Savings Builder

The ideal solution to help you reach your savings goals.

Start building your financial dreams and keep ready access to your cash with this economical savings account.

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The features and benefits of a Savings Builder account

Account setup

The minimum deposit to open a Savings Builder account is $25 with a $5 monthly service charge. Discover ways to waive the monthly service charge.

Withdrawals

3 free withdrawals each month, and additional withdrawals are only $3 each. Fees may reduce earnings.

Earning interest

There is no minimum balance to earn interest. You’ll make money on every dollar!

Early Pay

Receive your paycheck up to two days sooner with Early Pay¹

Automatic transfers

Establish savings routines with automatic transfers from your checking account.

ATM access

Link your existing Visa^® Debit Card for easy access at hundreds of ATMs across the region.

It's easy to waive monthly service charges

You can waive the $5 monthly service charge with any of these options:

Maintain a $200 minimum daily balance.
Link your Savings Builder account to a Connect, Priority or Private Wealth checking account.
If the primary account holder is under age 18 or age 65 and older.

Bank where you want, when you want

Get the convenience of banking on the go or at home, with digital tools that put your account at your fingertips.

Deposit checks on the go²

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.

Schedule transfers

Set up and schedule automatic transfers from your checking account into your savings account directly from the app.

Want to explore more of our digital banking features?

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Savings Builder not the right fit?

I'm interested in a standard savings account to meet everyday needs.

Explore Freestyle Savings

I'm interested in saving for short-term & long-term goals with guaranteed fixed rate returns.

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Frequently asked questions

Savings Builder Terms and Conditions: $25 minimum opening deposit is required to open account. No minimum balance is required to earn interest. $5 monthly service charge waived with $200 minimum daily balance, or if the account is linked to a Connect, Priority or Private Wealth checking account, or the primary account holder is under 18 or age 65 and older if there is a valid date of birth on file. The Bank will charge a $3 transaction fee for any withdrawal in excess of three per month. If your account is closed within the first 180 days after opening, a $20 closing service charge will be assessed. Fees may reduce earnings. Please refer to the Truth in Savings Disclosure for other applicable fees and information. Note that the interest rate is variable and subject to change, at the Bank's discretion at any time, without notice, before or after the account is opened.

¹Early 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.

²Mobile and Online Banking, Bill Pay and Mobile Check Deposit Terms: Message and data rates may apply. Please check with your mobile service provider.

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Hancock Whitney Bank, Member FDIC and 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 2025

The ideal solution to help you reach your savings goals.