Minimum Opening Deposit
A $100.00 deposit is required to open this account.
Monthly Service Fee
The Monthly Service Fee of $21.00 can be waived by maintaining an minimum combined daily balance of $10,000.00.
Annual Percentage Yield (APY)
The account earns 0.02% interest @ $1.00 The account earns 0.05% @ $25,000.00 The account earns 0.10% @ $500,000.00
up to 0.05%%
Debit Cards & Using ATMs
ATM Fee Reimbursements
Refunds for withdrawal fees assessed by other U.S. Banks.
Surcharge-Free ATM Access
55,000 surcharge-free ATMs nationwideConveniently located in your favorite storesUse your existing Whitney Bank ATM or Debit Card
Non-affiliated ATM Usage Fee
International ATM Usage Fee
Electronic & Telephone Banking
Online Bill Pay
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, transfer funds, locate ATMs;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Deposit Checks with Mobile Phone
This feature is available on the iPhone, iPad, and Android mobile application.
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- An email to let you know there's a secure message for you in Online Banking;- Priority Online Account notifications (i.e., change of password).
Included with Online Banking
Automated Phone Banking
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
Free Whitney Priority checks or a 25% discount on alternate check styles
Monthly Paper Statements
There is a $5.00 monthly fee to receive statements by mail.
Check Images with Statements
Images of canceled checks are included in monthly statements.
Online Check Images
Overdrawing the Account
Negative Balance Fee
$36.00 if account is overdrawn for at least 9 consecutive calendar days
Returned Item Fee
The Insufficient Funds Fee is $36.00 per overdraft.
This checking account has 3 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $10.00. The transfer fee is charged per transaction;- Funds are transferred in fixed increments of $100.00.From a linked Alternate Checking Account:- Transfer fee of $10.00. The transfer fee is charged per transaction;- Funds are transferred in fixed increments of $100.00.From a linked Overdraft Line of Credit:- Funds are transferred to bring the account balance to $0.00.