ACCOUNTS
$25 Minimum opening deposit
Monthly service charge $10
Fee waived for clients under 18 or over 64
Fee waived with a single client initiated debit or credit per month
What is Freestyle Checking?
• A versatile, revolving line of credit that provides all the features of a no annual fee
0% introductory rates and additional exclusive benefits of the newly revised Points Plus Rewards Program
Amount: • Minimum – $700 • Maximum – $100,000 • Security Chip
• $500,000 Travel Accident, Baggage Delay, & Auto Rental Insurance • Purchase Security
• Warranty Manager
• Travel and Emergency Assistance
What is a Credit Card?
• Available on all consumer checking accounts
• Works similarly to a check
• Purchases are deducted straight from checking account
• Easily create recurring payments
• Use to get cash from an ATM any time day or night
• No charge to our clients for cash withdrawals from any Hancock Whitney Bank ATM
What is a Debit Card?
Night Drop is opened under
Key box is opened under
Requires 2 people
What is Dual Control?
desktop scanner to deposit checks directly to a business checking account
Deposits are validated and balanced when scanned
access to check images for up to 45 days
Saves time of going to the bank to make a deposit
What is Remote Deposit Capture?
• $25 Minimum Opening Deposit
• Interest compounded quarterly/Tiered Interest Rate
• Service charge of $5 if waiver requirements not met
Ways to waive monthly Service Charge:
• Under 18 or 64yrs and older •
One or more debit or credit transaction on the account per month •
Daily balance of $250 or higher
What is Freestyle Savings?
can withdraw funds or use as overdraft protection
• Minimum – $3,000 P • Maximum – $50,000
A system generated transfer will generate a $10 fee, which will be assessed to the covered checking account
• There is no fee if a client proactively makes a transfer to avoid any potential overdraft
What is a Personal Line of Credit?
• Check balances and transfer funds
View transaction history and check images
• Pay bills with free Bill Pay
• Set-up email alerts
• Clients no longer charged for external transfers • Interface with financial software like Quicken® and Quickbooks®
What is On Line Banking?
changes once a quarter
put up once the opener and observer is the branch
What is morning alert signal?
fraud prevention that helps identify and prevent counterfeit or amount-altered checks drawn on the accounts
authorizes checks in advance based on check numbers and amounts/payee name
What is Positive Pay?
• $50 Minimum Opening Deposit
• No monthly service charge
• First 100 combined items FREE $0.50 for each additional item over 100
•No minimum balance requirements
What is Essential Business Checking?
• Minimum – $10,000 • Maximum - $500,000
can withdraw funds or use as overdraft protection.
payments may be interest only
use equality in home as collateral.
10 year draw period
• 15-year repayment period
What is a Home Equity Line of Credit?
• Easy, secure, private way to pay with a simple touch
• Works with the iPhone 6 or 6s and your debit card
• Hold your device up to the payment reader, and use your Touch ID to confirm the purchase.
• Your device will vibrate and beep when your payment
What is Apple Pay?
remain calm and observant
pay attention to physical characteristics
retain note
include bait money and dye pack is possible
activate alarm
notify supervisor
lock doors
What to do in a robbery?
updated weekly
grades branch on sales goals
What is Scorecard/Dashboard?
• $50 Minimum Opening Deposit
• Monthly service charge of $18
• No monthly service charge when meeting at least one of the requirements below:
$5,000 minimum daily balance
Combined balances of loans and deposits $25,000+
$2,000+ in monthly business credit card transactions Active Merchant Services Account
• First 750 combined items FREE o $0.50 for each additional item over 750
Free personal Freestyle checking for business owner
What is Preferred Business Checking?
fully amortized, that is great for financing needs such as new equipment, facility expansion, or fleet vehicles.
It offers flexible pricing and term options.
Minimum – $2,500 • Maximum – $100,000 Unsecured $250,000 Secured
Secured or unsecured
Collateral Types:
• CD / Savings
• Equipment
• Vehicle
• Real Estate
• AR, Inventory, FF&E, other
• Securities
What is a business term loan?
• Premium Interest on High Balances
• Favorable rate after the promotional period
• $25,000 minimum daily balance required to earn interest
• Linked to qualifying checking account (Connect, Priority or Private Banking)
• Five debit or credit transactions in linked checking account per month
• Tiered interest compounded monthly
• No monthly service charge with minimum daily balance of $25,000
• Service charge of $25 if minimum daily balance is not maintained
• Maximum of 6 transfers or withdrawals per month
What is Priority Money Market?
Far corner of the parking lot
meeting spot for emergency
What is the Safe Zone Meeting spot?
have at $10,000 to save
client is depositing a large check no needs for funds currently
check is from a retirement account
referral credit once they meet and are offered a product
What is an investment opportunity/referral?
• $25 Minimum Opening Deposit
• $20 Monthly Service Charge waved with:
• $5,000 minimum daily collected balance; or $7.500 in combined qualifying consumer deposits (excluding CDs & IRAs) or outstanding consumer loan and credit card balances (excluding mortgages); or $250,000 or more in brokerage or Trust relationship (excluding annuities)
• Tiered Interest Rates
What is Priority Checking?
Value of your property less any outstanding mortgages/HELOC
What is the equity in your home?
• Can only be used as overdraft protection
• An unsecured revolving credit line that is tied to a HW personal checking account for overdraft protection.
Amount: • Minimum – $1,000 • Maximum – $3,000
• Monthly payments will be 5% of the new balance plus interest or $25, whichever is greater • If the new balance is less than $25, the entire balance is due
What is a Handyline?
emergency notification system
communicate critical information to associates during a time-sensitive event, such as a weather-related event, system outage, facility closures etc.
The service has a real-time response capability so that associates can respond back to alerts.
What is Send Word Now?
Shane Loper
Who is the President of Hancock Whitney Bank?