Personal Checking Accounts

	Simply Checking	Classic 50 Gold Checking	MyAffinity Checking	Treasury Checking	Elite Checking
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Ideal For	Customers wanting the value and convenience of a traditional checking account.	Customers age 50 or better who want an interest bearing checking account with additional benefits such as medical, travel and retail discounts; free custom wallet checks; and accidental death insurance.	Customers who prefer a value added account including the following at no additional cost: enhanced e-Banking and mobile banking services; retail, medical, and travel discounts; premium identity theft insurance with credit monitoring; and many more.	Customers wanting to earn more interest on higher balances, as well as many other exciting benefits, including enhanced e-Banking services, a special Treasury Debit Card with higher daily limits, premium identity theft insurance with credit monitoring and much more.	Customers who want all of the benefits of a Treasury Checking account plus rebated wire transfer fees and maximum interest rate earnings with the ability to automatically sweep excess funds into their Relationship Rewards Money Market Account.
Minimum Deposit to Open	$50	$100	$100	$100	$100
Interest Bearing
Service Charge	$7.50	$8	$10	$18	$25
Minimum Daily Balance to Waive Monthly Service Charge	$250	$500	$1,000	$7,500	$25,000
Combined Balances to Waive Service Charge (excludes CD, IRA, mortgage, and Credit Card balances)			$5,000	$10,000	$100,000 and/or a brokerage account with Hancock Investment Services† with balances of $250,000 or more
Debit Card	Standard	Standard	Premium	Treasury	Elite
Cell Telephone Protection*
Free Cash Withdrawals at Hancock and Whitney Bank ATMs
Fees for Cash Withdrawals Refunded at all Other ATMs
Free e-Banking
Enhanced e-Banking Services	$5.95/month	$5.95/month
e-Pay	$4.95/month**	$4.95/month**
External Account to Account Transfers	$3 per transaction	$3 per transaction	3 free per month, $1 each additional	3 free per month, $1 each additional	3 free per month, $1 each additional
e-Statements
Mobile Banking***
Identity Theft Insurance (including credit monitoring)
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 Accounts are subject to credit approval. Consult with a Hancock Bank associate or refer to your Deposit Agreement and Truth In Savings disclosure for information regarding specific products.

*Certain terms and conditions and exclusions apply. Please refer to your Guide to Benefits for further details.
** e-Pay is free for all e-Banking users whose primary e-Pay account has an active debit card and e-Statements. Otherwise, e-Pay is $4.95 per month. e-Pay is included with Treasury, MyAffinity and Elite Checking.
*** Check with your mobile provider regarding message and data rates that may apply.           
† Hancock Investment Services, Inc. is a registered broker/dealer, member FINRA/SIPC and a wholly owned subsidiary of Hancock Bank. The investments offered by H.I.S., Inc. are: