1. 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.

2. 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 into the payment of ATM and everyday debit card (POS) transactions into OD, we may assess OD fees on those items as well. We waive OD fees on the following: NSF items of $5 or less or overdrawn balances of $10 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. Visit a financial center or www.hancockwhitney.com/overdraft-protection-services for additional details on the Bank’s OD practices.

3. All account applications are subject to approval. $25 minimum opening deposit is required. Monthly service fee of $10 can be waived by the following: primary account holder under 18 or age 64 and over or make one or more client-initiated debit or credit transactions per statement cycle to waive the service charge. No minimum daily balance or minimum direct deposit amount is required to waive the service charge. If your account is closed within the first 180 days after opening, a $20 service charge will be assessed and 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.