What is generational or family wealth management? Simply put, it’s a strategy for passing wealth to future generations, and it goes beyond basic family financial planning or having a will.
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.
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
|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||$0||$0||$5,000.00|
|Service Charge Is Also Waived||For under age 18||With one qualifying transaction per month or for clients under the age of 18 or age 64 or over.*||
With certain average combined deposit and loan balances of $7,500 or more
|No overdraft fees for certain transactions4||No overdraft fees||No overdraft fees on transactions of $5 or less or overdrawn balances of $10 or less.||No overdraft fees on transactions of $5 or less or overdrawn balances of $10 or less.|
|No Non-Sufficient Funds (NSF) Fee||$0||$0||$0|
|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.5,6|
|Rebated Cash Withdrawal Fees at all U.S. ATMS|
|Free Wire Transfers|
|Visa® Purchase Alerts4||Monitor your debit card purchases with Visa® Purchase Alerts||Monitor your debit card purchases with Visa® Purchase Alerts|
|No Monthly Service Charge On Any Linked Savings Builder Account|
|Increased Daily Debit Card and ATM Spending Limits|
|Link with Priority Money Market to earn interest|
|Complimentary Annual Investment Analysis with Hancock Whitney Financial Consultants**|
|No Monthly fee on unlimited Freestyle Checking Accounts|
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*Age requirement for the primary account owners provided there is a valid date of birth on file.
1 Message and data rates may apply. Please check with your mobile service provider.
2 Mobile Wallet is free, but data charges from your mobile carrier may apply.
3 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.
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-in to the payment of ATM and everyday debit card (POS) NSF items into overdraft, we may assess OD fees on those items as well. We waive OD fees on the following: NSF items of $5.00 or less or overdrawn balances of $10.00 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. For additional details on the Bank’s OD practices see our Standard Overdraft Services, or visit a local financial center.