Deposits

• What is my new checking account and routing number?

  Great news - your checking account number and routing number will not change.

• Will I receive new checks?

  No, continue using your current checks. When it’s time to reorder, the checks you will receive will be Hancock Whitney Bank-logo-ed checks.

• Do I need to alert my employer regarding my new routing number for my direct deposit?

  No. Your routing number and account number remain the same, so your direct deposit will continue as usual. You don't need to make any changes.

• How will this affect my interest rates (CD, Loans, Checking Savings)?

  We intend to maintain current rates on certain deposit products through December 31, 2026. Following that date, accounts may be transitioned to the rate available on the corresponding Hancock Whitney product at that time, depending on the product type. Please review the Transition Guide for additional details, and contact a Hancock Whitney associate after November 9, 2026 to discuss your specific account.

• Where can I learn more about the products and services Hancock Whitney Bank offers?

  Your Transition Guide will provide details about your account, including any changes to your account terms, as well as information about other Hancock Whitney account options. You can also visit our website at hancockwhitney.com to learn more about all of our banking products and services.

• What account type will I have and what are the requirements?

  We've taken a thoughtful approach to transitioning your current One Florida Bank account to the Hancock Whitney Bank account that most closely aligns with your banking relationship today. You will receive a Transition Guide via mail (and online) that includes details about your new account type, its features, and any applicable requirements.

• If I don’t like my account product type, how can I change it?

  After our systems are fully integrated, you can visit the Hancock Whitney financial center most convenient for you to discuss other account options with your banker. We'll be happy to help you find an account that best fits your needs.

• Will my overdraft protection transfer to my new HW account?

  Yes. If you currently have transfers from another deposit account set up for overdraft protection on your One Florida Bank account, it should transfer over to your new Hancock Whitney account as part of the transition. After our systems' integration is complete, please visit your banker to review your transfers and discuss your options for overdraft protection.

• How can I find out more about Hancock Whitney Bank’s fees?

  You will receive fee information in your Transition Guide and related transition materials. The fee schedule provided will correspond to your specific Consumer, Business, or Treasury Services account relationship.

• Do you offer a checking account without service fees?

  Hancock Whitney offers several checking account options with opportunities to avoid monthly service charges. Our Freestyle, Priority, and Assure consumer checking accounts each provide ways to have service fees waived, such as maintaining a qualifying balance or meeting other account requirements. To compare checking account features, requirements, and fee information, please visit hancockwhitney.com/compare-checking-products or refer to your upcoming Transition Guide.

• I need time to get used to your new products, will there be a “service fee” grace period?

  We are committed to making the transition as smooth as possible for our clients. To support our customers during the integration period, eligible service fees will be waived through December 31, 2026. Other fees, including overdraft fees, returned item fees, wire transfer fees, and other transaction-related charges, will continue to apply according to the applicable account agreement and fee schedule.

• My One Florida Bank account was a money market account, but now it is a checking account. Why is that?

  We matched your One Florida Bank account to the Hancock Whitney Bank account that best fit your banking needs based on factors such as your account balance and how you typically used the account.
  
  As a result, your new Hancock Whitney account may be different from your previous account and may or may not earn interest.
  
  If you'd like to explore other account options, we'd be happy to help. Please visit a financial center or speak with a banker to discuss available accounts and find the one that best meets your needs.

Debit Cards

• How long will my One Florida Bank debit card remain active?

  Your One Florida Bank debit card will continue to work until your account transition is complete. We expect the transition process to be completed by end of day, Saturday, November 7, 2026. Once the transition is complete, your new Hancock Whitney debit card will be ready to use.

• When can I begin to use my new debit card?

  Your new Hancock Whitney debit card will arrive in October. Please keep it in a safe place until you receive a letter and email with important details about the transition. Your new Hancock Whitney debit card will be available for use as early as November 7, 2026.

• Why am I failing authentication when calling the IVR to activate my Hancock Whitney Bank Business debit card?

  Businesses must use the last 4 digits of their Business TIN in place of the SSN.

• Are there any debit card limits?

  Yes, ATM and Point of Sale daily limits for your Hancock Whitney Bank debit card will be included with your transition package.

• Will my debit card PIN remain the same? How can I change my PIN?

  Your current One Florida Bank debit card and PIN will continue to work as they do today until you receive and activate your new Hancock Whitney debit card. When it's time to activate your new Hancock Whitney debit card, you will select your own PIN.  Additional instructions will be provided with your new debit card.

• Will I need to set up recurring debit card transactions with my new Hancock Whitney debit card?

  Yes. When you receive and later activate your new Hancock Whitney debit card, you will need to update any recurring payments that are tied to your current One Florida Bank debit card. This may include subscriptions, streaming services, utility payments, online merchants, and other automatic recurring transactions. To help avoid any interruption in service, please update your payment information as soon as possible after activating your new debit card.

• I live overseas; can you extend the time that I can use my old card?

  We understand your concern; however, the date your One Florida Bank debit card will stop working cannot be extended. All One Florida Bank debit cards will be automatically deactivated effective November 9, 2026.  You will receive a letter and email with instructions on when to activate and begin using your new Hancock Whitney debit card.  Your new card will be sent well before the transition date.

