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Establish a program at Village Bank & Trust that allows your money to grow, while letting our services take care of your banking needs. Whether you are looking to open a new checking account, save for your future, or add to your current portfolio, Village Bank & Trust has a program for you.

Cubs Checking

  • 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
  • PEER-TO-PEER PAYMENTS2
  • CARDLESS CASH2
  • CUBS MASTERCARD® DEBIT CARD!3


MasterCard is a registered trademark of MasterCard International Incorporated. Banking services provided by Wintrust Community Banks. Chicago Cubs and Chicago White Sox trademarks and copyrights proprietary to Chicago Cubs and Chicago White Sox. Used with permission. 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 by MasterCard® 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 and People Pay. 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 for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar year. People Pay requires a Checking account. Cardless Cash requires a checking account and debit card with the bank and is available only at Wintrust Community Bank ATMs. 3. Overdraft fees may apply.

White Sox Checking

  • 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
  • PEER-TO-PEER PAYMENTS2
  • CARDLESS CASH2
  • WHITE SOX MASTERCARD® DEBIT CARD!3


MasterCard is a registered trademark of MasterCard International Incorporated. Banking services provided by Wintrust Community Banks. Chicago Cubs and Chicago White Sox trademarks and copyrights proprietary to Chicago Cubs and Chicago White Sox. Used with permission. 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 by MasterCard® 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 and People Pay. 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 for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar year. People Pay requires a Checking account. Cardless Cash requires a checking account and debit card with the bank and is available only at Wintrust Community Bank ATMs. 3. Overdraft fees may apply.

Wintrust Total Access Checking

  • 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
  • PEER-TO-PEER PAYMENTS2
  • CARDLESS CASH2
  • MASTERCARD® DEBIT CARD3


MasterCard is a registered trademark of MasterCard International Incorporated. Banking services provided by Wintrust Community Banks. 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 by MasterCard® 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 and People Pay. 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 for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar year. People Pay requires a Checking account. Cardless Cash requires a checking account and debit card with the bank and is available only at Wintrust Community Bank ATMs. 3. Overdraft fees may apply.

Wintrust Access Plus Checking

  • FIVE FREE NATIONWIDE ATM REFUNDS PER STATEMENT CYCLE1
  • ONLY $100 NEEDED TO OPEN
  • $1,000 MINIMUM DAILY BALANCE OR $2,500 AVERAGE BALANCE FOR THE MONTHLY STATEMENT CYCLE TO AVOID A $10 MONTHLY FEE
  • VARIABLE INTEREST RATE WITH INTEREST PAID MONTHLY
  • FREE FIRST ORDER OF SPECIALTY CHECKS2
  • ONLINE & MOBILE BANKING3
  • REMOTE DEPOSIT3
  • ONLINE BILL PAY3
  • E-STATEMENTS3
  • PEER-TO-PEER PAYMENTS3
  • CARDLESS CASH3
  • MASTERCARD® DEBIT CARD4


MasterCard is a registered trademark of MasterCard International Incorporated. Banking services provided by Wintrust Community Banks. 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 by MasterCard® for certain foreign transactions conducted outside the continental United States. 2. Restrictions on style and quantity may apply. 3. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and People Pay. 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 for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar year. People Pay requires a Checking account. Cardless Cash requires a checking account and debit card with the bank and is available only at Wintrust Community Bank ATMs. 4. Overdraft fees may apply.

Wintrust Premier Checking

  • FREE ATMS NATIONWIDE1
  • ONLY $100 NEEDED TO OPEN
  • $10,000 AVERAGE DAILY BALANCE OR $75,000 COMBINED AVERAGE RELATIONSHIP BALANCE FOR THE MONTHLY STATEMENT CYCLE TO AVOID A $25 MONTHLY FEE
  • TIERED AND VARIABLE INTEREST RATE WITH INTEREST PAID MONTHLY WHEN $10,000 MINIMUM DAILY BALANCE IS MET
  • FREE FIRST ORDER OF SPECIALTY CHECKS2
  • WAIVED FEES WHEN PURCHASING MONEY ORDERS, CASHIER CHECKS, AND TRAVELERS CHECKS
  • WAIVED FEES FOR INCOMING WIRE TRANSFERS CREDITED TO YOUR PREMIER CHECKING ACCOUNT
  • WAIVED FEES ON A SAFE DEPOSIT BOX – SMALLEST BOX SIZE OFFERED AT THE BRANCH LOCATION OR EQUIVILENT DISCOUNTS ON A LARGER SIZE BOX
  • ONLINE & MOBILE BANKING3
  • REMOTE DEPOSIT3
  • ONLINE BILL PAY3
  • E-STATEMENTS3
  • PEER-TO-PEER PAYMENTS3
  • CARDLESS CASH3
  • MASTERCARD® DEBIT CARD4


