Personal Checking

We understand you want a checking account that is simple and unique to you! Whether you are looking for a Free checking account or an account that pays you interest, we have both to suite your needs. See below which personal checking account is right for you!

Green Rewards Checking

Earning your rewards is FREE and EASY. Just meet 3 simple requirements each Qualification Cycle. If you do not meet the requirements per "Qualification Cycle", don’t worry: you will still enjoy FREE checking and earn a base rate for that cycle. Meet the requirements the following “Qualification Cycle” and you’re back to earning your premium rate and automatic refunds on ATM transaction fees nationwide.

Qualifications

  • Have at least 12 debit card transactions post and clear per qualification cycle
  • Have at least one Automatic Payment or Direct Deposit post and clear per qualification cycle.
  • Receive Electronic Statements (enroll + accepts the disclosure)
  • No monthly fee, no minimum balance—ever—to earn rewards
  • Earn 0.80 APY* on balances up to $40,000
  • Earn 0.20 APY* on amount of balance above $40,000
  • Earn 0.05 APY* on entire balance if qualifications are not met
  • ATM fee refunds** nationwide (up to $20 per monthly cycle)
  • Unlimited check writing and free first order of wallet checks
  • Can link to Green Rewards Savings* to build savings automatically
  • Free MasterCard debit card
  • Free online banking and free bill pay
  • Free e-Statements
  • Free telephone banking
  • $100 minimum deposit to open (no minimum thereafter)

*Annual Percentage Yield (APY) accurate as of 01/08/2019. "Monthly Qualification Cycle" means a period beginning the last business day of the previous cycle through one business day prior to the close of the current statement. Minimum to open Green Rewards Checking account is $100 and minimum to open Green Rewards Savings account is $50. No minimum balance to earn rewards. Green Rewards Checking rate tiers are as follows: 0.80% APY applies to balances of $0 - $40,000 and 0.20% APY applies to balances over $40,000 as long as qualifications are met each monthly qualification cycle. 0.05% APY applies to all balances if qualifications are not met. All balances will earn 0.20% APY - 0.80% APY if monthly qualifications are met. The advertised Green Rewards Checking APY is based on compounding interest. The interest earned in Green Rewards Checking is automatically transferred to Green Rewards Savings each statement cycle and does not compound. The actual interest paid may be less than the advertised APY. The Green Rewards Savings APYs may be less than the Green Rewards Checking APYs. Rates may change after the account is opened. Fees may reduce earnings. Green Rewards Saver rate tiers are as follows: 0.15% APY applies to balances of $0.01 - $50,000 and 0.10% APY applies to balances over $50,000 if qualifications are met during the monthly qualification cycle on the Green Rewards Checking account. 0.05% APY applies to all balances if qualifications are not met on the Green Rewards Checking account. All balances will earn 0.10%- 0.15% APY if qualifications are met on the Green Rewards Checking account. Annual Percentage Yield (APY) accurate as of 01/08/2019. Rates may change after account is opened. Fees may reduce earnings.Debit card transactions must be point of sale transactions and all qualifying transactions must post and clear your account within the qualification cycle to qualify. Transactions may take one or more business days from the transaction date to post to an account. Intra-bank transfers do not count as qualifying ACH transactions. Personal accounts only: limit one account per unique SSN.
**ATM fee reimbursements up to $20 per monthly qualification cycle provided only if qualifications are met within that cycle.

Free Checking

Keep banking simple with our straightforward Free Checking account. It’s the perfect no fee checking.

Features

  • No monthly fee, no minimum balance—ever
  • Unlimited Check Writing
  • Free MasterCard debit card
  • Free online banking and free bill pay
  • Free e-Statements available
  • Free telephone banking
  • Free first order of wallet checks
  • Personal accounts only
  • $50 minimum deposit to open (no minimum thereafter)

Captain Circle Checking

You work hard for your money, and you know it makes sense to protect and save it. All of these items for a low monthly service fee of $6.95 (If enrolled in e-statements, you must enroll and accept disclosure through online banking, your monthly service fee will be reduced to $5.95)

View our Captain Circle Checking Brochure!

If you have Captains Circle, activate your benefits now!

Features

  • Minimum Opening Deposit of $100.00
  • Unlimited Check Writing
  • FREE basic wallet style checks (1 box per year)
  • Tiered Interest Rate
  • No Fee for Cashier's Check
  • Paper Statements or E-Statements
  • Telephone Banking
  • Identity Theft Expense Reimbursement Coverage - Receive up to $10,000 to help pay expenses, clear your name and repair damaged credit, should you become the victim of identity theft. Comprehensive Identity Theft Resolution Services- Should you suffer identity theft, your very own IDProtect® fraud resolution specialist will help you every step of the way until your credit and identity are completely restored.
  • Debit and Credit Card Registration - Register your credit, debit, and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards. (Registration and activation required.)
  • 3-in-1 Credit File Monitoring - IDProtect® will monitor your Equifax, Experian and Transunion credit files daily, and automatically alert you if key changes occur. (Registration and activation required.)
  • 3-in-1 Credit Report - Request a free, updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single bureau credit score. (Registration and activation required.)
  • Total Identity Monitoring - Monitoring of over 1,000 databases (Registration and Activation Required.)
  • Cellular Telephone Protection**
  • Accidental Death and Dismemberment Insurance**

*IDProtect® service is a personal identity theft protection service available to personal checking account owners, their joint account owners, and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service is not available to a "signer" on the account who is not an account owner. Service is not available to clubs, organizations, an/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under twenty-five (25) years of age and parent(s) of the account holder who are residents of the same household.
** Special Insurance Program Notes for Coverage: The descriptions herein are summaries only. They do not include all terms, conditions, and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance offered through the company named on the certificate of insurance. Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guarantee by the bank or any bank affiliate.

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Welcome, to Hancock Bank and Trust Company

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Hancock Bank and Trust Company would like to personalize your banking experience. Please enter your first name below.

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