• I travel frequently - is there anything I need to do prior to my travels?

  Travel plans are not required for domestic travel with your Hancock Whitney debit card.  For international travel, you can set multiple travel plans in the Hancock Whitney mobile app or by calling 800-448-8812.

• I can’t use my debit card. It seems blocked. What do I do?

  Until the transition is complete, One Florida Bank associates will continue to assist with any questions or issues related to your One Florida Bank debit card. Please contact One Florida Bank for support with card-related concerns before the transition date. Once you transition to your new Hancock Whitney debit card, please call 800-448-8812 or visit your local financial center with questions or issues related to your debit card.

• Will I receive debit card fraud alerts? How do they work?

  Until the transition to Hancock Whitney is complete, there are no changes to your One Florida Bank debit card fraud alerts. You will also receive fraud alerts with your new Hancock Whitney debit card. Fraud alerts are delivered through SMS/text and email.

• I lost my debit card, can I pick up a new one at a financial center?

  Yes, if you lost your One Florida Bank debit card, you can still get a new one in the One Florida Bank financial centers through end of day Friday, November 6, 2026.

• My middle initial was on my One Florida Bank debit card, why isn't it on my new Hancock Whitney Bank debit card?

  Middle names and initials are not included on Hancock Whitney Bank debit cards due to space limitations. If you have questions regarding the name on your card, please call 800-448-8812 for further assistance.

• Why can’t I see my debit cards in the Hancock Whitney mobile app?

  On Tuesday, November 10th, debit cards and card controls will be available in the mobile app.

Loans

• Will my automatic loan payments transfer?

  Any automatic loan payments scheduled through One Florida Bank's online banking or mobile app will not transfer to Hancock Whitney's digital banking systems. Once Hancock Whitney online and mobile banking are available, you will need to set up your recurring loan payments again.

• How do I make loan payments?

  Please continue to make your regularly scheduled loan payments as outlined in your original contract documents. You will begin to receive new statements from Hancock Whitney Bank after November 6, 2026 with updated payment instructions.

• What is your loan payment address? How can I make loan payments?

  After November 6, 2026,  you may use any of the following methods to make loan payments:

  • Set up a transfer in Online Banking.
  • Mail your payment to the address listed on your loan statement.
  • Most clients enrolled in auto-debit loan payments will see no change to their payment schedule. In the limited number of cases where updates are needed, affected clients will receive a separate letter with additional information and any required next steps.
    • Payments scheduled through Online Banking or the mobile app will continue to process through November 6, 2026. After the transition, you will need to re-establish your payees and reschedule any recurring or future-dated payments.

• Will my interest rate change on my loan?

  All of the terms and conditions of your loans and lines of credit will remain the same.

• My mortgage payment used to be automatically drafted out of my account. Will the loan payment still be auto debited?

  Until our systems integration is complete, payments will continue to be auto drafted if you are currently set up on an automatic payment schedule. Clients will receive notification telling them whether or not their automatic payments will continue.

• I’ve already submitted a mortgage loan application with One Florida Bank. Do I need to reapply with Hancock Whitney Bank?

  No. Applications submitted before the transition will continue to be reviewed and processed. If there are any changes that affect your application or if additional information is needed, you will be contacted directly.

• Why can't I see my mortgage loan information after the conversion?

  After November 6, 2026, our mortgage sub-servicer, Dovenmuehle (DMI), conducts a required audit of all transferred loans from November 9 through November 13 to verify balances, due dates, payment amounts, and other loan details. During this validation period, detailed loan information is unavailable, including to DMI customer service representatives. As a result, the loan will not appear in online banking, related accounts, or our internal systems. Loan information is expected to be available internally on November 16, 2026 and visible in online banking and related accounts for most customers on November 17, 2026.

Mobile and Online Banking - General

• What's happening to my online banking?

  We're upgrading to a new online banking platform. Your accounts and balances will transfer automatically. Once you receive your activation email, you can begin using Hancock Whitney Online & Mobile Banking. The platform transition will take place the weekend of November 7-8, 2026.

• How can I prepare for the transition?

  Most clients don't need to take action beforehand. A few groups do have steps to complete — bill pay users, business Zelle users, and small business clients setting up business online banking. We will provide all of that detail in upcoming communications and your transition guide.

Mobile and Online Banking - Logging In: Username and Password

• Will I keep my current username?

  In most cases, yes — your username will carry over automatically and you won't need to do anything.

• Do I need to reset my password?

  Yes — everyone will need to reset their password. You will receive an email over conversion weekend with a secure link and instructions.

• What if I don't receive the activation email?

  Check your spam or junk folder first. If you still don't see it, contact us at 800-448-8812 and we'll help you get logged in.

Mobile and Online Banking - Bill Pay

• Will my bill pay payees and scheduled payments transfer automatically?

  No. Your existing Bill Pay payees and scheduled payments will not transfer to the Hancock Whitney mobile and online banking platforms. After conversion, you'll need to re-enter your payees and set up any recurring or future-dated bill payments.

