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Community Banking You Can Count On

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Earn Up to $500.1

Earn Up to $500.1

Open a New Total Access Checking account and get a $300 or $500 bonus (with qualifying activities2). See how below. 

Open a New Total Access Checking account and get a $300 or $500 bonus (with qualifying activities2). See how below. 

OPEN AN ACCOUNT

Promo code applied automatically. $100 to open. No minimum monthly balance or monthly maintenance fees.

Earn Up to $500.1

Open a New Total Access Checking account and get a $300 or $500 bonus (with qualifying activities2). See how below. 

OPEN AN ACCOUNT

Promo code applied automatically. $100 to open. No minimum monthly balance or monthly maintenance fees.

Main / Personal Banking

More Account Options to Fit Your Needs

More Account Options to Fit Your Needs

Savings Accounts and CDs

Savings Accounts and CDs

Start Saving

Everyday Loan

Everyday Loan

Get Started

Financial Guidance from our Experts

Financial Guidance from our Experts

Banking Products and Services to Propel Your Next Chapter

Banking Products and Services to Propel Your Next Chapter

Simple Banking Tools to Build Financial Success. From depositing coins...

Read Full Article

10 Financial Steps to Take When Starting Your First Job

10 Financial Steps to Take When Starting Your First Job

First job? Congrats! There’s a lot to think about as a new hire, but it’s the perfect time...

Read Full Article

Checking Accounts for Your Life. Plus a Great Bonus.

Checking Accounts for Your Life. Plus a Great Bonus.

Earn $5001

Earn $5001

  1. Open a new Total Access Checking, Access Plus Checking, or Premier Checking account
  2. Enroll in online banking & e-statements
  3. Have $2,000+ in direct deposits each month of  the Qualification Period2

OR

OR

Earn $3001

Earn $3001

  1. Open a new Total Access Checking, Access Plus Checking, or Premier Checking account
  2. Enroll in online banking & e-statements
  3. Have $500+ in direct deposits each month of the Qualification Period2
CHOOSE YOUR ACCOUNT
CHOOSE YOUR ACCOUNT
CHOOSE YOUR ACCOUNT

Choose Your Account

Choose Your Account

Choose Your Account

Total Access Checking

Total Access Checking

Everyday banking basics without the fuss.

  • Early Pay. Receive your paycheck up to two business days earlier than your scheduled payday.3
  • Free ATMs nationwide.4

Requirements:

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

Promo code applied automatically.

Access Plus Checking

Access Plus Checking

Access better checking account benefits for your financial health.

Variable interest rate with interest paid monthly.

  • Waived fees on a 3x5 safe deposit box.5
  • Waived fee on first order of bank specialty checks.6
  • One 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.

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.7
OPEN AN ACCOUNT

Promo code applied automatically.

Premier Checking

Premier Checking

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

Tiered & variable interest rate with interest paid monthly.

  • Interest rate bonus on all Statement Savings Advanced accounts of 0.15% over the current Statement Savings Advanced interest rate.8
  • Waived fees on a 3x10 safe deposit box.9
  • Waived fees on bank specialty check printing for your Premier Checking account.6
  • 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
OPEN AN ACCOUNT

Promo code applied automatically.

1. General Bonus Information. Offer valid for eligible accounts opened 5/13/26 – 11/3/26. Offer not available to existing or closed personal checking account customers of Wintrust Financial Corporation & its subsidiaries; and Wintrust Financial Corporation employees. Customers who have (or had) a personal checking account with Wintrust Financial Corporation that was opened before the new account are not eligible for the offer. In addition, if you are later (prior to us paying the bonus) added as an owner to a personal checking account with Wintrust Financial Corporation and that account was opened prior to the new account, you will become ineligible for the offer. Limit 1 bonus payment per customer. Offer combinable with any Wintrust Financial Corporation savings offer. Bonus payment subject to IRS 1099-INT reporting & may be considered income for tax purposes.

2. Bonus Builder Qualifications. To qualify for a $300 bonus payment, you must (i) Mention offer during in-branch account opening, visit URL provided, or enter Builder when applying online; (ii) have direct deposits totaling at least $500 or more to your new account each month for 2 consecutive calendar months after the calendar month your new account was opened ('Qualification Period'); & (iii) enroll in online banking & e-statements within the Qualification Period. Or to qualify for a $500 bonus payment, you must (i) Mention offer during in-branch account opening, visit URL provided, or enter Builder when applying online; (ii) have direct deposits totaling at least $2,000 or more to your new account each month for 2 consecutive calendar months after the calendar month your new account was opened ('Qualification Period'); & (iii) 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 Wintrust Financial Corporation, 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 at the end of the Qualification Period 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 Wintrust Financial Corporation locations can be found here: wintrust.com/locations

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