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Essential Business Checking

A business checking account with added convenience.

Ideal for new businesses, sole proprietors and low-transaction accounts with lower balances.

Open in Person

New Business Checking Client Offer

Earn up to $1,250

Experience business banking built around you and your business. Earn $5001 for opening a qualifying business checking account, and up to $7502 more by activating payment processing services to improve cash flow.

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SEE DETAILS & DISCLOSURES

Business checking bonus offer icon

The features and benefits of an Essential Business Checking account

 

No Monthly Service Charge

Pay no monthly service charge3 with an Essential Business Checking account

 

Services You Need

Up to 100 monthly transactions5 and up to $5,000 in monthly cash deposits6

 

Overdraft Protection

Ability to add overdraft protection through a Business Line of Credit or savings account4

 

Direct deposits

Send direct deposits to employees securely, on time and directly into their accounts8

 

Integration Convenience

Interface with software like Quicken® and QuickBooks® and grant varying levels of access to key users – even your CPA – and closely monitor account activity

 

Online statements

Receive email notifications7 with your Online Statements

We've upgraded

Our new business banking mobile app is packed with powerful features designed to give you more control over your business's finances.

Transaction Translator

Get a clearer picture of your expenses with enhanced display features that automatically categorize transactions.

 

Transaction Details

Get a breakdown of every transaction, with spending trends and custom notes so you can track patterns and make smarter decisions.

 

Account Details

Track revenue, expenses, and account balances in a single glance so you always know where your business stands.

 

Budgeting Tools

Create budgets, track spending, and get easy-to-understand strategies to strengthen your business's financial health.

 
Want to explore more of our digital banking features?
Learn More
 
Download on the App Store
Hancock Whitney Mobile App Google Play Store
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Meet your new debit card

Every Hancock Whitney business checking account comes with a Visa® business debit card. Discover the great benefits that come with your new card.

Learn More

Entrepreneur using her Hancock Whitney business debit card to make a purchase

Need to compare with our other business checking accounts?

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1 $500 Business Checking Bonus Requirements: Use the required promo code provided when opening a new Preferred Business Checking, Interest Business Checking, or Essential Business Checking account with new money not currently held by Hancock Whitney Bank before the offer expiration of 7/31/2026. To meet requirements, you must enroll in online banking and make at least $5,000 in qualifying deposits within the first 30 days from opening your business checking account. You must continue to maintain the $5,000 or more balance for the next 60 days to receive the payout.  If you meet the 90-day Requirements, the Offer Payout will be deposited into your Business Checking Account within 45 days.  

This offer is available to new-to-bank or existing Hancock Whitney checking clients who currently do not have a business or commercial checking account; have not closed a business or commercial checking account in the past 90 days; or did not have a checking account closed with a negative balance in the past three (3) years.

2 Up to $750 Payment Processing Bonus: To receive the Payment Processing Promotional Offer you must both apply and be approved for a new Merchant Services payment processing account and open a new business checking account1 before the offer expires on 7/31/2026. The following criteria will be used to determine your Payment Processing Promotional Payout amount:

  • To qualify for the $250 Payment Processing offer, you must (1) apply and be approved for a new Merchant Services payment processing account and, (2) activate the account by processing a minimum of $20 in total payment volume no later than the end of the second full calendar month after credit approval. If you meet all requirements within the two full month period, your $250 Bonus will be deposited into your eligible Hancock Whitney Business Checking account 30 days after the end of the two full month period during which the requirements were met. Example: If your account is approved on January 10, you must process at least $20 by March 31. Your $250 bonus will then be deposited within 30 days of March 31.

  • To qualify for the $500 Payment Processing offer, you must (1) apply and be approved for a new Merchant Services payment processing account and, (2) process between $5,000 and $7,499 in total payment volume no later than the end of the second full calendar month after credit approval. If you meet all requirements within the two full month period, your $500 Bonus will be deposited into your eligible Hancock Whitney Business Checking account 30 days after the end of the two full month period during which the requirements were met.  Example: If your account is approved on January 10, you must process at least $5,000 by March 31. Your $500 bonus will then be deposited within 30 days of March 31.

  • To qualify for the $750 Payment Processing offer, you must (1) apply and be approved for a new Merchant Services payment processing account that operates on the Clover platform and, (2) process $7,500 or more in total payment volume no later than the end of the second full calendar month after credit approval, and (3) enroll in Melio Pay Bills and/or Clover Payroll by ADP via the Clover Dashboard after your Merchant Services account has been approved and Clover account activated.  If you meet all requirements within the two full month period, your $750 Bonus will be deposited into your eligible Hancock Whitney Business Checking account 30 days after the end of the two full month period during which the requirements were met. Example: If your account is approved on January 10, you must process at least $7,500 by March 31. Your $750 bonus will then be deposited within 30 days of March 31.

The Merchant Services payment processing account must remain open and active until the bonus is paid after account activation.  Merchant Services Early Termination Fee and Monthly Minimum Fee applies.  The bonus will be deposited into your linked Hancock Business Checking account.

A new or existing Hancock Whitney Business Checking account is required for this offer and must be used to settle funds through the merchant services processing activities. The business checking account must remain open and active until the bonus is paid.

Based on the requirements you meet as defined above for the Merchant Services Payment Processing Bonus, your bonus will be posted to your Business Checking account.

Clover trademark and logo are owned by Clover Network, Inc., a First Data company.

Melio Pay Bills is a service provided by Melio Payments Inc. (“Melio”). Hancock Whitney Bank is not affiliated with Melio and does not provide, control, or guarantee Melio services. Enrollment in Melio Pay Bills is subject to Melio’s separate terms, conditions, and fees. Additional eligibility requirements may apply.

Clover Payroll by ADP®  is a service provided by Automatic Data Processing, Inc. (“ADP”). Hancock Whitney Bank is not affiliated with ADP and does not provide, control, or guarantee ADP payroll services. Enrollment in Clover Payroll by ADP® is subject to ADP’s separate terms, conditions, and fees. Additional eligibility requirements may apply.

All loans and accounts are subject to credit approval. Terms and conditions apply.
Hancock Whitney Bank, Member FDIC.

3 There is a $50 minimum deposit to open account. A $20 fee applies if account is closed within 360 days of opening account.

4 There is a $10 transfer fee for this service.

5 After 100 transactions, a fee of $.50 for each transaction over 100 applies.

6 If account exceeds $5,000 in cash deposits in a month, a charge of $0.25 per $100 in cash deposits will apply.

7 There is a $3.00 monthly service charge for mailed statements.

8 Direct Deposit Services can be accessed through Business Online Banking. Direct Deposit Service fee is $9.95/month.

Android and Google Play are trademarks of Google Inc., registered in the U.S. and other countries. 

Apple is a trademark of Apple Inc. registered in the U.S. and other countries.

QuickBooks and Quicken are registered trademarks of Intuit, Inc.

Visa is a registered trademark of Visa International Service Association and used under license.