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BEST-IN-CLASS

ACCESS PLUS CHECKING

Enjoy a $300 Bonus1 with a Checking Account with the Added Benefit of Interest

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$100 to open. $2,500 average daily balance or $25,000 combined average relationship balance in consumer accounts held at the same charter bank to avoid $10 monthly fee.2 

Enjoy a $300 Bonus1 with a Checking Account with the Added Benefit of Interest

Promo code applied automatically.

$100 to open. $2,500 average daily balance or $25,000 combined average relationship balance in consumer accounts held at the same charter bank to avoid $10 monthly fee.2 
Family taking groceries out of the van

With this interest-bearing account, we’ll help you reach your financial goals faster.

With this interest-bearing account, we’ll help you reach your financial goals faster.

 
  • Early Pay.3 Receive your paycheck up to two days earlier than your scheduled payday.
  • Free ATMs nationwide.4
  • Variable interest rate with interest paid monthly.
  • Waived fees on a 3x5 safe deposit box.5
  • Free first order of bank specialty checks.6
  • 1 outgoing domestic wire transfer fee reimbursed at the end of the account statement cycle.
  • Waived fees for incoming wire transfers.
  • Waived fees when purchasing money orders & cashier’s checks.

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With this interest-bearing account, we’ll help you reach your financial goals faster.

With this interest-bearing account, we’ll help you reach your financial goals faster.

 
  • Early Pay.3 Receive your paycheck up to two days earlier than your scheduled payday.
  • Free ATMs nationwide.4
  • Variable interest rate with interest paid monthly.
  • Waived fees on a 3x5 safe deposit box.5
  • Free first order of bank specialty checks.6
  • 1 outgoing domestic wire transfer fee reimbursed at the end of the account statement cycle.
  • Waived fees for incoming wire transfers.
  • Waived fees when purchasing money orders & cashier’s checks.

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GREAT ONLINE & MOBILE BANKING TOOLS7

Digital Banking Icon


DIGITAL BANKING 

Access your account online or
via mobile device.

 

Check Deposit Icon


CHECK DEPOSIT 

Make deposits from your smartphone.

 

Debit Alerts


ACCOUNT ALERTS 

Get updates on your account
activity.

 

Card Controls


DIGITAL BANKING 

Access your account online or via mobile device.


CHECK DEPOSIT 

Make deposits from your
smartphone.


ACCOUNT ALERTS 

Get updates on your account
activity.


CARD CONTROLS

Control when, where, and how
to use it.


DIGITAL BANKING 

Access your account online or via mobile device.


CHECK
DEPOSIT

Make deposits from your smartphone.


CHECK DEPOSIT
 

Make deposits from your smartphone.


ACCOUNT ALERTS

Get updates on your account activity.


CARD CONTROLS
 

Control when, where, and how to use it.


CARD CONTROLS

Control when, where, and how
to use it.

When you open a new Access Plus Checking account online, you get solid online banking tools and a relationship with a bank that cares about you, your needs, and this area. Join our family to see what community banking is all about.

Want in on Early Pay3?

Receive your paychecks up to two days earlier than your scheduled payday when you send your direct deposits to an Access Plus Checking account.

Talk with a banker to learn more.

Want in on Early Pay3?

Want in on Early Pay3?

Receive your paychecks up to two days earlier than your scheduled payday when you send your direct deposits to an Access Plus Checking account.

Talk with a banker to learn more.

FOLLOW THESE SIMPLE STEPS8 TO EARN YOUR CASH BONUS

1

Open a new Access Plus Checking account

2

Enroll in online banking & e-statements

3

Have $500+ in direct deposits each month of the Qualification Period

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1. Access Plus Checking Bonus Information. Offer valid for accounts opened 2/1/24 – 1/29/25. Offer not available to existing or closed checking 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. Offer combinable with any WTFC savings offer. Bonus payment subject to IRS 1099-INT reporting & may be considered income for tax purposes.

2. Access Plus Checking Fees. $10 monthly maintenance fee – waived with either i) average daily balance of $2,500, or ii) combined average relationship balance of $25,000 per monthly statement cycle. Relationship balances include owned consumer checking, savings, money market, and certificate of deposit including retirement and MaxSafe® deposits held directly with the same charter bank. Fees may reduce earnings.

3. Early Pay. Early Pay allows eligible direct deposits for consumer accounts to be credited to your account up to 2 business days early. Early availability is not guaranteed and is determined based on receipt of payer information and standard fraud prevention monitoring. 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.

4. 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.

5. Safe Deposit Boxes. Free 3x5 box or equivalent discount on larger box. Subject to availability. Limited to 1 per account. Safe deposit boxes are not FDIC-insured.

6. Bank Specialty Checks. Style & quantity restrictions apply.

7. 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.

8. Access Plus Checking Bonus Qualifications. (i) Open new Access Plus Checking account; (ii) mention offer during in-branch account opening, visit URL provided, or enter Echecking300 when applying online; (iii) have direct deposits totaling at least $500 per month 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: wintrust.com/locations.