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 After we have made the deposit available to you and you have withdrawn funds, you remain responsible if any deposit to your account is returned, rejected or uncollected by Hancock Whitney.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.