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Take A Different
Approach To Your
Checking Account
Take A Different
Approach To Your
Checking Account
Say goodbye to one-size-fits-all checking. Make the switch to the account that best fits your unique needs.
Take A Different
Approach To Your
Checking Account
Say goodbye to one-size-fits-all checking. Make the switch to the account that best fits your unique needs.
Choose Your Checking Account
Total Access Checking
Everyday banking basics without the fuss.
Product Features
Early Pay. Receive your paycheck up to two days earlier than your scheduled payday. 1
Free ATMs nationwide.2
Requirements
- $100 to open.
- No minimum monthly balance or monthly maintenance fees.
Access Plus Checking
Access better checking account benefits for your financial health.
Enjoy all the great features of Total Access Checking, plus:
Variable interest rate with interest paid monthly.
Waived fees on a 3x5 safe deposit box.3
Free first order of bank specialty checks.4
Waived fee on one outgoing domestic wire transfer per statement cycle.
Waived fees for incoming wire transfers.
Waived fees when purchasing money orders & cashier’s checks.
Requirements
- $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.5
Choose Your Checking Account
Access Plus Checking
Access better checking account benefits for your financial health.
Enjoy all the great features of Total Access Checking, plus:
Variable interest rate with interest paid monthly.
Waived fees on a 3x5 safe deposit box.3
Free first order of bank specialty checks.4
Waived fee on one outgoing domestic wire transfer per statement cycle.
Waived fees for incoming wire transfers.
Waived fees when purchasing money orders & cashier’s checks.
Requirements
- $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.5
Premier Checking
BEST-IN-CLASS
Power your checking account’s financial health with the perks you need.
Enjoy all the great features of Access Plus Checking, plus:
Interest rate bonus on all Statement Savings Advanced accounts of 0.15% over the current Statement Savings Advanced rate.6
Waived fees on a 3x10 safe deposit box.7
Tiered & variable interest rate with interest paid monthly.
Free specialty check printing for your Premier Checking account.4
Waived Stop Payment fees.
Waived fees for incoming wire transfers.
Waived fees on up to 5 domestic outgoing wire transfers per statement cycle if account minimum balance requirement is met. Fees reimbursed at the end of the statement cycle.
Requirements
- $100 to open.
- $10,000 average daily balance or $75,000 combined average relationship balance in consumer accounts held at the same charter bank to avoid $25 monthly fee.8
- wintrust grid
Choose Your Checking Account
Total Access Checking
Everyday banking basics without the fuss.
Product Features
Early Pay. Receive your paycheck up to two days earlier than your scheduled payday. 1
Free ATMs nationwide.2
Requirements
- $100 to open.
- No minimum monthly balance or monthly maintenance fees.
Choose Your Checking Account
Access Plus Checking
Access better checking account benefits for your financial health.
Enjoy all the great features of Total Access Checking, plus:
Variable interest rate with interest paid monthly.
Waived fees on a 3x5 safe deposit box.3
Free first order of bank specialty checks.4
Waived fee on one outgoing domestic wire transfer per statement cycle.
Waived fees for incoming wire transfers.
Waived fees when purchasing money orders & cashier’s checks.
Requirements
- $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.5
Choose Your Checking Account
Premier Checking
BEST-IN-CLASS
Power your checking account’s financial health with the perks you need.
Enjoy all the great features of Access Plus Checking, plus:
Interest rate bonus on all Statement Savings Advanced accounts of 0.15% over the current Statement Savings Advanced rate.6
Waived fees on a 3x10 safe deposit box.7
Tiered & variable interest rate with interest paid monthly.
Free specialty check printing for your Premier Checking account.4
Waived Stop Payment fees.
Waived fees for incoming wire transfers.
Waived fees on up to 5 domestic outgoing wire transfers per statement cycle if account minimum balance requirement is met. Fees reimbursed at the end of the statement cycle.
Requirements
- $100 to open.
- $10,000 average daily balance or $75,000 combined average relationship balance in consumer accounts held at the same charter bank to avoid $25 monthly fee.8
- Wintrust Grid 1
- Wintrust Grid 2
Choose Your Checking Account
Choose Your Checking Account
Total Access Checking
Everyday banking basics without the fuss.
