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Banking products provided by Wintrust Financial Corp. banks.  

1. CD Special. Annual percentage yield (‘APY’) accurate as of 1/17/2024 & assumes funds remain on deposit until maturity. Minimum daily balance of $0.01 required to obtain APY. Early withdrawal penalties apply. Offer subject to change at any time & without notice. New money is money not currently held at any Wintrust Financial Corporation (‘WTFC’) location.

2. Total Access Checking Bonus Information. Offer valid for accounts opened 2/1/2024 – 1/29/2025. Offer not available to existing or closed checking account customers of WTFC & its subsidiaries or employees. Limit 1 bonus payment per customer, regardless of number of accounts opened; may only be received from 1 WTFC location. Offer combinable with any WTFC savings offer. Bonus payment subject to IRS 1099-INT reporting & may be considered income for tax purposes.

3. Total Access Checking Bonus Qualifications. (i) Open new Total Access Checking account; (ii) mention offer during in-branch account opening, visit URL provided, or enter Echecking300 when applying online; (iii) have direct deposits totaling at least $500 per month made to the new account for 2 consecutive calendar months after the calendar month the new account was opened (‘Qualification Period’); & (iv) enroll in online banking & e-statements within the Qualification Period. Direct deposit is a payment made by a government agency, employer, or other third-party organization via electronic deposit, but does not include teller/ATM/mobile or remote deposits, wire transfers, digital banking/telephone transfers between accounts at WTFC, external transfers from accounts at other financial institutions, peer-to-peer network payments like Zelle® or Venmo, or debit card transfers & deposits. New account must be open & have a balance greater than $0 to receive bonus payment. Balance determined as of end of each business day as funds currently in the account including deposits & withdrawals made in the business day. For eligible customers, bonus is deposited into the new account within 30 calendar days after the Qualification Period. A listing of WTFC locations can be found here: wintrust.com/locations.

4. ATM Fees. No WTFC transaction charge at ATMs in the Allpoint, ATM Access (Town Bank customers only), MoneyPass, or Sum networks. Banks outside the network may impose ATM surcharges. Surcharge fees assessed by owners of ATMs outside the network will be reimbursed. Reimbursement excludes 1.10% International Service fee for certain foreign transactions conducted outside the continental U.S.

5. Free Coin Counting. Available for consumer households, business customers, & nonprofits. Fees may apply for non-customer businesses.

6. Safe Deposit Boxes. Safe deposit boxes are not FDIC-insured. 

Mortgage Lending is provided through our affiliate Wintrust Mortgage. Wintrust Mortgage is a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank, NMLS #449042.

7. Down Payment Assistance Options. Restrictions apply depending on program selected. Programs, rates, terms, and conditions are subject to change at any time and without notice. All approvals are subject to underwriting guidelines.

Securities, insurance products, financial planning, & investment management services offered through Wintrust Investments, LLC (Member FINRA/SIPC), founded in 1931. Asset management & financial planning services offered by Great Lakes Advisors. Trust services provided by The Chicago Trust Company, N.A.

Investment products such as stocks, bonds, & mutual funds are:
NOT FDIC INSURED | NOT BANK GUARANTEED | MAY LOSE VALUE | NOT A DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY