduled automated payments for amounts other than the minimum payment due, and you wish to defer your September payment, you must contact customer service at least 3 business days before your scheduled payment date. Please call customer service if you have any questions.
Personal Credit Card Disaster Payment Relief Ends: Your contract minimum payment amount and fees will resume in October.
2Deferring a loan payment will extend the maturity date and interest will continue to accrue even though the payment has been deferred. All other loan terms will remain the same. Certain restrictions and elligibility requirements apply. Call us or see a banker for details.3Residential Mortgage Loan clients in FEMA declared disaster areas impacted by recent flooding may request up to a 90 day payment deferral at no cost. Elibibility requirements and certain restrictions apply. Please contact Mortgage Loan Servicing at at 1-866-397-5370 or email firstname.lastname@example.org for details.