When opening a checking or savings account, what are the features and benefits that you expect the most? You’ll find a range of personal banking products including checking accounts with identity fraud protection features, savings accounts, certificates of deposit (CDs) and individual retirement accounts (IRAs). See if Hancock Whitney Bank is right for you.
Located in the Gulf South Region, Whitney bank has branches in Texas, Louisiana, Mississippi, Alabama and Florida. They have a keen focus on helping out small businesses and keeping in touch with their community.
Checking Account Options
Whitney offers a small variety of accounts and are pretty standard as far as checking accounts go. They’re great for anyone who wants extra security or have a small interest flow in.
- Access Checking
- With a low opening deposit of $50 you can get a fully insured checking account with access to online banking. It has a hefty monthly fee of $10. To waive it you have to maintain a monthly balance of $250.
- Connect Checking
- This is account is great for those who want a little more security in their account. It has a $50 opening deposit requirement and a $15 monthly service fee that can be waived with a $1,500 balance in the account. It comes with IDProtect which gives you extra security. This account also comes with a variety of exclusive benefits.
- Priority Checking
- With a $50 opening deposit you can gain access to this interest bearing account. You’ll need at least $7,500 in the account to start earning a .02% APY which goes up depending on the amount of cash in the account. This is a pretty low interest rate compared to the national average, but interest on a checking account is hard to complain about.
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 • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities • Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere. • Chase Overdraft AssistSM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* • Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock. • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law. • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. |
Savings Account Options
Hancock Whitney Bank has a low amount of savings variety. They offer some neat benefits however, and the Priority Money Market account in particular has an impressive rate.
- Silver Savings Account
- This is the standard savings account offered at this bank. With a $100 opening deposit you can open this account. It comes wth a $3 monthly service fee that can be waived if you maintain a $200 balance. If you are looking to accumulate money over time, this probably isn’t the account for you, considering it only offers a .01% interest rate.
- Christmas Club Account
- This is an account that is designated to help people save for the holidays. To open one you must have a checking account and provide a $5 opening deposit. There is no monthly service fee. This account will have a .05% interest rate, and in November the money in this account will automatically be transferred to your checking.
- Priority Money Market
- With an opening deposit of $100, you can gain access to an account that has an interest rate far above the rest of the savings accounts. You must have a checking account to open this. It has a 1.75% interest rate in the first 6 months, but then it drops to .90% afterwards. You can waive the $25 service fee by maintain a $25,000 balance or making 5 transactions using the checking account.
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 Open a Discover® Online Savings Account for all these features: • Earn $200/$150 Bonus with promo code LOP325 by 9/11/2025 • Earn high interest rate of 3.70% APY • No minimum opening deposit, no minimum balance requirement, and now no fees • Interest on Discover Online Savings Accounts is compounded daily and credited monthly • Manage your account online or with the Discover mobile app • FDIC insurance up to $250,000 • See advertiser website for full details To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code LOP325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200. What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. |
Compare Money Market Accounts
 • Get started and open a Discover® Money Market Account in 3 easy steps. • Available nationwide online • Earn high yields with flexible access to your cash. • Earn 3.65%% APY balances $100,000 and over • Earn 3.60% APY balances under $100,000 • No hidden fees. No surprises. • Easy cash access via debit or check, or via ATM at over 60,000 no-fee ATMs |
CD Options
Hancock Whitney can have some amazing promotion CD rates going into the higher end of 2%. However, these are only promotional and are not always occurring. The standard CD rates are not very high, and are in fact much lower than other banks. It would be wise to call your local branch and ask if they have any promotion rates going on.
Compare CD Accounts
• Available nationwide online, Discover® offers CDs with some of the highest & most competitive rates! with select terms as short as 3 months up to 120 months • Rates ranging from 2.00% APY up to 4.00% APY. • Opening a Discover Bank Certificate of Deposit is extremely quick and easy. • Funds on deposit are FDIC-insured up to the maximum allowed by law. • Get started and open a Discover CD in 3 easy steps. |
IRAs
Whitney offers CD style IRA accounts. They come with tax advantages of normal CDs, but also with the same withdrawal penalties. The interest rates are the same as their CDs, so unless you can get promotional rates, there is not much interest to be gained
Contact Customer Service
Reach Hancock Whitney Customer Service at 1-800-448-8812. Their hours are as follows:
- Mon-Fri 7:00 AM CT – 7:00 PM CT
- Sat 8:00 AM CT – 2:00 PM CT
To find a branch closes to you, make sure you use their Locator so you can find out when you can get in touch with them.
How Hancock Whitney Compares
- Capital One: You can bank fee-free with online and mobile checking that actually pays you back. Whether you’re looking for one of their 40,000 fee-free ATMs or a Capital One location–chances are they are right nearby.
- US Bank: They have approximately 5,000 ATMs locations throughout 25 states. Enjoy 24/7 customer service and mobile banking.
- Banco Popular:They offer basic checking and savings accounts in the East coast. They had options for students in high school and college.
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Bottom Line
Choosing a bank that best suits your needs is a crucial decision. You’ll be investing time and money into these institutions and will need to make the right choice and be sure the bank/credit union will offer you what you need. It’s very important to keep in mind the potential fees that may incur and how to avoid them if possible.
If Hancock Whitney Bank has the variety and options you’re looking for, apply today! or more options from a variety of banks, see our list of the best bank promotions!
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