Product Features
Early Pay. Receive your paycheck up to two days earlier than your scheduled payday.1
Free ATMs nationwide.2
Requirements
- $100 to open.
- No minimum monthly balance or monthly maintenance fees.
Access Plus Checking
Access better checking account benefits for your financial health.
Enjoy all the great features of Total Access Checking, plus:
Variable interest rate with interest paid monthly.
Waived fees on a 3x5 safe deposit box.3
Free first order of bank specialty checks.4
Waived fee on one outgoing domestic wire transfer per statement cycle.
Waived fees for incoming wire transfers.
Waived fees when purchasing money orders & cashier’s checks.
Requirements
- $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.5
Premier Checking
BEST-IN-CLASS
Power your checking account’s financial health with the perks you need.
Enjoy all the great features of Access Plus Checking, plus:
Interest rate bonus on all Statement Savings Advanced accounts of 0.15% over the current Statement Savings Advanced rate.6
Waived fees on a 3x10 safe deposit box.7
Tiered & variable interest rate with interest paid monthly.
Free specialty check printing for your Premier Checking account.4
Waived Stop Payment fees.
Waived fees for incoming wire transfers.
Waived fees on up to 5 domestic outgoing wire transfers per statement cycle if account minimum balance requirement is met. Fees reimbursed at the end of the statement cycle.
Requirements
- $100 to open.
- $10,000 average daily balance or $75,000 combined average relationship balance in consumer accounts held at the same charter bank to avoid $25 monthly fee.8
Want In On Early Pay?
Receive your paychecks up to two days earlier than your scheduled payday when you send your direct deposits to a Total Access Checking, Access Plus Checking, or Premier Checking account.1
Talk with a banker to learn more.
Want In On Early Pay?
Receive your paychecks up to two days earlier than your scheduled payday when you send your direct deposits to a Total Access Checking, Access Plus Checking, or Premier Checking account.1
Talk with a banker to learn more.
Want In On Early Pay?
Receive your paychecks up to two days earlier than your scheduled payday when you send your direct deposits to a Total Access Checking, Access Plus Checking, or Premier Checking account.1
Talk with a banker to learn more.
Saving Your Money Is Great. Growing It Is Even Better.
Saving Your Money Is Great.
Growing It Is Even Better.
Saving Your Money Is Great. Growing It Is Even Better.
1. Early Pay. Early Pay allows eligible direct deposits 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 Wintrust Financial Corporation (‘WTFC’), external transfers from accounts at other financial institutions, peer-to-peer network payments like Zelle® or Venmo, or debit card transfers & deposits.
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. 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.
4. Specialty Checks. Style & quantity restrictions apply.
5. 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.
6. Interest Rate Bonus. Must have a common account owner on both the Statement Savings Advanced account(s) and the Premier Checking account(s) with the same charter. Both accounts must remain open and maintain a common account owner to receive the interest rate bonus. Rate increase is effective the next business day after the second account is opened.
7. Safe Deposit Boxes. Free 3x10 box or equivalent discount on larger box. Subject to availability. Limited to 1 per account. Safe deposit boxes are not FDIC-insured.
8. Premier Checking Fees. $25 monthly maintenance fee – waived with either i) average daily balance of $10,000, or ii) combined average relationship balance of $75,000 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.
9. Statement Savings Advanced Account. Interest rate may change at any time. Fees may reduce earnings.
10. Statement Savings Advanced Special. Offer subject to change at any time & without notice. Annual Percentage Yield (‘APY’) accurate as of 11/7/2024, with qualifying activities. Minimum daily balance of $0.01 required to obtain APY. Offer available to existing or closed savings account customers of Wintrust Financial Corporation (‘WTFC’) & its subsidiaries or employees. Offer combinable with any WTFC checking offer, but not with a Statement Savings deposit bonus offer.
11. Statement Savings Advanced Special Qualifications. (i) Open new Statement Savings Advanced account; (ii) mention offer during in-branch account opening or visit URL provided; & (iii) deposit new money (money not currently held at any WTFC location) into the new Statement Savings Advanced account at account opening.