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Personal Checking Accounts

Safe and Easy Access to Your Funds

From beginners just getting started, to busy families who need convenience and value, to those with more sophisticated financial needs, we have checking accounts for every lifestyle.

Every account comes with great service & powerful tools

Mobile and Online Banking

Mobile and Online Banking with Bill Pay and Mobile Check Deposit1

Mobile Wallet

Mobile Wallet2 and Visa® Debit Card.

Early Pay
Get paid up to 2 days sooner with Early Pay.3
Security
Enhanced security features
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This side-by-side comparison chart will help you sort through the details		 Assure Checking Freestyle Checking Priority Checking

Simple checking account with basic features and no overdraft fees.

Convenient checking with great must-have features for everyday banking.

Interest-bearing checking account with premium features and benefits. Check Rates
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Minimum Deposit to Open $25.00 $25.00 $25.00
Monthly Service Charge $7.00 $10.00 $20.00
Minimum Daily Balance To Waive Service Charge $- $- $5,000.00
Service Charge Is Waived For under age 18 With one qualifying transaction per month or for clients under the age of 18 or age 64 or over.*
Certain average combined deposit and loan balances of $7,500 or more
HW $5 Pass4 No Overdraft Fees on NSF items of $5 or less. No Overdraft Fees on NSF Items of $5 or Less
Access to your credit score5,6 Track your monthly credit score with IDProtect ScoreTracker Track changes to your credit report and score monthly, along with total identity monitoring through IDProtect with Credit Monitoring.
Rebated Cash Withdrawal Fees at all U.S. ATMS Yes
Free Wire Transfers Yes
Visa® Purchase Alerts Monitor your debit card purchases with Visa® Purchase Alerts Monitor your debit card purchases with Visa® Purchase Alerts4
No Monthly Service Charge On Any Linked Savings Builder Account Yes
Increased Daily Debit Card Spending Limits Yes
Link with Priority Money Market to earn interest Yes
Complimentary Annual Investment Analysis with Hancock Whitney Financial Consultants** Yes
No Monthly fee on unlimited Freestyle Checking Accounts Yes

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Still have questions? We have answers.


Call us at 1-800-448-8812
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Sound advice from our Insights Blog

Smart Ways to Use a Home Equity Line of Credit

With a home equity line of credit, or HELOC, the equity you’ve built in your home can be a convenient source of funds to help pay for nearly anything. But just because you can use your equity for, say, a wardrobe update, doesn’t mean you should — especially since your home will be used as collateral. Understanding what a HELOC is best used for (and what it’s not) can help you maintain financial well-being and stay on a path to reach your goals.

Get more Insights >

 

*Age requirement for the primary account owners provided there is a valid date of birth on file.

1Message and data rates may apply. Please check with your mobile service provider.

2Mobile Wallet is free, but data charges from your mobile carrier may apply.

3Early 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 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 into the payment of ATM and everyday debit card (POS) transactions into OD, we may assess OD fees on these items as well. We waive OD fees on the following: NSF items of $5 or less or overdrawn balance of $10 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 to avoid additional fees. Visit a financial center or www.hancockwhitney.com/overdraft-protection-services for additional details on the Bank’s OD practices.

 5Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account owner who are residents of the same household. Credit file monitoring may take several days to begin following activation. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. 
 
6Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefits and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefits or on the certificate of insurance. Registration and activation for these services is required.

**Financial Planning services may only be offered by Investor Adviser Representatives. Although the service is free, certain recommended products may have fees.

Check the background of this investment professional on FINRA’s BrokerCheck

Located at: Hancock Whitney Financial Consultants, 525 Florida Avenue SW, Denham Springs, LA 70726, 1-800-385-4188

Hancock Whitney Financial Consultants is a marketing name of Cetera Investment Services. Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with Hancock Whitney Bank where investment services are offered or Hancock Whitney Corporation. Individuals affiliated with Cetera firms are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

Investments are: *Not FDIC insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

Click here to view Cetera Investment Services Important Information and Business Continuity Plan.

This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com

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. Copyright © 2023 Hancock Whitney Bank.
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