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Priority Checking

Priority services for sophisticated banking needs.

Priority Checking is an interest-bearing personal checking account that maximizes your earnings while providing a higher level of security and support.

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The features and benefits of a Priority Checking account


Account Setup

The minimum deposit to open a Priority checking account is $25 with a $20 Monthly Service Charge.  The minimum daily balance to waive service charge is $5,000. 


Interest Sweep

Maximize interest with an automated sweep to a Priority Money Market account.

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Early Pay

Receive your paycheck up to two days sooner with Early Pay.1


Free Freestyle Checking Accounts

Priority Checking clients have the option of opening Freestyle Checking accounts with no monthly fees for easy budgeting or for use by teenagers or other family members.


Avoiding overdraft fees

You’ll never be charged an overdraft fee on NSF items of $5 or less, or if your account is overdrawn by $10 or less at the end of the business day.5

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Free Cash Withdrawals

Free cash withdrawals at all U.S. ATMs.

Waiving the Service Charge

$7,500 in combined deposits or consumer loans or credit card balances; or $250,000.00 or more in a Trust Account or in an account with Hancock Whitney Financial Consultants**.

Take your Priority Checking account on the go with our mobile app

Send and receive money with Zelle2

All you need is a valid email address or mobile phone number to securely send money to people you know and trust.


Deposit checks on the go3

Take a photo of the check with your smartphone, follow the prompts, and we’ll notify you when the deposit is complete.


Pay bills automatically

Schedule payments up to a year in advance and set up recurring payments so you never forget.

Want to explore more of our digital banking features?
Learn More
Download on the App Store
Get It On Google Play

IDProtect® and Credit Monitoring4

With IDProtect® and the IDProtect App, your identity and credit reports are continually monitored and you are notified immediately of any suspicious activity. Request a free credit report and your credit score quarterly to check for any inaccuracies. Service activation is required.

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Cell Phone Protection

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.

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Priority Checking not the right fit?

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I want an everyday checking account with flexible options.

Explore Freestyle Checking

Want to explore other ways to reach your financial goals?

Use our account finder

Frequently asked questions

1Early 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.

2U.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.

3Message and data rates may apply. Please check with your mobile service provider.

4Benefits 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.

5NSF 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.


**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. © Hancock Whitney 2024