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Access all the commercial banking resources your business needs to succeed.
Add Firepower to Your Wallet
Choose your account and score your Fire debit card. Make the switch to a new Total Access Checking, Access Plus Checking, or Premier Checking account today and get a $300 bonus1 when you open with qualifying activities!2 Plus, you’ll get access to exclusive Chicago Fire perks.
Available at Wintrust Community Banks, except for Town Bank.
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.3
- Free ATMs nationwide.4
Requirements
- $100 to open.
- No minimum monthly balance or monthly maintenance fees.
Access Plus Checking
Access better checking account benefits for your financial health.
Product Features
- Variable interest rate with interest paid monthly.
- Waived fees on a 3x5 safe deposit box.5
- Waived fee on 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.
- And more!
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 maintenance fee.7
Premier Checking
BEST-IN-CLASS
Power your checking account’s financial health with the perks you need.
Product Features:
- Rate bonus on all Statement Savings Advanced accounts of 0.15% over the current Statement Savings Advanced interest rate.8
- Waived fees on a 3x10 safe deposit box.9
- Tiered & variable interest rate with interest paid monthly.
- Waived fees on bank specialty check printing for your Premier Checking account.6
- Waived Stop Payment fees.
- Waived fees for incoming wire transfers.
- Up to 5 outgoing domestic wire transfer fees reimbursed at the end of the account statement cycle if minimum balance requirements are met.
- And more!
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.
Product Features:
Rate bonus on all Statement Savings Advanced accounts of 0.15% over the current Statement Savings Advanced interest rate.6
Waived fees on a 3x10 safe deposit box.7
Tiered & variable interest rate with interest paid monthly.
Free bank specialty check printing for your Premier Checking account.4
Waived Stop Payment fees.
Waived fees for incoming wire transfers.
Up to 5 outgoing domestic wire transfer fees reimbursed at the end of the account statement cycle if minimum balance requirements are met.
And more!
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
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 maintenance fee.10
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.3
- Free ATMs nationwide.4
Requirements
- $100 to open.
- No minimum monthly balance or monthly maintenance fees.
Access Plus Checking
Access better checking account benefits for your financial health.
Product Features
- Variable interest rate with interest paid monthly.
- Waived fees on a 3x5 safe deposit box.5
- Waived fee on 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.
- And more!
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.7
Premier Checking
BEST-IN-CLASS
Power your checking account’s financial health with the perks you need.
Product Features:
- Rate bonus on all Statement Savings Advanced accounts of 0.15% over the current Statement Savings Advanced interest rate.8
- Waived fees on a 3x10 safe deposit box.9
- Tiered & variable interest rate with interest paid monthly.
- Waived fees on bank specialty check printing for your Premier Checking account.6
- Waived Stop Payment fees.
- Waived fees for incoming wire transfers.
- Up to 5 outgoing domestic wire transfer fees reimbursed at the end of the account statement cycle if minimum balance requirements are met.
- And more!
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
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.3
- Free ATMs nationwide.4
Requirements
- $100 to open.
- No minimum monthly balance or monthly maintenance fees.
Access Plus Checking
Access better checking account benefits for your financial health.
Product Features
- Variable interest rate with interest paid monthly.
- Waived fees on a 3x5 safe deposit box.5
- Waived fee on 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.
- And more!
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 maintenance fee.5
Access Plus Checking
Access better checking account benefits for your financial health.
Product Features
- Variable interest rate with interest paid monthly.
- Waived fees on a 3x5 safe deposit box.5
- Waived fee on 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.
- And more!
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 maintenance fee.7
Premier Checking
BEST-IN-CLASS
Power your checking account’s financial health with the perks you need.
Product Features:
- Rate bonus on all Statement Savings Advanced accounts of 0.15% over the current Statement Savings Advanced interest rate.8
- Waived fees on a 3x10 safe deposit box.9
- Tiered & variable interest rate with interest paid monthly.
- Waived fees on bank specialty check printing for your Premier Checking account.6
- Waived Stop Payment fees.
- Waived fees for incoming wire transfers.
- Up to 5 outgoing domestic wire transfer fees reimbursed at the end of the account statement cycle if minimum balance requirements are met.
- And more!
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 maintenance fee.8
- wintrust grid
Big Chicago Fire Fan? Score Even Bigger Perks!
Big Chicago Fire Fan? Score Even Bigger Perks!
An exclusive Chicago Fire debit card is just one way you win, no matter the score. Present your Wintrust Community Banks Chicago Fire debit card and receive VIP access to a climate-controlled space at Soldier Field, offering the full amenities of a modern, upscale sports bar.
Wintrust Community Banks customer? Access discounted Fire tickets here!
Must enter the first six digits of your Wintrust Community Banks debit card.
Excludes customers of Town Bank.
Exclusive Ticket Discounts
33% discount on select home matchday tickets
Excludes customers of Town Bank
Team Store Discounts
10% off retail at the Chicago Fire Team Store at Soldier Field
Excludes customers of Town Bank
Midway Club Access
Access to the Midway Club hospitality area
Want In On Early Pay?3
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.
Talk with a banker to learn more.
Want In On
Early Pay?3
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.
Talk with a banker to learn more.
Want In On
Early Pay?1
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.
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.
Mastercard is a registered trademark, & the circles design is a trademark, of Mastercard International Incorporated. Chicago Fire trademarks & copyrights proprietary to Chicago Fire FC. Used with permission.
1. Total Access Checking, Access Plus Checking, or Premier Checking Bonus Information. Offer valid for accounts opened 2/1/24 - 7/31/25. 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. Total Access Checking, Access Plus Checking, or Premier Checking Bonus Qualifications. (i) Open new Total Access Checking, Access Plus Checking, or Premier 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. Your account opening date is the business day that we open your account. If your account is opened on a non-business day (weekends and federal holidays), your account opening date is the next business day. 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.
3. Early Pay. Early Pay allows eligible direct deposits for consumer accounts to be credited to your account up to 2 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 domestic 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. Waived fees on 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. 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.
8. 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.
9. Safe Deposit Boxes. Waived fees on 3x10 box or equivalent discount on larger box. Subject to availability. Limited to 1 per account. Safe deposit boxes are not FDIC-insured.
10. 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.
11. Statement Savings Advanced Special. Offer subject to change at any time & without notice. Annual Percentage Yield (‘APY’) accurate as of 12/19/2024, with qualifying activities. Minimum daily balance of $0.01 required to obtain APY. Offer is available to existing or closed savings account customers of WTFC & its subsidiaries or employees. Offer combinable with any WTFC checking offer, but not with a Statement Savings deposit bonus offer.
12. Statement Savings Advanced Account. Interest rate may change at any time. Fees may reduce earnings.
13. 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.
