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.