Posted by William Charles on May 22, 2018
Bank Account Bonuses

Published on May 22nd, 2018 | by William Charles


[LA, MS, FL, AL, TX] Hancock Whitney $100 Savings Bonus

Bonus is back for 2018, thanks to reader Matt.

Offer at a glance

  • Maximum bonus amount: $100
  • Availability: LA, MS, FL, AL, & TX only
  • Direct deposit required: No
  • Additional requirements: Have a balance on 10/25/18
  • Hard/soft pull: Soft
  • ChexSystems: Unknown
  • Credit card funding: None
  • Monthly fees: $3, avoidable
  • Early account termination fee: $20, 180 days
  • Household limit: One (this is enforced)
  • Expiration date: September 30th, 2017 December 31st, 2018 July 31st, 2018

The Offer

Direct link to offer

  • Open a new Silver Savings account with Hancock Whitney Bank and receive a bonus of up to $100.
    • Open a Silver Savings2 account with a total deposit of $2,500 or more in new money by 7/31/18
    • Ensure you have a balance1 of at least $2,500 on 10/25/18, to receive either a $25, $50 or $100 Visa® Gift Card.
  • Bonus depends on your deposit:
    • $25 gift card with a $2,500 minimum balance
    • $50 gift card with a $5,000 minimum balance
    •  $100 gift card with a $10,000 minimum balance


The Fine Print

  • To be eligible for the promotion: A Silver Savings account, with new money not currently held by Hancock Bank or Whitney Bank, must be opened with an opening deposit of $2,500 or more.
    The gift card amount will be based on the balance of the Silver Savings account as of 10/25/18. One gift card per balance tier based on highest balance amount.
  • Gift card will be sent to the address associated with your new account within four to six weeks after the qualification expiration date of 10/25/18. Limit one gift card per household. Limit of one new consumer-savings-account-related bonus per calendar year.
    The offer is non-transferable and valid only for person residing at the address the mail was sent to. This cannot be combined with other offers.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Savings account has a $3 monthly fee that is waived with an average daily balance of $200.

Early Account Termination Fee $20

This account has an early account termination fee of $20 if the account is closed within 180 days of account opening.

Our Verdict

This is much better than the standard savings bonus they offer when they are also offering a $300 checking bonus. Doesn’t look like you need to keep the minimum balance for any period of time, just need it in the account as of 3/31/2018. If you live near a branch I think this is worth doing and will add it to our list of the best savings account bonuses.

Big thanks to readers, JP & Andrea who let us know. Learn how to find bonuses and contribute to the site here.

Useful posts regarding bank bonuses:

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A (different) monthly fee is mentioned in two places, but they’re both incorrect…
“Monthly fees: $10, avoidable”
“Avoiding Fees
Savings account does no have any monthly fee to worry about.”

From this link, it appears to me that the monthly fee is $3, and waivable w/ a $200 daily balance:

One other error that I just noticed:

“Additional requirements: Have a balance on 12/31/18”
Hopefully you meant 12/31/17. 😉

This one’s just nitpicking though. I’m sure we’re all smart enough to realize that the qualification date isn’t almost two years away 🙂


A lot of great data point information on this bonus here:

Thanks to Natalia for sharing.

$100 is on the low end; anyhow if wanting to get $100 gc, need to wait til end of yr when the balance must be min $10K?

It’s not on the low end considering the very easy requirements to earn it.

$10,000 minimum balance to earn a mere $100. I wouldn’t necessarily consider this “very easy” for some people.

M&T… now that’s very easy.

Not really gonna argue a subjective concept of “very easy”, but I would imagine most people would agree that maintaining a $10,000 balance for 1 day, is pretty easy.

Oh, and I’m not sure if this is the best place for a ChexSystems DP, but here:

I’ve already done Whitney checking bonuses three times (2x personal, 1x business), and there was no hard CS inquiry each time.

Therefore, I believe that it would be unlikely for this savings account to incur a CS inquiry.

I have struck out 2 times with Whitney… Trying a third time. Just thought I should mention it. I plan to stop by the branch and see if the manager can “fix” the last failed bonus. I will update if I succeed.

I looked into opening this Hancock Whitney silver savings account, but it looks like it can’t be opened online at all. I don’t want to have to go in branch. I didn’t have to go in branch for the checking bonus (it was able to be opened online with the promo code), but it looks like all savings accounts can’t be opened online. Has anyone been able to open it online or by phone? Thanks.

Well, I tried to be the data point I wanted and called to open the HWB savings. The CSR was insistent that the $2,500 opening deposit had to come from my HWB checking account, although I told him the terms clearly stated that the opening deposit had to be new money. I even hung up and called back again and got the same guy telling me the same thing. Unfortunately, I need to sit this one out because I’m not going to do something against the terms because some CSR tells me it’s the only way to do it, so I’m done with this bank.

Just ask him to send you an email telling you to do that way to meet the bonus even though it conflicts with the terms and conditions or ask for his manager… why is this so difficult if you already put in enough effort to HUCA…

got an email this morning for the same offer, same terms w/ new expiration date
sign up by 12/31/17 and have a balance on 3/31/18

Link just takes me to the Whitney home page, not the offer

Your link to the offer only goes to the front page and I could not find this offer looking through.

I did some other looking through Google and found:

But it looks like it needs 20k and it is confusing how long it is needed.

If this offer is what it says on the terms and conditions then it really sucks. It says:

To be eligible for the savings promotion:

A Silver Savings account, with new money not currently held by Hancock Whitney, must be opened by 07/31/18, with a minimum opening deposit of $20,000 or more. The promo code is required at account opening. The email given at account opening must match the email address submitted to get the offer promo code. Then simply maintain your $20,000 minimum daily balance through 10/25/18. Limit of one new consumer savings-account-related bonus per household per calendar year.

If you meet all of the requirements and your eligible Silver Savings account remains open and active, we will deposit the earned bonus into your Silver Savings account within 6 weeks after the qualification expiration date of 10/25/18.

Link is dead?

This offer sucks, considering close to zero interest rate.
One peculiar thing about these guys that they send you the bonus
as a $100 vanilla visa card, not even personalized, just the kind you buy in store.
That is what I got for previous deal.
I am curious if they will put $100 of interest on the tax form


I received a Vanilla Visa for their checking bonus in 2017 and did not get a 1099 from them.

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