MasterCard is a registered trademark of MasterCard International Incorporated. Banking services provided by Wintrust Community Banks. 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 by MasterCard® for certain foreign transactions conducted outside the continental United States. 2. Restrictions on style and quantity may apply. 3. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and People Pay. 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 for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar year. People Pay requires a Checking account. Cardless Cash requires a checking account and debit card with the bank and is available only at Wintrust Community Bank ATMs. 4. Overdraft fees may apply.

 

Wintrust Student Checking

  • AVAILABLE TO STUDENTS 16 TO 25 YEARS OF AGE
  • FIVE FREE NATIONWIDE ATM REFUNDS PER STATEMENT CYCLE1
  • NO MINIMUM BALANCE REQUIRED
  • NO MONTHLY MAINTENANCE FEES
  • NO MINIMUM OPENING DEPOSIT NEEDED
  • ONLINE & MOBILE BANKING2
  • REMOTE DEPOSIT2
  • ONLINE BILL PAY2
  • E-STATEMENTS2
  • PEER-TO-PEER PAYMENTS2
  • CARDLESS CASH2
  • MASTERCARD® DEBIT CARD3 AVAILABLE TO THOSE 18+
  • MYFAMILYCARD PREPAID MASTERCARD AVAILBLE FOR THOSE UNDER 18


MasterCard is a registered trademark of MasterCard International Incorporated. Banking services provided by Wintrust Community Banks. 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. Bank will reimburse up to 5 national surcharge fees assessed by owners of ATM's outside network per month. Reimbursement does not include the 1.10% International Service fee charged by MasterCard® 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 and People Pay. 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 for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar year. People Pay requires a Checking account. Cardless Cash requires a checking account and debit card with the bank and is available only at Wintrust Community Bank ATMs. 3. Overdraft fees may apply.

 

Platinum Preferred Checking Account®

This account is for people 50 years and older. Enroll in a Platinum Preferred Account and receive a great checking product plus a host of free and discounted products and services!

Features/Benefits

  • Free interest bearing checking
  • No minimum balance and no monthly fee*
  • Tiered account interest - the higher the balance, the higher the rate
  • FREE first order of specialty imprinted checks**
  • FREE bank checks for life
  • NO ANNUAL FEE ATM or MasterCard debit card
  • Free access to SUM and MoneyPass ATMs in the Chicagoland area
  • FREE single signature traveler's checks, money orders and cashier's checks
  • FREE Notary Services
  • FREE Online Banking and Telebank
  • FREE Bill Pay
  • FREE Quicken and Microsoft Money download capabilities
  • 10 FREE photocopies or local fax transmissions per month

 

Minimum Opening Balance:  $1.00
Monthly Maintenance Fee: None
Check Writing: Unlimited
Interest Rate Tiers

$1.00 - $4,999.99
$5,000.00 & Over

This account features check imaging.


*Overdraft charges and fees for special services may apply.

**Limitations apply on type of check and quantity ordered. 

***Must maintain a minimum daily balance of $1.00 in the account each day to obtain the disclosed APY.

Wintrust Junior Savers

  • AVAILABLE TO INDIVIDUALS UNDER AGE 22
  • VARIABLE INTEREST RATE WITH INTEREST PAID QUARTERLY
  • NO MONTHLY MAINTENANCE FEES
  • NO MINIMUM OPENING DEPOSIT NEEDED
  • NO MINIMUM BALANCE REQUIRED FOR THOSE UNDER 22
  • $200 MINIMUM DAILY BALANCE REQUIREMENT FOR THOSE 22+ TO AVOID A $10 FEE PER QUARTERLY STATEMENT CYCLE
  • EXCESSIVE TRANSACTION FEES MAY APPLY1
  • ONLINE & MOBILE BANKING2
  • REMOTE DEPOSIT2
  • ONLINE BILL PAY2
  • E-STATEMENTS2

1. Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six (6) per month with no transfers by check, draft, debit card, or similar order to third parties. More than six (6) withdrawals in a month may be charged an excess transaction fee. Please see the bank's fee schedule for more details. You may make unlimited ATM withdrawals and unlimited withdrawals in person at a teller window. 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 for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar year.

