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 2/28/2027. 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 2/28/2027. 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.

¹ Important details and required qualifying activities for the Freestyle Checking and Freestyle Savings offers: Use the required promo code when opening your new checking and/or savings account by the offer expiration date of 8/31/2026. The email given at account opening must match the email address submitted to get the offer promo code. Receive a $300 bonus when you open a Freestyle Checking account and set up and receive a total of $3,000 or more in direct deposits within the first 90 days of opening. Receive a $100 bonus when you open a Freestyle Savings account and deposit $5,000 within 30 days of opening and maintain a $5,000 minimum daily balance for 60 days. Receive an additional $200 bonus when you open both accounts at the same time and meet all requirements. If you meet all requirements listed for either account or both, we will deposit the earned bonus and additional bonus if applicable into your new personal checking account and/or savings account within 135 days of opening your new accounts. The checking bonus will be applied to the checking account, while the savings bonus and additional bonus (if applicable) will be applied to the savings account. Account(s) must be open and with a positive balance at the time of bonus award, otherwise bonus is forfeited.

Offer available to new Hancock Whitney checking clients 18 years of age or older. 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.

A qualifying direct deposit is a recurring electronic payment, such as payroll, pension, Social Security, or other government or monthly income, made by an employer or external agency. It does not include transfers between your own accounts, non-recurring payments from services like Zelle, PayPal or Cash App, tax refunds, stimulus payments, wire transfers or deposits made at a branch, ATM, by mail, mobile device, or online transfer.

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 savings-related bonus and one consumer checking-related bonus per household every 2 calendar years and a household lifetime maximum of 2 checking and/or 2 savings bonuses. Bonuses may be considered interest and may be reported on IRS Form 1099.

1. Freestyle Checking and Freestyle Savings Account Terms and Conditions: A $25 minimum deposit required at account opening for each account. If the checking account is closed within the first 180 days after opening, a $20 closing service charge is assessed and we reserve the right to deduct the bonus amount from the account closing balance. Your new savings account will have a $20 early closure service charge applied to the available balance for the first 180 days. If savings account remains open beyond 180 days, the early service closure charge is released and added back to the available balance. Refer to the Freestyle Checking and Freestyle Savings, Truth in Savings Disclosures for additional details, all applicable fees and information on your new accounts. Refer to the Freestyle Checking and Freestyle Savings Truth in Savings disclosures for details regarding applicable fees and additional information on your new accounts.

Freestyle Checking $10 monthly service charge can be waived by the following: primary account holder under 18 or age 64 and over with a valid date of birth on file, or have one or more client-initiated debit or credit transactions post to the checking account per statement cycle.

Freestyle Savings $5 monthly service charge can be waived by the following: primary account holder under 18 or age 64 and over with a valid date of birth on file, or have a minimum daily balance of $250.00 or more, or have one or more client-initiated debit or credit transactions post to the savings account per statement cycle Fees may reduce earnings.

APY (Annual Percentage Yield) is accurate as of 07/09/2026.