Hancock Bank

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Compare Checking for Small Business
Features & Benefits	Business Checking	Free Business Checking
	The premiere option for growing and established businesses looking to manage cash flow and daily operations more efficiently. Includes many free and discounted services.	Basic banking services for start-ups and small businesses with low average balances and monthly transactions.
Platinum Visa® Business Check Card
Visa Business Check Card
Point of Sale daily limits	$7,500	$3,500
ATM daily limits	$750	$500
Overdraft Protection	Linked to savings account or Business Resource Line of Credit	Linked to Hancock Bank savings account
Free Personal e-Banking and e-Statements
Free Business e-Banking, e-Pay & e-Statements
Pay bills from and transfer funds between business and personal accounts online, on one page
View accounts for business and personal on one page
Grant CPAs and other key users online access to your accounts
Free Check Recovery
Free Bank at Work
Small Business Service Center Access
Free items per month	300 combined	150 combined
Cost per item over monthly limit	$0.30	$0.75
Debit card, e-Pay & ACH do not count against item limits
Monthly Service Fee	$10.00
Monthly Service Fee Waiver	Waived for the first 90 days and thereafter with a $5,000 minimum daily ledger balance
Other services available, priced separately
Merchant Services with Next-Day Funding
Remote Deposit
Business Resource Line of Credit (BRLOC)
Payroll Card
Expedited Payments
Electronic Tax Payments
Direct Deposit to Employee Accounts

Standard criteria apply. Some services may require additional authorization and access agreements. Full terms and conditions will be made available prior to enrollment.

Business Checking - Minimum opening deposit required. Maintenance fee is waived the first 90 days from account opening. After 90 days, no monthly maintenance fee with minimum daily collected balance of $5,000. No transaction fees for the first 300 combined items per month. Each additional item $0.30 each.

Visa Limits - There may be a surcharge at ATMs housed in locations not owned by Hancock Bank or non-Hancock Bank owned ATMs. If a surcharge applies, a message will appear on the ATM screen to notify you.

Check Recovery Services - Electronic Check Recovery (ECR) Services will be provided to you by Federal Automated Recovery Systems (FARS), a division of Infinity Business Group, Inc. (IBG) unless an authorized representative of your business notifies Hancock Bank or FARS that you do not wish to participate in this program.

Business e-Banking - Transaction fees may apply. Business e-Pay is free up to 25 payments each month; each additional payment costs $0.30.

Direct Deposit of Payroll- Scheduled payment cut-off times, vendor options, product and service requirements may vary based on product. The monthly fee covers the first 25 employee payments each month. Additional payments are subject to a fee of $1.00 each.

Automated Tax Payments - Scheduled payment cut-off times, vendor options, product and service requirements may vary based on product. The monthly fee for Automated Tax Payments covers payments to eligible taxing entities.

Expedited Payments – A fee will be assessed to each expedited transaction. Expedited payments are included in the normal Business e-Pay item limits. Scheduled payment cut-off times, vendor options, product and service requirements may vary in order for the payment to be received by vendor the next business day.

QuickBooks/Quicken - QuickBooks and Quicken are registered trademarks of Intuit Inc. Microsoft is a registered trademark of Microsoft Corporation in the United States and/or other countries.

Equal Housing Lender. All loans subject to credit approval.