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Total Access Checking

Total Access Checking

Total Access Checking

Total Access Checking

At Wintrust, we work hard to design banking solutions that are honest about what they offer. When we say free, we really mean it.

We created Total Access Checking to be a FREE checking account with FREE ATMs nationwide. That’s right, with Total Access Checking, you can say goodbye to ATM fees: we’ll even reimburse for machines outside our network.

We’re not just bankers; we’re bank customers too, so we want to avoid fees just as much as the next person. Total Access Checking is just one simple way we put our customers first.


  • Free ATMs nationwide1
  • No minimum balance required
  • No monthly maintenance fees
  • Only $100 needed to open
  • Online & mobile banking2
  • Remote deposit2
  • Online bill pay2
  • E-statements2
  • Cardless Cash2
  • Debit card3

Note: If this account is opened online, checks are not ordered as part of the opening process. If you'd like to order and write checks with this account, please contact us at 844-760-0280 and we'll be happy to assist you.

Banking products provided by Wintrust Bank.


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1. The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, 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. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank and has had no more than six overdraft occurrences within the past or current calendar year. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs. 3. Overdraft fees may apply.