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Overdraft Services

Standard Overdraft Services

What you need to know about our personal standard overdraft services. 

Personal_IRAs

Life can be busy, which means sometimes you can lose sight of how much money is in your checking account. If your available balance drops below zero while taking care of life’s necessities, you may experience an overdraft. We offer options to better protect your finances and give you peace of mind.


Overdraft Protection Plans

HandyLine

How It Works: This HandyLine of credit protects your checking account by transferring funds up to the available credit line to cover your non -sufficient funds (NSF) items.

  • Transfer Amounts: $100 increments, up to the available credit line.

  • Transfer Fees: $10 per transfer; waived if you proactively make the transfer to cover a potential overdraft.

  • Eligibility to Open Account: Normal credit criteria apply.

Lines of Credit

How It Works: the Preferred Line of Credit and Home Equity Line¹ of Credit are generally used for large purchases, but they can also be linked to a checking account to provide overdraft protection. 

  • Transfer Amounts: Exact amount of overdraft up to the available line of credit.

  • Transfer fees: None

  • Eligibility to Open Account: Normal credit criteria apply.

Deposit Account Coverage

How it works: If you have either a personal savings or another personal checking account with us, you can link either one to your personal checking account as overdraft protection.

  • Transfer Amounts: Exact amount of overdraft up to the available balance in the linked account.

  • Transfer Fees: None

  • Eligibility to Open Account: Minimum opening deposit may be required; other criteria may apply. Withdrawal limits apply.


Overdraft Consideration

Checks, ACH, Automatic Bill Payments and Recurring Debit Card Transactions

How It Works:  We may, at our discretion, pay these NSF items into overdraft and may assess an overdraft fee on each NSF item.  

If we decide not to pay an item into overdraft, it will be returned for non-sufficient funds.

Overdraft consideration is automatically applied to these transactions.

ATM and Everyday Debit Card (Point of Sale) Transactions

How it Works: We will generally not authorize and pay these items into overdraft unless you ask us to, which we refer to as opting-in to this service.

If you opt-in and we authorize and pay these NSF items into overdraft, we may assess an overdraft fee on each NSF item paid into overdraft. Even if you do not opt-in, we may pay these items into overdraft if a sufficient available balance was available at the time of authorization, but not available at the time of settlement; however we will not charge you an overdraft fee.

You may change your opt-in election at any time by calling 1-800-448-8812, at a financial center, online at www.hancockwhitney.com and by using our mobile app.  It may take up to 72-hours to process your request.

No NSF Fees on Personal Accounts

 

No Overdraft Fee on Overdrawn Balances of $10 or Less

 

No Overdraft Fee on NSF Items $5 or Less

 

Overdraft Fee²:  $36 per item - these fees are waived on NSF items if your account balance at the end of nightly batch processing is, or would be overdrawn, by $10 or less, or on NSF items $5 or less. We will assess no more than 5 overdraft fees per account per day (Daily Limit).

Still have questions?

Read our frequently asked questions for more information on standard overdraft services.

Small business overdraft options are also available. Learn More or talk to a banker for more details.

Watch this video to learn more about how our standard overdraft services could work for you

We're committed to partnering with you and we're here to talk you through your options.

¹The Home Equity Line of Credit is not available as overdraft protection in Texas.

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of NSF item into overdraft. Even if we pay your account into overdraft, we maintain the right not to do so at any other time. If we do not authorize and pay your NSF transaction into overdraft, it will generally be declined and may not be paid into overdraft. If your account is overdrawn, you must immediately bring it to a positive balance.

²Under our standard overdraft services:

We may charge you a fee of $36.00 each time we pay an overdraft.

We will assess no more than 5 overdraft fees per account per day (Daily Limit). 

No overdraft fee will be imposed if, after nightly batch processing, your available balance is overdrawn $10.00 or less. However, if after nightly batch processing, your available balance is overdrawn by more than $10.00, you will be charged an overdraft fee for each overdraft for that day subject to the Daily Limit.