Introducing Smart Checking, with ways to be FREE of monthly service charges and have all the features and benefits you need to live smartly.

No monthly service charge with:
	1.	Direct Deposit
	2.	Savings Account balances of $300 or more
	3.	For students age 18-23
	4.	Age 55 and older
	5.	Current Whitney Business Checking customers*
		An $8 monthly service charge applies when above conditions are not met.
		FREE Online BillPay - monthly fee of $5.95 is waived for Smart Checking customers, so paying bills is both fast and free!
		Free E-mail Alerts, E-Statements and E-Statements Archive with Online Banking - the easy way to keep an eye on your account**
		No monthly fee VISA® Platinum Check Card
		FREE ID Guard Identity Theft Assistance
		Plus Whitney EXTRAS and Access Options

Whitney Extras

With any Whitney Personal Checking Account, you’ll get all the conveniences you’re looking for, plus these Whitney Extras:

		FREE access to Whitney ATMs
		FREE Online Banking
		FREE access to Whitney’s Call Center or InfoLine
		½% discount on loans with continuous automatic payment from your Whitney Checking account***
		No monthly fee VISA Platinum Check Card
		No annual fee on Whitney Personal VISA Classic or Platinum Credit Card
		Optional Overdraft Protection Line

Just ask and we’ll set them up for you when you open your account, or anytime thereafter. Also, be sure to find out about our optional SELECT package of benefits, rewards and services.

Access Options

Choose from more than 200 Whitney ATMs, or do your banking by phone or online. Online Banking allows you to review your accounts and also features funds-transfer capabilities, E-Alerts, E-Statements, and E-Statements Archives to help manage your accounts. Security features include user-selected names and passwords. Check Cards and ATM Cards allow you to customize your PINs.

*Smart Checking is available to owners of any Whitney Business Checking Account. Whitney Business Checking account customers are limited to two (2) free Smart Checking Accounts per owner. Owners of incorporated businesses must be principal shareholders in the company or principal members of a Limited Liability Company/LLC (having a 10% ownership or greater), or if a partnership, each general partner is eligible. Owners/officers/signers on checking accounts of civic clubs, community groups, nonprofit organizations and/or public fund/government organizations are not eligible for a Smart Checking account. Persons acting in a representative capacity in an account are also not eligible. If the Business Checking account is closed, at our discretion, we may begin charging the standard monthly service fee if other waive eligibility requirements are not met.

**Must be an online banking customer to receive Online BillPay, E-Mail Alerts, E-Statements and E-Statements Archive.

***Not available on all loans, some restrictions may apply.