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Freestyle Checking

Convenient checking for your busy lifestyle

Simplify your finances with Freestyle Checking, and waive the monthly service charge with everyday banking activity.

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Open in Person

New Client Offer

Get up to a $600 bonus.

New Hancock Whitney checking clients can get up to $600 after opening both Freestyle Checking and Freestyle Savings at the same time and meeting requirements.1,2

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The benefits of a Freestyle Checking account

 

Account setup

The minimum deposit to open a Freestyle Checking account is $25 with a $10 monthly service charge. See below for ways to waive the monthly service charge.

 

Early Pay

Receive your paycheck up to two days sooner with Early Pay.3

 

Overdraft protection

Link to another deposit account or a line of credit to protect against overdrafts. Learn more about overdraft protection at Hancock Whitney.

 

Fraud monitoring

Our fraud detection tools monitor your account for suspicious activity. Plus, you can set up facial or fingerprint recognition to protect your account. Learn more about account security.

 

Extra account security

Sign up for Visa® Purchase Alerts4 and you'll be alerted when your debit card is used to make a purchase over a specified amount.

 

Avoid overdrafts on smaller transactions

You'll never be charged an overdraft fee on NSF items of $5 or less, or if your account is overdrawn by $10 or less at the end of the business day.5

Take your Freestyle Checking account on the go with our mobile app

Send and receive money with Zelle®6

All you need is a valid email address or mobile phone number to securely send money to people you know and trust.

 

Deposit checks on the go7

Take a photo of the check with your smartphone, follow the prompts, and we'll notify you when the deposit is complete.

 

Pay bills automatically

Schedule payments up to a year in advance and set up recurring payments so you never forget.

 
Want to explore more of our digital banking features?
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Download on the App Store
Hancock Whitney Mobile App Google Play Store
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Be a card-carrying fan

When you open a Freestyle Checking account, you can select Visa® debit card designs featuring your favorite team. Choose from the purple and gold of LSU, the black and gold of the New Orleans Saints, and many more.

Hancock Whitney sports debit cards

1 Important details and required qualifying activities for the $300 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 10/31/2025. Set up and receive qualifying direct deposits totaling at least $500 each month by 12/31/2025. 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 2/28/2026. If you meet all requirements, we will deposit the earned bonus into your new personal checking account by 2/28/2026.

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 Important details and required qualifying activities for the $100 Freestyle Savings Offer: Use the promo code referenced above when opening your new Freestyle Savings account by the offer expiration date of 10/31/2025. You must deposit $5,000 or more into your Freestyle Savings account by 11/30/2025. Your account must remain open and active and you must maintain a minimum daily balance of $5,000 or more during the entire promotional period which includes up to when the bonus is paid by 2/28/2026. If requirements are met, we will deposit the earned bonus into your new Freestyle Savings account by 2/28/2026.

Promotion Requirements for the Freestyle Savings 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.

The bank may 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 savings-related bonus per household every 2 calendar years. Bonuses may be considered interest and may be reported on IRS Form 1099.

Freestyle Savings Account Terms and Conditions: $25 minimum opening deposit is required. Monthly service charge of $5 can be waived by the following: primary account holder is under 18 or age 64 and over with valid date of birth on file; or maintain a minimum daily balance of $250 or more; or have one or more client-initiated debit or credit transactions post to the savings account per statement cycle. If your account is closed within the first 180 days after opening, a $20 closing service charge will be assessed and we reserve the right to deduct the bonus amount from your account’s closing balance if applicable. The interest rate is variable and subject to change at the Bank’s discretion at any time without notice, before or after the account is opened. Fees may reduce earnings on the account. Please refer to the Truth in Savings Disclosure for other applicable fees and information.

 APY (Annual Percentage Yield) is accurate as of 08/31/2025.

Minimum Collected Balance

Interest Rate

APY (Annual Percentage Yield)

$0.00 - $9,999.99

2.48%

2.50%

$10,000.00 - $24,999.99

2.72%

2.75%

$25,000.00 - $100,000.00

2.97%

3.00%

$100,000.01+

0.05%

0.05%

 

You will receive the additional bonus amount of $200 if you open both accounts at the same time and meet all requirements and it will be deposited into your checking account by 2/28/2026.

3 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.

4 Visa Purchase Alert Terms: Actual time to receive a transaction alert is dependent on wireless service and coverage within area. Message and data rates may apply. Some PIN-based debit transactions may be routed through non-Visa networks. Transactions routed through non-Visa networks will not trigger a purchase alert. For more information about Purchase Alerts, including any limitation and restrictions, go to www.hancockwhitney.com/purchase-alerts.

5 Overdraft Fee 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.  

6Zelle® Terms: U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. Only send money to people you know well and trust. If you don't know the person you are paying or are unsure you will receive what you are purchasing, then we don't recommend you use Zelle® for the transaction. Once you have authorized and made a payment through Zelle®, it may not be possible to reverse the payment or recover the funds.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

7 Mobile and Online Banking, Bill Pay and Mobile Check Deposit Terms: Message and data rates may apply. Please check with your mobile service provider.

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Hancock Whitney Bank, Member FDIC and Equal Housing Lender Logo 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. © Hancock Whitney 2025

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