Wintrust Statement Savings

  • VARIABLE INTEREST RATE WITH INTEREST PAID QUARTERLY
  • NO MONTHLY MAINTENANCE FEES
  • NO MINIMUM OPENING DEPOSIT NEEDED
  • $200 MINIMUM DAILY BALANCE REQUIREMENT TO AVOID A $10 FEE PER QUARTERLY STATEMENT CYCLE
  • EXCESSIVE TRANSACTION FEES MAY APPLY1
  • ONLINE & MOBILE BANKING2
  • REMOTE DEPOSIT2
  • ONLINE BILL PAY2
  • E-STATEMENTS2

1. Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six (6) per month with no transfers by check, draft, debit card, or similar order to third parties. More than six (6) withdrawals in a month may be charged an excess transaction fee. Please see the bank's fee schedule for more details. You may make unlimited ATM withdrawals and unlimited withdrawals in person at a teller window. 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 for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar year.

Platinum Preferred Savings Account®

No minimum balance requirement when you are 50 years of age or more. This interest-earning account is available in statement format.

Minimum Opening Balance$1.00
Minimum Balance RequiredNone
Excess Withdrawal Fee
6 per month / 18 per quarter
$10.00 each**

 

Interest Earning Accounts

The daily balance method of calculating interest is used on all interest bearing accounts. This method applies a daily period rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (checks). At our discretion, the interest rate or annual percentage yield may change without prior notice on variable rate accounts.

Withdrawal Limits

**Federal regulation allows for a maximum of 6 per month /18 per quarter pre-authorized, automatic, or telephone transfers each month, with unlimited in-person, ATM or by mail withdrawals permitted.

Platinum Preferred Savings is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded quarterly and credited to your account quarterly.

High Rise Savings Account

Take your savings rates to NEW HEIGHTS! The higher your balance, the higher the interest rate!  

Minimum Opening Balance $250.00
Minimum Daily Balance $250.00
Quarterly Maintenance Fee if Balance falls below minimum $5.00
Excess Withdrawal Fee
6 per month/18 per quarter
$10.00 each**
Interest Rate Tiers $0.01 – 4,999.99
$5,000.00 – 24,999.99
$25,000.00 – 49,999.99 
$50,000.00 or more

 

Required Daily Balance

*For service charge purposes, the average monthly balance is calculated by the aggregate balance for the month divided by the number of days in the month.

Interest Earning Accounts

The daily balance method of calculating interest is used on all interest bearing accounts. This method applies a daily period rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (checks). At our discretion, the interest rate or annual percentage yield may change without prior notice on variable rate accounts.

Withdrawal Limits

**Federal regulation allows for a maximum of six (6) pre-authorized, automatic, or telephone transfers each month, with unlimited in-person, ATM or by mail withdrawals permitted.

High Rise Savings is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded every quarter and credited to your account every quarter.

Wintrust Money Market

  • TIERED AND VARIABLE INTEREST RATE WITH INTEREST PAID MONTHLY
  • $100 MINIMUM OPENING DEPOSIT NEEDED
  • $2,500 MINIMUM DAILY BALANCE OR $5,000 AVERAGE DAILY BALANCE REQUIREMENT TO AVOID A $15 FEE PER MONTHLY STATEMENT CYCLE
  • EXCESSIVE TRANSACTION FEES MAY APPLY1
  • ONLINE & MOBILE BANKING2
  • REMOTE DEPOSIT2
  • ONLINE BILL PAY2
  • E-STATEMENTS2


1. Transfers from a money market account to an account of the same depositor at this bank or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, or similar order to third parties are limited to six (6) per month. More than six (6) withdrawals in a month may be charged an excess transaction fee. Please see the bank's fee schedule for more details.  You may make unlimited ATM withdrawals and unlimited withdrawals in person at a teller window. 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 for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar year.

Certificates of Deposit

A Village Bank & Trust Certificate of Deposit is a great saving choice for those who don't need access to their accounts for a fixed period of time. We have CDs ranging from 31 days to 5 years with very competitive rates. Start a CD today and plan for the future!

Minimum Opening Balance $1,000.00

 

Interest Earning Accounts

The daily balance method of calculating interest is used on all interest bearing accounts. This method applies a daily period rate to the principal in the account each day. Interest begins to accrue on the business day you deposit. At our discretion, the interest rate or annual percentage yield may change without prior notice on variable rate accounts.

Interest rates vary depending on the term of the CD. Interest is calculated using the daily balance method. You may not make deposits into the account until the maturity date. Subject to early withdrawal penalties.  See CD for our renewal policy and your options on how interest is calculated and paid.