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Freestyle Checking

Checking that’s just your style

Break free from monthly service charges! Freestyle Checking gives you the convenience you want in a personal checking account without the fees you don’t.

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Easily waive your monthly service charge*

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Receive your paycheck up to two days sooner with Early Pay1

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Mobile and Online Banking with Bill Pay and Mobile Check Deposit2

 

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Shop anywhere, anytime with Mobile Wallet3

Freedom to bank the way you want.

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Freestyle Checking Features and Benefits

Minimum Deposit to Open $25.00
Monthly Service Charge $10.00
HW $5 Pass No Overdraft or NSF Fees on Items $5 or Less4
Visa Debit Card® with chip technology Yes
Visa® Purchase Alerts Monitor your debit card purchases with Visa® Purchase Alerts5

Did you know?

*You can waive the $10 monthly service charge with any of these options:

  • Make one client-initiated debit or credit transaction per statement cycle
  • No required minimum daily balance or minimum direct deposit amount
  • Primary account owners younger than age 18 and age 64 and older pay no service charge

Not sure if this account is right for you?

Help me Decide

Show your team pride

Are you a true believer? Show your team spirit every day!

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Frequently Asked Questions

Still have questions? We have answers.

Find a Location

Call to speak with a banker today: 1-800-448-8812

1 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 After we have made the deposit available to you and you have withdrawn funds, you remain responsible if any deposit to your account is returned, rejected or uncollected by Hancock Whitney.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.

2Message and data rates may apply. Please check with your mobile service provider.

3Mobile Wallet is free, but data charges from your mobile carrier may apply.

4 Items created by check, in-person withdrawals or other electronic means that overdraft (OD) an account or are drawn on nonsufficient funds (NSF) may be charged $36.00 per item. If you have opted into the payment of ATM and everyday debit card (POS) transactions into OD, we may assess OD or NSF fees on these items as well. We waive OD/NSF fees on the following: items $5 or less or end-of-day account balances overdrawn or that would have been overdrawn by $5 or less. We will also assess a $36.00 Sustained Overdraft fee each time your account remains overdrawn for at least nine (9) consecutive calendar days. This fee is separate from your OD/NSF Fees already assessed. We waive this fee in certain circumstances. 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 to avoid additional fees. Visit a financial center or www.hancockwhitney.com/overdraft-protection-services for additional details on the Bank’s OD practices.        

5 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.