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Don’t Just Pay, Cheer!

Don’t Just Pay, Cheer!

We’re proud to be Chicago’s Bank® for Chicago’s Teams™. Open a qualifying Wintrust Community Banks checking account to score a debit card that matches your fandom.

We’re proud to be Chicago’s Bank® for Chicago’s Teams™. Open a qualifying Wintrust Community Banks checking account to score a debit card that matches your fandom.

Choose Your Checking Account
To Score Your Card1

Choose Your Checking Account
To Score Your Card1

Choose Your Checking Account
To Score Your Card1

Root, Root, Root for the Cubs Everywhere!

Root, Root, Root for the Cubs Everywhere!

Root, Root, Root for the Cubs Everywhere!

Choose your account and score your Cubs debit card. Make the switch to a new Total Access Checking, Access Plus Checking, or Premier Checking account today and get a $300 bonus2 when you open with qualifying activities!3

Choose your account and score your Cubs debit card. Make the switch to a new Total Access Checking, Access Plus Checking, or Premier Checking account today and get a $300 bonus2 when you open with qualifying activities!3

Add Firepower To Your Wallet

Add Firepower To Your Wallet

Add Firepower To Your Wallet

Choose your account and score your Fire debit card. Make the switch to a new Total Access Checking, Access Plus Checking, or Premier Checking account today and get a $300 bonus2 when you open with qualifying activities!3

Choose your account and score your Fire debit card. Make the switch to a new Total Access Checking, Access Plus Checking, or Premier Checking account today and get a $300 bonus2 when you open with qualifying activities!3

Show Off Your Southside Pride!

Show Off Your Southside Pride!

Show Off Your Southside Pride!

Choose your account and score your White Sox debit card. Make the switch to a new Total Access Checking, Access Plus Checking, or Premier Checking account today and get a $300 bonus2 when you open with qualifying activities!3

Choose your account and score your White Sox debit card. Make the switch to a new Total Access Checking, Access Plus Checking, or Premier Checking account today and get a $300 bonus2 when you open with qualifying activities!3

Show Off Your Wildcat Pride!

Show Off Your Wildcat Pride!

Show Off Your Wildcat Pride!

Choose your account and score your Northwestern Athletics debit card. Make the switch to a new Total Access Checking, Access Plus Checking, or Premier Checking account today and get a $300 bonus2 when you open with qualifying activities!3

Choose your account and score your Northwestern Athletics debit card. Make the switch to a new Total Access Checking, Access Plus Checking, or Premier Checking account today and get a $300 bonus2 when you open with qualifying activities!3

Get Your Blue Demon Essentials

Get Your Blue Demon Essentials

Get Your Blue Demon Essentials

Choose your account and score your DePaul debit card. Make the switch to a new Total Access Checking, Access Plus Checking, or Premier Checking account today and get a $300 bonus2 when you open with qualifying activities!3

Choose your account and score your DePaul debit card. Make the switch to a new Total Access Checking, Access Plus Checking, or Premier Checking account today and get a $300 bonus2 when you open with qualifying activities!3

Total Access Checking

Total Access Checking

Everyday banking basics without the fuss.

Product Features

  • Early Pay. Receive your paycheck up to two days earlier than your scheduled payday.4
  • Free ATMs nationwide.5

Requirements

  • $100 to open.
  • No minimum monthly balance or monthly maintenance fees.

Access Plus Checking

Access Plus Checking

Access better checking account benefits for your financial health.

Product Features

  • Variable interest rate with interest paid monthly. 
  • Waived fees on a 3x5 safe deposit box.6
  • Waived fee on first order of bank specialty checks.7
  • 1 outgoing domestic wire transfer fee reimbursed at the end of the account statement cycle. 
  • Waived fees for incoming wire transfers. 
  • Waived fees when purchasing money orders & cashier’s checks. 
  • And more!

Requirements

  • $100 to open.
  • $2,500 average daily balance or $25,000 combined average relationship balance in consumer accounts held at the same charter bank to avoid $10 monthly maintenance fee.8

Premier Checking

Premier Checking

Power your checking account’s financial health with the perks you need.

Product Features:

  • Rate bonus on all Statement Savings Advanced accounts of 0.15% over the current Statement Savings Advanced interest rate.9
  • Waived fees on a 3x10 safe deposit box.6
  • Tiered & variable interest rate with interest paid monthly. 
  • Waived fees on bank specialty check printing for your Premier Checking account.7
  • Waived Stop Payment fees. 
  • Waived fees for incoming wire transfers. 
  • Up to 5 outgoing domestic wire transfer fees reimbursed at the end of the account statement cycle if minimum balance requirements are met. 
  • And more!

