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Priority Checking Account Terms and Conditions: Minimum opening deposit of $25 required. The monthly service charge of $20 can be waived if you maintain one or more of the following: a minimum daily collected balance of $5,000 or more; or $7,500 in combined deposits (excluding CDs and IRAs) or consumer loans (excluding mortgages) or credit card balances; or $250,000 or more in a Trust account or account (excluding annuities) with Hancock Whitney Financial Consultants*. A Priority Checking account cannot be linked to any other Priority, Connect, or Private Wealth checking account for combined balance calculations. A $20 service charge will be assessed if the account is closed within the first 180 days after the account is opened. If your account is closed within 180 days after opening, we reserve the right to deduct the bonus amount from your account’s closing balance. Please refer to the Truth in Savings Disclosure for other applicable fees and information if applicable.

¹ Rebated ATM Fee Terms: Priority Checking account debit card holders enjoy a refund of the surcharge fees for cash withdrawals made at all U.S. and international ATMs. All Visa international fees are non-refundable.

² Zelle^® Terms: U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. Only send money to people you know well and trust. If you don't know the person you are paying or are unsure you will receive what you are purchasing, then we don't recommend you use Zelle® for the transaction. Once you have authorized and made a payment through Zelle®, it may not be possible to reverse the payment or recover the funds.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

³ Mobile and Online Banking, Bill Pay and Mobile Check Deposit Terms: Message and data rates may apply. Please check with your mobile service provider.

⁴ ID & Security Protect Terms: Benefits 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. Special 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.

Insurance Products:

NOT BANK GUARANTEED BY THE BANK OR AN AFFILIATE OF THE BANK

NOT INSURED BY THE FDIC OR ANY FEDERAL GOVERNMENT AGENCY

NOT A DEPOSIT OF THE BANK OR AN AFFILIATE OF THE BANK

⁵ Priority Checking Cell Phone Protect Terms: Auto-pay your monthly cell phone bill with your Visa Debit Card and you’ll qualify for up to $250 in coverage if your phone is ever stolen or damaged. Certain terms, conditions and exclusions apply. See the Guide to Benefits, included with your new Visa Debit Card, for further details.

⁶ Early Pay Terms: 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.