Business Checking

Business Basics Checking

This straightforward account is ideal for businesses with relatively light or moderate transaction needs, with the perk of being able to earn interest when your monthly average balance is at least $1,000. This same balance will waive the monthly fee.

An account for Sole Proprietorships, Partnerships, Corporations and other business entities with limited activity that normally has less than 150 transactions (deposits & checks) per statement cycle.

Features

  • Interest-bearing for qualified entities with monthly average balance exceeding $1,000
  • 150 free transactions (checks and deposits) monthly; 20¢ each thereafter
  • $10 monthly maintenance fee if the monthly average balance is less than $1,000
  • Free MasterCard debit card
  • Online banking with bill pay
  • Free e-Statements available
  • Free telephone banking
  • $100 minimum deposit to open

Commercial Business Checking

This account delivers maximum flexibility for larger businesses with greater transaction activity. It provides opportunity for both interest and an earnings credit based on your balance. The earnings credit is applied toward per-item fees, potentially offsetting them completely.

A per item fee based account for Sole Proprietorships, Partnerships, Corporations and other legal entities with moderate to high transaction volume per statement cycle. Multiple checking accounts may be analyzed as a group to reflect the total relationship.

Summary

  • Monthly earnings credit based on balance
  • Earnings credit applied toward per-item and monthly fees
  • Free MasterCard debit card
  • Online banking with bill pay
  • Free e-Statements available
  • Free telephone banking
  • $250 minimum deposit to open

Account Analysis

A net earnings credit will be calculated at the end of each statement cycle based upon the investable balance of the account. Should the account qualify as an interest bearing account, all interest paid will be deducted from the gross earnings credit to determine the net earnings credit.

This net earnings credit will be applied to reduce or completely offset the following account analysis fees:

  • Monthly maintenance fee: $10
  • Debit transactions: 14¢ per item
  • Credit transactions: 12¢ per item
  • Hancock Bank clearing items: 4¢ per item
  • Non-Hancock Bank clearing items: 6¢ per item

Fees may be adjusted solely at bank's discretion.

Friends & Neighbors Checking

Non-profits and charitable organizations provide invaluable services to the community. They truly are the perfect Friends & Neighbors.

Hancock Bank & Trust Company believes the neighborly thing to do in return is provide an interest-bearing checking account with no monthly fee. It's one way we can say "thank you" for your contribution to our communities.

Features

  • Available to non-profit or charitable organizations
  • No monthly service fee
  • Earns interest with average monthly balance exceeding $1,000
  • Free MasterCard debit card
  • Online Banking with Bill Pay
  • Free e-Statements available
  • Free telephone banking
  • $50.00 minimum deposit to open

5 and 5 Small Business Checking

Are you a Small Business, Sole Proprietor or Partnership that is light on banking transactions? Well this is the perfect account for you!

Hancock Bank & Trust Company makes it easy for you to have a business checking account that is tailored to fit your needs while providing you the friendly services you deserve.

Designed specifically for Small Business Entities, Sole Proprietors and Partnerships with limited to moderate activity.

Features

  • $50.00 minimum deposit to open account
  • Maintenance Fee is Waived if a monthly balance of $500.00 or more is maintained*
  • 50 transactions per statement cycle
  • Online Banking and bill pay

*$5.00 monthly maintenance fee for daily balances of $0.00-$499.99
Subject to fees for NSF items, Stop Payment Fees, Account Research, and all other requested services.

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