Getting Started With Your New Checking Account

Getting Started With Your New Checking Account

Everything you need to know about the features and perks of your new Total Access Checking account.
January 11, 2022

Getting Started With Your New Checking Account

Getting Started With Your New Checking Account

Everything you need to know about the features and perks of your new Total Access Checking account.
January 11, 2022

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Welcome to your new Total Access Checking account! Thank you for choosing to bank with us. As a local bank, we’ve built a checking account that supports the people who live here, regardless of where they are in their financial journey. 

Our Total Access Checking account offers great benefits that are yours to use however you see fit—for spending money, everyday expenses, regular transactions, and everything in between. To help you get started, we’ve created a handy guide to introduce you to your new account and its features.

Enroll in online banking1
If you haven’t already, be sure to enroll in online banking. Grab your new debit card or have your account number handy, then head to the website of the branch where you opened your account. Click the Login link in the top right corner to access your bank’s .COMmunity BankingTM homepage. There, click Not enrolled? Sign up now to get started. Enter your account information, then create a user ID and password.

Now, you’re set up to access remote deposit, online bill pay, e-statements, and more for a seamless banking experience, wherever you may be. Don’t forget to download the banking mobile app and enter this same login information to activate mobile banking on your device!

Access remote deposit services
No time to visit the bank in person? No worries. Your Total Access Checking account makes it easy to deposit checks remotely 1 from your phone via the mobile app. All you have to do is open the navigation bar menu by clicking the plus sign and select Deposit, then snap a photo of the front and back of your check. Confirm the amount you’re depositing, give the details one last look, then click Approve

Send money fast, safe and easy with Zelle®2
Zelle® is an easy way to send and receive money from friends, family and people you know and trust. With just an email address or mobile phone number, you can use Zelle® to send money to almost anyone with a bank account in the U.S. Eligibility requirements may vary depending on where your recipient banks.

We have partnered with Zelle® to offer a unique experience to our customers that is only available through the mobile app. There is no fee for our customers to use Zelle®.

With Zelle®, funds typically arrive in minutes when the recipient is already enrolled. For recipients not yet enrolled with Zelle®, funds are available within minutes once the recipient enrolls. Dollar and frequency limits apply to all transactions. You can find more details here.

Never pay another ATM fee again3
Lucky for you, our Total Access Checking customers can use any ATM for free! Not only is your bank part of a broad network of surcharge-free ATMs you can take advantage of, but we also reimburse any out-of-network ATM fee you pay nationwide. The only thing to note is that reimbursement does not include the 1.10% International Service fee charged for certain transactions outside the U.S.

Protect your account with debit card controls
With a Total Access Checking account, you’re in full control of when, where, and how your debit card4 is used. Our debit card controls let you turn your card on or off, set purchase limits, block or allow specific transactions and merchant types, and even control the geographic location where your debit card can be used.

Make your account safety a priority by enacting debit card controls today. To manage your preferences, head to the mobile app and click on Card Controls from the More menu. All of your eligible cards should automatically appear on the card details screen.

Learn more about debit card controls from our FAQs here.

Manage bill payments
Wouldn’t it be nice to manage your bill payments in one place instead of all across the internet? The mobile app helps you do just that.1

After you’ve enrolled in bill pay services through online banking (see Item 1 in this checklist), you can set up and manage your various bill payments through your Total Access Checking account. Just open the mobile app, click the plus sign, and use the navigation bar menu to select Payees. This menu is where you’ll add, edit and delete bill payees. 

To add a payee, enter payee full name—for instance, the name of your electric company or TV and internet services provider. A list of available payees will generate— select the payee name if it populates; if it doesn’t appear, click on + Create a new payee.

If we have payee information on file, you only need to enter the nickname and account number. If payee information is not on file, enter payee nickname, account number, and address. Once all information is entered, click Done and you’re all set!

To edit or delete a payee, choose the payee from the list of existing payees, click Edit to enter updated information, then click Update. Tap Delete, and the payee is removed. 

Questions?
Our bank’s team of experts provides guidance and direction not just when you get started, but at every step along the way. Contact your banker for assistance or reach out to us here!

1. Account Benefits. Online banking is required to access mobile banking and remote deposit capture. Internet/mobile connectivity is required. Deposits made through mobile banking or remote deposit capture are subject to deposit limits and funds are typically available by next business day. Deposit limits may change at any time. Third-party message and data rates may apply. Other restrictions apply. For more information go to: www.wintrust.com/agreement-and-disclosure2. Zelle®. Zelle® is intended for sending money to family, friends and people you know. U.S. checking or savings account required to use Zelle ®. Transactions between enrolled consumers typically occur in minutes. Dollar and frequency limits apply. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 3. ATM Fees. There is no Wintrust Financial Corporation (‘WTFC’) transaction charge at any ATM in the Allpoint, ATM Access (Town Bank N.A. customers only), MoneyPass, or Sum surcharge free networks. Other banks outside the network may impose ATM surcharges at their machines. Surcharge fees assessed by owners of other ATMs outside the network will be reimbursed. Reimbursement does not include the 1.10% International Service fee charged for certain foreign transactions conducted outside the continental United States. 4. Debit Card. Overdraft fees may apply. A listing of WTFC locations can be found here: www.wintrust.com/locations.

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