Whitney NOW

Earn interest on your checking balance* while you enjoy unlimited check wriiting

		Monthly compounding and crediting increases your earnings
		No monthly service charge when balance requirements are met
		Free VISA® Platinum Debit Card
		Plus Whitney EXTRAS and Access Options
		Balance counts toward Whitney SELECT
		Balance requirement: $1,500 minimum OR $3,000 average collected balance; otherwise, a $12 monthly service charge applies.

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* The interest rate is set by Whitney Bank and may change at any time. Whitney uses the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example: checks). Fees may reduce earnings.

Precision Plus NOW Checking

Earn more money just by having this convenient account

		Earn a tiered rate of interest on all of your funds*
		Monthly compounding and crediting increases your earnings
		No monthly service charge when balance requirements are met
		Free VISA® Platinum Debit Card
		Balances count toward Whitney SELECT
		Plus Whitney EXTRAS and Access Options
		Opening balance requirement: $10,000. Minimum monthly balance $5,000 OR $10,000 average collected balance; otherwise, a $15 monthly service charge applies.

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* The interest rate is set by Whitney Bank and may change at any time. Whitney uses the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example: checks). Fees may reduce earnings.

The Reserve Account

A secondary account that provides checking protection plus interest on your funds

		Provides automatic transfer of funds to cover overdrafts on your personal checking account*
		A secondary account that supports one personal checking account and is accessed by teller, ATM, online or by phone
		Balance can be used to qualify for Classic or Smart Checking Plus
		Quarterly compounding and crediting of interest and a quarterly statement **
		Balance requirement: $300 minimum balance; otherwise, $5 monthly service charge applies. Accessible for funds at a Whitney teller or ATM and through Online Banking or Information Line. Three (3) FREE withdrawals are allowed per month ($4 per additional withdrawal). There is an additional Overdraft Coverage Fee of $5 (per automatic overdraft transfer) to protect your linked checking account.
		Balance counts toward Whitney SELECT

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*In the event your checking account is overdrawn, funds from your Reserve Savings Account will be transferred into your checking account to cover any overdrafts, up to the amount of your Reserve account balance. This transfer will occur at the end of the business day your checking account is in overdrawn status. Our customary NSF/Overdraft Item fee will be charged if your Reserve Account is overdrawn or has a negative balance. Please refer to our Personal Account Miscellaneous Fee Schedule for the amount of the fee. One-time debit card or ATM transactions which may overdraw your checking account during the business day may be declined. Recurring debit card transactions, checks or ACH transactions may be paid; however, Whitney National Bank reserves the right to decline payment of any overdraft. Please refer to our Rules & Regulations Governing Deposit Accounts and Disclosures for more information. **The Reserve Account will have a quarterly statement (unless you have electronic transfer, ATM, or telephone activity; if so, you will receive a monthly statement). The interest rate is set by Whitney Bank and may change at any time. Whitney uses the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example: checks). Fees may reduce earnings.

Visit a Whitney Banker for more details.