Requirements

  • $100 to open.
  • $10,000 average daily balance or $75,000 combined average relationship balance in consumer accounts held at the same charter bank to avoid $25 monthly maintenance fee.10

It Pays To Be a Fan

It Pays To Be a Fan

Get your official team card and enjoy our great account features!

Free Coin Counting11

We don’t charge you to turn your change 
into bills. It’s your money.

Digital Banking12

Access and manage your account right from your mobile device.

No Overdraft Fees13

We don’t charge you for mistakes.

200+ Locations

Enjoy convenient service at any location in our network.

Split The Check, Spread The Pride

Split The Check,
Spread The Pride

Our approach is to let fans pay like fans.

4.20%

4.20%


APY

7 Month CD Special14

$1,000 to open. New money only.

We offer a range of CD terms, allowing you to select the account that best suits your financial goals.

4.20%


APY

7 Month CD Special14

$1,000 to open. New money only.

We offer a range of CD terms, allowing you to select the account that best suits your financial goals.

4.20%


APY

7 Month CD Special14

$1,000 to open. New money only.

We offer a range of CD terms, allowing you to select the account that best suits your financial goals.

Go Above and Beyond
Banking Essentials

Go Above and Beyond
Banking Essentials

Travel perks, financial education, notary services, and more — see 13 services Wintrust provides that you might not know about.

Go Above and Beyond
Banking Essentials

Go Above and Beyond
Banking Essentials

Travel perks, financial education, notary services, and more — see 13 services Wintrust provides that you might not know about.

Mastercard is a registered trademark, & the circles design is a trademark, of Mastercard International Incorporated. Major League Baseball trademarks & copyrights are used with permission of Major League Baseball. Visit MLB.com.

1. Debit Cards. Specialty debit cards not available for all Wintrust Community Bank account types, charters, and branches.

2. Total Access Checking, Access Plus Checking, or Premier Checking Bonus Information. Offer valid for accounts opened 2/1/24 - 11/05/25. Offer not available to existing or closed checking account customers of Wintrust Financial Corporation ('WTFC') & its subsidiaries or employees, and Macatawa Bank locations. 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, Access Plus Checking, or Premier Checking Bonus Qualifications. (i) Open new Total Access Checking, Access Plus Checking, or Premier 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. Your account opening date is the business day that we open your account. If your account is opened on a non-business day (weekends and federal holidays), your account opening date is the next business day. 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. Early Pay. Early Pay allows eligible direct deposits for consumer accounts to be credited to your account up to 2 days early. Early availability is not guaranteed & is determined based on receipt of payer information and standard fraud prevention monitoring. 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.

5. 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 domestic ATMs outside the network will be reimbursed. Reimbursement excludes 1.10% International Service fee for certain foreign transactions conducted outside the continental U.S.

6. Safe Deposit Boxes. Safe deposit boxes are not FDIC-insured. Waived fee on box size offered or equivalent discount on a larger size box. Limit 1 per account. Subject to availability.

7. Bank Specialty Checks. Style & quantity restrictions apply.

8. Access Plus Checking Fees. $10 monthly maintenance fee – waived with either i) average daily balance of $2,500, or ii) combined average relationship balance of $25,000 per monthly statement cycle. Relationship balances include owned consumer checking, savings, money market, and certificate of deposit including retirement and MaxSafe® deposits held directly with the same charter bank. Fees may reduce earnings.

9. Interest Rate Bonus. Must have a common account owner on both the Statement Savings Advanced account(s) and the Premier Checking account(s) with the same charter. Both accounts must remain open and maintain a common account owner to receive the interest rate bonus. Rate increase is effective the next business day after the second account is opened.

10. Premier Checking Fees. $25 monthly maintenance fee – waived with either i) average daily balance of $10,000, or ii) combined average relationship balance of $75,000 per monthly statement cycle. Relationship balances include owned consumer checking, savings, money market, and certificate of deposit including retirement and MaxSafe® deposits held directly with the same charter bank. Fees may reduce earnings.

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

12. Digital Banking Services. Online or mobile banking required to access Zelle®. Internet/mobile connectivity required. Mobile banking required to access remote deposit capture. Deposits made through mobile banking or remote deposit capture are subject to deposit limits & funds are typically available by next business day. Deposit limits may change at any time. Third-party message/data rates & other restrictions may apply. For more information go to wintrust.com/agreement-and-disclosure.

13. Overdrafts. We may decline or return transactions when you do not have enough money in your account to cover the transaction.

14. CD Special. Annual Percentage Yield (‘APY’) accurate as of 6/20/2025 & assumes funds remain on deposit until maturity. At maturity, CD Specials automatically renew into a CD with a different term at our standard interest rate and APY in effect on the maturity date, as stated in your Truth in Savings disclosure. Renewals are not subject to a promotional special rate, unless the bank has notified you otherwise. 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 WTFC location.