• 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
• PERSON-TO-PERSON PAYMENTS²
• CARDLESS CASH²
• CUBS DEBIT CARD!³

Chicago Cubs trademark and copyrights proprietary to Chicago Cubs. 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 person-to-person payments. 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. Person-to-person payments require 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.

• 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
• PERSON-TO-PERSON PAYMENTS²
• CARDLESS CASH²
• WHITE SOX DEBIT CARD!³

Chicago White Sox trademark and copyrights proprietary to 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 person-to-person payments. 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. Person-to-person payments require 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.

• 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
• PERSON-TO-PERSON PAYMENTS²
• CARDLESS CASH²
• DEBIT CARD³

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 person-to-person payments. 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. Person-to-person payments require 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.

• 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
• PERSON-TO-PERSON PAYMENTS³
• CARDLESS CASH³
• DEBIT CARD⁴

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. Up to five (5) surcharge fees assessed by owners of other ATMs outside the network will be reimbursed per statement cycle. 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 person-to-person payments. 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. Person-to-person payments require 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.

• 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
• FREE BANK SPECIALTY CHECK PRINTING FOR YOUR PREMIER CHECKING²
• 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
• PERSON-TO-PERSON PAYMENTS³
• CARDLESS CASH³
• DEBIT CARD⁴

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 person-to-person payments. 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. Person-to-person payments require 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.
 

• 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
• PERSON-TO-PERSON PAYMENTS²
• CARDLESS CASH²
• DEBIT CARD³ AVAILABLE TO THOSE 18+
• MYFAMILYCARD PREPAID MASTERCARD AVAILABLE FOR THOSE UNDER 18

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. Surcharge reimbursements do not apply to transactions preformed on the MyFamilyCard Prepaid MasterCard. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and person-to-person payments. 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. Person-to-person payments require 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.
 

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

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.

• AVAILABLE TO INDIVIDUALS UNDER AGE 22
• VARIABLE INTEREST RATE WITH INTEREST PAID QUARTERLY
• 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 CALENDAR QUARTER
• EXCESSIVE TRANSACTION FEES MAY APPLY¹
• ONLINE & MOBILE BANKING²
• REMOTE DEPOSIT²
• 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 calendar month with no transfers by check, draft, debit card, or similar order to third parties. More than eighteen (18) withdrawals in a calendar quarter may be charged an excessive 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.

• VARIABLE INTEREST RATE WITH INTEREST PAID QUARTERLY
• NO MINIMUM OPENING DEPOSIT NEEDED
• $200 MINIMUM DAILY BALANCE REQUIREMENT TO AVOID A $10 FEE PER CALENDAR QUARTER
• EXCESSIVE TRANSACTION FEES MAY APPLY¹
• ONLINE & MOBILE BANKING²
• REMOTE DEPOSIT²
• 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 calendar month with no transfers by check, draft, or similar order to third parties. More than eighteen (18) withdrawals in a calendar quarter may be charged an excessive 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.

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

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.

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

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.

• 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
• 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 monthly statement cycle. More than six (6) withdrawals in a monthly statement cycle may be charged an excessive 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.

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!

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.