Data tokens on this page

GET UP TO $150 ON US!1

As a locally-based bank, we’re proud to offer accounts created with this area in mind.
Plus, we provide the extra services you can only find at a true community bank.

GET UP TO $150 ON US!1

As a locally-based bank, we‘re proud to offer accounts created with this area in mind. Plus, we provide the extra services you can only find at a true community bank.

GET UP TO $150 ON US!1

As a locally-based bank, we're proud to offer accounts created with this area in mind. Plus, we provide the extra services you can only find at a true community bank.


See below for qualifying activities.3,5 Promo code applied automatically.


Get free ATMs nationwide with2

Total Access Checking


Only $100 required to open. No minimum monthly balance or monthly maintenance fees. 

When You3

Point 1

Enroll in online banking & activate e-statements

Enroll in online banking & activate
e-statements

Enroll in online banking
& activate e-statements

Point 1

Complete a direct deposit each month for the
qualification period

Complete a direct deposit each month
for the qualification period

Complete a direct deposit each month for the qualification period

Complete a direct deposit each
month for the qualification period

Complete a direct deposit
each month for the
qualification period

See below for qualifying activities.3 Promo code applied automatically.


Our most popular savings account!

Statement Savings4


No minimum deposit to open. Daily minimum balance of $200 required to avoid a $5 monthly maintenance fee.

When You5

Point 1

Deposit $1,000 of new money

Deposit $1,000 of new
money

Point 1

Maintain a minimum balance of $1,000 for the
Qualification Period

Maintain a minimum balance of $1,000 for the Qualification Period

Maintain a minimum balance of $1,000
for the Qualification Period

Maintain a minimum balance of
$1,000 for the Qualification Period

Maintain a minimum
balance of $1,000 for the
Qualification Period

See below for qualifying activities.5 Promo code applied automatically.

Experience the Wintrust difference

Experience the Wintrust difference

  
 

Online & mobile banking

Online & mobile banking6

View your account balance and transactions, transfer funds, and pay bills online.

 

Exclusive Club Icon

Exclusive clubs

From a children’s savings club to a social and travel club for those 50+ years of age, we have something for everyone.

 

Coin Counting Icon

Free coin counting7

We don’t charge you to turn your change into bills. It’s your money.

 


Online & mobile banking6

View your account balance and transactions, transfer funds, and pay bills online.


Exclusive clubs

From a children’s savings club to a social and travel club for those 50+ years of age, we have something for everyone.


Free coin counting7

We don’t charge you to turn your change 
into bills. It’s your money.


Online & mobile banking6

View your account balance and transactions, transfer funds, and pay bills online.


Exclusive clubs

From a children’s savings club to a
social and travel club for those 50+ years of age, we have something for everyone.


Free coin counting7

We don’t charge you to turn your change into bills. It’s your money.

 

 

Community Involvement icon

Community involvement

We’re proud to get involved with and support the organizations that make our community so special.

 

Educational seminars icon

Educational seminars

We cover topics that are important to you: retirement planning, college savings, building credit, and more.

 

Free events icon

Free events

Connect with your community at cookouts, shred days, holiday celebrations, networking nights, and more.


Community involvement

With our local partnerships, we’re proud to support the community by getting involved and giving back.


Educational seminars

We cover topics that are important to you: retirement planning, college savings, 
building credit, and more.


Free events

Connect with your community at cookouts, shred days, holiday celebrations, networking nights, and more.


Community involvement

We’re proud to get involved with and 
support the organizations that make our community so special.


Educational seminars

We cover topics that are important to you: retirement planning, college savings, building credit, and more.


Free events

Connect with your community at cookouts, shred days, holiday celebrations, networking nights, and more.

    

We’re proud to provide solutions to help you navigate your unique needs. 

See below for qualifying activities.3,5 Promo code applied automatically.

It only takes a few minutes!



1. General Bonus Information.
 Offers valid for accounts opened 2/1/24 — 1/29/25. Offers not available to existing or closed checking/savings account customers of Wintrust Financial Corporation ('WTFC') & its subsidiaries or employees. Limit 1 bonus payment per customer, regardless of number of accounts opened; may only be received from 1 WTFC location. Total Access Checking offer combinable with any WTFC savings offer; Statement Savings offer combinable with any WTFC checking offer. Bonus payment subject to IRS 1099-INT reporting & may be considered income for tax purposes.

2. ATM Fees. No WTFC transaction charge at ATMs in the Allpoint, ATM Access (Town Bank customers only), MoneyPass, or Sum networks. Banks outside the network may impose ATM surcharges. Surcharge fees assessed by owners of ATMs outside the network will be reimbursed. Reimbursement excludes 1.10% International Service fee for certain foreign transactions conducted outside the continental U.S.

3. Total Access Checking Bonus Qualifications. (i) Open new Total Access Checking account; (ii) mention offer during in-branch account opening, visit URL provided, or enter TAC100 when applying online; (iii) have direct deposits made to the new account for 2 consecutive calendar months after the calendar month the new account was opened (‘Qualification Period’); & (iv) enroll in online banking & e-statements within the Qualification Period. 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 WTFC, 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 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 WTFC locations can be found here: www.wintrust.com/locations.

4. Statement Savings Account. Interest rate may change at any time. Fees may reduce earnings.

5. Statement Savings Bonus Qualifications. (i) Open new Statement Savings account; (ii) mention offer during in-branch account opening, visit URL provided, or enter Savings50 when applying online; (iii) deposit $1,000 or more of new money (defined as money not currently held at any WTFC location); & (iv) maintain minimum balance of at least $1,000 on the last business day of each of the 3 consecutive calendar months following the calendar month the new account is opened (‘Qualification Period’). New account must be open & have a balance greater than $0 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 WTFC locations can be found here: wintrust.com/locations.

6. Digital Banking Services. Online or mobile banking required to access Zelle®. Internet/mobile connectivity required. Mobile banking required to access remote deposit capture. Deposits made through mobile banking or remote deposit capture are subject to deposit limits & funds are typically available by next business day. Deposit limits may change at any time. Third-party message/data rates & other restrictions may apply. For more information go to: wintrust.com/agreement-and-disclosure.

7. Free Coin Counting. Available for consumer households, business customers, & nonprofits. Fees may apply for non-customer businesses.