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 After we have made the deposit available to you and you have withdrawn funds, you remain responsible if any deposit to your account is returned, rejected or uncollected by Hancock Whitney.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