1. Bonus Builder Information. Offer valid for accounts opened 2/11/26 – 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. Limit 1 checking account 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. 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 the 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 the 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

2. Total Access Checking: $100 to open. No minimum monthly balance or monthly maintenance fees. Access Plus Checking: $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 fee. Variable interest rate with interest paid monthly. Premier Checking: $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 fee. Tiered & variable interest rate with interest paid monthly.

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6.  Junior Savers Bonus Qualifications. Mention this offer during in-branch account opening, follow the instructions to apply in the promotional URL provided, or enter “Junior10” in the PROMO CODE section of the application when applying online. If your account is opened on a non-business day (weekends and federal holidays), your account opening date is the next business day. 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 60 calendar days. A listing of Wintrust Financial Corporation locations can be found here: wintrust.com/locations