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
Compare Accounts
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
Learn More Learn More Learn More
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 or NSF Fees on Items $5 or Less No Overdraft or NSF Fees on Items $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
No Monthly Service Charge On Any Linked Silver Savings Account Yes
Increased Daily Debit Card Spending Limits Yes
Link with Priority Money Market to earn interest Yes
Free Annual Investment Analysis** Yes
No Monthly fee on unlimited Freestyle Checking Accounts Yes

Need help finding your right fit?

Answer a few simple questions and we'll suggest the right account for you.

Help me decide

Open Assure Checking Now

Open Freestyle Checking Now

Open Priority Checking Now

Still have questions? We have answers.

Find a Location

Sound advice from our Insights Blog

Threading the Needle: The Fed Faces a Formidable Challenge

Last week the Fed announced a 0.75% increase to the Federal Funds rate as heightened inflation continues to plague markets, businesses, and consumers. One could argue the beginnings of our current inflation problem dates back to early 2020 as the pandemic warranted extraordinary government and central bank actions to prevent financial collapse. These policy decisions that led to a couple of years of historically low interest rates and trillions of dollars pumped into the economy by central banks and governments across the globe are now contributing factors to our new inflation problem. And for clarity, the policy decisions at the time were needed and beneficial, but the magnitude and the time in which the stimulus lasted is the more likely culprit.

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 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.

 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.
 

**Hancock Whitney Investment Services, Inc. is a registered broker/dealer, member FINRA/SIPC and an SEC Registered Investment Advisor. Hancock Whitney Investment Services, Inc. is a wholly owned subsidiary of Hancock Whitney Corporation.

Investment and Insurance Products:

NO BANK GUARANTEE NOT A DEPOSIT MAY LOSE VALUE NOT FDIC INSURED
NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

 

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 © 2022 Hancock Whitney Bank.
Back to Top