• What happens to payments I already have scheduled?

  Any payment scheduled to be processed on or before Friday, November 6, 2026, will be processed as scheduled. Payments scheduled for after November 6, 2026, will not transfer and will not be processed. Please make alternative payment arrangements and re-establish any future-dated or recurring payments in Hancock Whitney’s digital banking platform after the transition.

• When can I set up bill pay again?

  You can set up Bill Pay starting Monday, November 9, 2026 once your new Hancock Whitney system is live. Log in and visit Bill Pay to re-add your payees and reschedule your payments.

• How are bill payments processed?

  Bill payments are processed either electronically through the Automated Clearing House (ACH) network or by paper check, depending on the billing company and payment method available.

• When do the funds debit my account for a bill payment?

  Users can schedule one-time or recurring payments to Payees by selecting the "Deliver By" date suitable for you. For payments made via ACH, we will debit your Bill Pay Funding Account on the scheduled Deliver By date. If the scheduled Deliver By date is a weekend or another non-Banking day, we will move the Deliver By date to the prior Banking Day.

• How long will I have access to my One Florida Bank account information in OLB and mobile?

  You will lose your access to your One Florida Bank mobile and online banking after our systems integration begins on November 6, 2026. You can prepare for the transition by documenting all the information you access regularly.

Mobile and Online Banking - Zelle^® for Business

• Can I still use personal Zelle® for my business account?

  No. Personal Zelle® can only be used for personal transactions. To send or receive payments for your business, you will need to enroll in Hancock Whitney's Zelle® for Business service.

Mobile and Online Banking - Small Business Online Banking Setup

• I have a small business account — will someone help me set up business online banking?

  Yes. Small business clients will be contacted ahead of our systems transition for a walkthrough of business online banking setup.

• I'm a small business client and I haven't been contacted yet - what should I do?

  Outreach will begin ahead of our November 6, 2026 transition date. 

Business and Treasury Services

• I am a business client - how can I process payroll, send wires, check positive pay, use ACH services, Merchant Service?

  We understand these services are critical to your business operations. Your Transition Guide and additional communication will outline the steps needed to transition services such as payroll, wires, ACH, Positive Pay, and merchant services. You will also have access to your Relationship Manager and Hancock Whitney Treasury Services representatives, who can provide personalized support and resources throughout the transition process. Please visit: https://www.hancockwhitney.com/ofb-treasury-faqs.

• How can I complete a wire transfer? Are there wire transfer fees?

  If you are a current wire transfer client at One Florida Bank, you will receive a series of communications designed to help you transition to Hancock Whitney's wire transfer system. These communications will include important information about enrollment, system access, and any actions required before conversion. Information regarding wire transfer fees will also be provided as part of the transition process.

• What types of services do you offer for my business account?

  Hancock Whitney offers a wide range of banking solutions for businesses of all sizes, including deposit accounts, treasury management services, lending solutions, and digital banking tools.  For more information about our business products and services, please visit hancockwhitney.com or speak with a banker.

Access

• Who can I call if I have questions about my account?

  Please continue to contact your One Florida Bank branch, banker, or use the contact form the One Florida Bank website with any questions about your account until our systems are fully integrated. During this transition period, the Hancock Whitney Contact Center will not have access to your account information and will be unable to assist with account-specific requests or questions.

• What happens to my safe deposit box?

  If you currently have a safe deposit box through One Florida Bank, you may keep you box fee-free through December 31, 2027. After that date, an annual rental fee will apply. Please refer to your transition guide for more details on rental pricing. 

• How can I access my account by phone after the transition?

  After our systems are integrated on November 6, you can call Hancock Whitney's Contact Center at 800-448-8812, 24 hours a day to access your account information through our automated phone system. If you need personal assistance, our representatives are available Monday through Friday from 8 am - 8 pm ET, and Saturdays from 9 am - 3 pm ET. 
  
  After November 6, 2026, when you contact us at 800-448-8812, we can enroll you in the Hancock Whitney Information Line which allows you to: 

  • Check account balances
  • Review account activity
  • Reorder checks
  • Transfer funds
  • Report a lost or stolen card
  • Make a payment on your loan
  • Receive mobile banking, online banking and digital wallet assistance

ATMs

• Are there any ATM fees at Hancock Whitney ATMs if I use my One Florida Bank debit card?

  No, your One Florida Bank debit card can be used at Hancock Whitney ATMs without a surcharge fee. Hancock Whitney has 226 ATMs conveniently located across the Gulf South, from Texas to Florida. To find the ATM location most convenient for you, please visit https://locations.hancockwhitney.com.

• How do I find ATM locations?

  Hancock Whitney has 226 ATMs conveniently located across the Gulf South, from Texas to Florida. To find the ATM location most convenient for you, please visit https://locations.hancockwhitney.com.

Financial Centers

• Where can I find other Hancock Whitney financial centers?

  A map highlighting Hancock Whitney's banking footprint is included on the inside cover of your Transition Guide. You can also find financial center and ATM locations by visiting https://locations.hancockwhitney.com.