Personal Bank Account
Hancock Whitney
Bonus
$600
APY
2.25%
Monthly Fee
$10/mo (waivable)
To Qualify
$2,000 Direct Deposit + $5,000 Balance for 60 days
Availability
LA, MS, FL, AL, TX
Expires
2/28/2027
Bonus Details
Earn $300 for qualifying Freestyle Checking, $100 for qualifying Freestyle Savings, and an additional $200 when both accounts are opened at the same time and all requirements are met, for $600 total.
How To Qualify
Open by February 28, 2027 using promo code, matching code-request email and $25 deposit/account. Checking: $2,000 qualifying direct deposits within 90 days. Savings: deposit $5,000 within 30 days; maintain $5,000 minimum daily balance for 60 days. Additional $200: open both simultaneously; satisfy both. Bonuses paid within 135 days of opening; accounts open, positive at payment. Deadlines from opening. Qualifying: recurring electronic employer/external-agency payroll, pension, Social Security, other government or monthly income. Excluded: own-account transfers; non-recurring Zelle, PayPal or Cash App payments; tax refunds; stimulus payments; wires; branch, ATM, mail, mobile or online-transfer deposits.
APY Details
Freestyle Savings APYs as of September 8, 2026: 2.25% for $0–$9,999.99; 2.49% for $10,000–$24,999.99; 2.75% for $25,000–$100,000; and 0.05% for $100,000.01 or more. Rates are variable and fees may reduce earnings.
The Fine Print
- Monthly Fees
- $10
- Account Type
- Personal Bank Account
- Expiration Date
- 2/28/2027
- Additional Requirements
- Submit the online form to obtain the required promo code before opening. Checking closure within 180 days incurs a $20 fee and possible bonus deduction. Savings has $20 applied against its available balance during the first 180 days, released if kept open beyond 180 days; early closure may also result in bonus deduction. Savings includes three free withdrawals monthly; additional withdrawals cost $3 each.
- Availability
- Louisiana, Mississippi, Florida, Alabama, Texas
TX, LA, MS, AL or FL residents, 18+, new Hancock Whitney checking clients only. Includes new-to-bank clients and existing clients who have no checking, have not closed checking within 90 days, or had no checking closed with a negative balance within 3 years. Addressee only; non-transferable; cannot combine offers. Per household: one checking-related and one savings-related bonus every two calendar years; lifetime maximum two checking and/or two savings bonuses.
Monthly Fee Details
Checking: $10 monthly. Savings: $5 monthly. Both fees waived with at least one client-initiated debit or credit posting per statement cycle, or for primary holders under 18 or 64+ with a valid birth date on file. Checking also waived for eligible Priority Checking or Private Wealth Management clients. Savings also waived with a $250 minimum daily balance.
Early Account Closure Fee
$20 fee and bonus forfeit if closed within 180 days