Assure Checking
Truth in Savings Deposit Account Information
Disclosure of Account Terms - EFFECTIVE JUNE 10, 2025
Thank you for giving us the opportunity to serve you. This is the account you have opened or inquired about. This information combined with the “Deposit Agreement – Terms & Conditions” and the Privacy Policy will provide a complete disclosure of the fees, terms, conditions and general rules governing the use of your account.
Checking Account: Assure Checking
Minimum to Open: $25.00
Monthly Service Charge: $7.00
Requirements to Avoid Service Charge
No service charges will be applied for primary account owners under the age of 18 if there is a valid date of birth on file.
Fees
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Account Closing Fee within one hundred eighty (180) days of opening: $20.00.
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Dormant Account: (No client-initiated debit or credit activity for one (1) year). No dormancy fees will be assessed.
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Overdraft Charge (also referred to by us as Overdraft Fee or OD Fee): We will not assess our standard $36.00 overdraft charge on this account for items created by check, in person withdrawals, ATM withdrawals or other electronic means.
Generally, all nonsufficient funds items (NSF items), will be declined and/or returned unpaid. Debit card transactions that would result in an overdraft may be declined.
Though we will return or decline transactions when the account’s available balance is insufficient, there may be situations where your account could become overdrawn.
While we will not assess overdraft fees when your account’s available balance is insufficient, a merchant or third party could charge you fees, such as returned item fees, for each item, every time they are presented to us and declined or returned unpaid.
If your account does become overdrawn, or your available balance becomes insufficient, you must immediately bring it to a positive balance to maintain your account.
For additional charges which may be applied to this account, please refer to the Other Fees for Commonly Used Services section of this document.
For other information about our standard overdraft services, please refer to that disclosure titled, “What You Need to Know About Overdrafts and Overdraft Fees” which you received when opening this account or the Deposit Agreement.
Account Features
Statements: Imaged statements are produced and delivered monthly, free of charge, in the Personal Digital Banking applications. Paper statements may be available, free of charge, upon request. Contact a banker, at any time, if you do not receive a statement for this account.
Special Feature: Upon request, this account may be converted to any other type of personal checking account after one (1) year following account opening.
Inactive Account: An inactive account is defined as an account having no client-initiated activity or contact for a period of 180 consecutive calendar days. Client-initiated activity reactivates an inactive account and includes deposits or withdrawals made in-person, by check, ATM or by electronic means. It does not include any interest, fees and charges assessed by the Bank. Please note that depositing funds via Mobile and Online Banking reactivates your account. However, with Mobile and Online Banking, if your account is inactive, you may not be able to transfer money out of your account. You can reactivate your account by visiting a Financial Center or calling our Contact Center at 1-800-448-8812 to speak to an associate. Your account should resume all normal activities by the next business day after contact or client-initiated activity has occurred. If your checking account has not had client-initiated activity or contact for 1 year, your account will become dormant, as disclosed in the “Dormant Account” section above and in the "Unclaimed Property and Dormant Accounts" section of the Deposit Agreement.
Account Closure: We may close any account, in our sole discretion, at any time, for any or no reason, and without notice to you. For example, if this account maintains a $0 balance for at least 60 consecutive calendar days, we may close this account.
Other Fees for Commonly Used Services
The following fees may be assessed against your account:
Check Printing Charges will vary depending on the style of the check ordered.
* There may be a surcharge assessed at ATMs you may use that we do not own, such as those housed at hotels, casinos or other network ATMs. A message will appear on the ATM screen to notify you if the surcharge applies.
As disclosed in the “Other Fees for Commonly Used Services” section above, when using a non-Hancock Whitney ATM, you may be charged a separate fee for each ATM withdrawal, transfer or balance inquiry performed during the ATM usage, plus any surcharges the ATM owner, operator or network may charge.
** We may charge a fee for cashing on-us checks for payees who are not the owners of a Hancock Whitney loan or deposit account. These payees also include payable-on-death beneficiaries or other beneficiaries on accounts; or authorized signers, who are not the account owners, on commercial or small business accounts. We may also require satisfactory identification to cash the checks and may deduct the fee from the cash remitted to such payees. Please see a banker for details.
*** We do not charge overdraft fees on Assure Checking Accounts.
Hancock Whitney Bank, Member FDIC. All accounts are subject to approval. Terms and conditions apply.
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