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1. Lakeview Grand Opening Bonus Information. Offer valid for eligible accounts opened 7/8/26 – 7/14/27. Offer not available to existing or closed personal checking account customers of Wintrust Financial Corporation & its subsidiaries (‘WTFC’); and WTFC employees. Customers who have (or had) a personal checking account with WTFC that was opened before the new account are not eligible for the offer. In addition, if you are later (prior to us paying the bonus) added as an owner to a personal checking account with WTFC and that account was opened prior to the new account, you will become ineligible for the offer. Limit 1 checking account bonus payment per customer. Offer combinable with any WTFC savings offer. Bonus payment subject to IRS 1099-INT reporting & may be considered income for tax purposes. Only available at Wintrust Lakeview, 620 W. Diversey Pkwy., Chicago, IL 60614.

2. Lakeview Grand Opening Bonus Qualifications. To qualify for a $400 bonus payment, you must (i) Mention offer during in-branch account opening; (ii) have direct deposits totaling at least $500 or more to your new account each month for the 2 consecutive calendar months after the calendar month your new account was opened (‘Qualification Period’); & (iii) enroll in online banking & e-statements within the Qualification Period. 

Or to qualify for a $600 bonus payment, you must (i) Mention offer during in-branch account opening; (ii) have direct deposits totaling at least $2,000 or more to your new account each month for the 2 consecutive calendar months after the calendar month your new account was opened (‘Qualification Period’); & (iii) 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 at the end of the Qualification Period 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. 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.

4. Safe Deposit Boxes. Waived fee on 3x10 box or equivalent discount on larger box. Subject to availability. Limited to 1 per account. Safe deposit boxes are not FDIC-insured.

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

6. Premier Checking Fees. 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.

7. CD Special. Annual Percentage Yield (‘APY’) accurate as of 7/27/26 & assumes funds remain on deposit until maturity. At maturity, CD Specials automatically renew into a CD with a different term at our standard interest rate and APY in effect on the maturity date, as stated in your Truth in Savings disclosure provided at account opening. Renewals are not subject to a promotional special rate, unless the bank has notified you otherwise. Minimum daily balance of $0.01 required to obtain APY. Early withdrawal penalties apply. Offer subject to change at any time & without notice.

8. New Money. Money not currently held at any WTFC location.

9. Entrepreneur Checking Bonus Information. Offer valid for accounts opened 5/13/26 – 11/3/26. Offer not available to existing or closed business checking account customers of WTFC & its subsidiaries; accounts opened as Political Action Committee, fiduciary or campaign accounts; accounts opened at Macatawa Bank; and WTFC employees. Limit 1 business checking account bonus payment per customer, regardless of number of accounts opened. Offer combinable with any WTFC business savings offer. Bonus payment subject to IRS 1099-INT reporting for sole proprietorships & single member LLCs, & may be considered income for tax purposes.

10. Entrepreneur Checking Bonus Qualifications. (i) Mention offer during in-branch account opening; (ii) maintain at least $1,500 on each of the last business days of the 2 consecutive calendar months following the calendar month the account was opened ('Qualification Period'); (iii) complete 5 qualifying transactions within the Qualification Period (“Qualifying Transactions" include ACH debits, ACH credits, wire transfers, and debit card transactions, but do not include 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, transactions processed via real-time payment networks like RTP® or FedNow®, point-of-sale deposits, or debit card transfers & deposits); & (iv) enroll in business online banking & activate 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. New account must be open & have a balance of at least $1,500 at the end of the Qualification Period 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

11. Entrepreneur Checking Account. (i) No monthly maintenance fee or minimum balance requirement if performing fewer than 75 transactions; (ii) $20 monthly maintenance fee if performing 76+ transactions & $1,500 minimum average collected balance not maintained; (iii) $0.40 cost per item for additional transactions over 150.

12. Business Community Checking Bonus Information. Offer valid for accounts opened 5/13/26 – 11/3/26. Offer not available to existing or closed business checking account customers of WTFC & its subsidiaries; accounts opened as Political Action Committee, fiduciary or campaign accounts; accounts opened at Macatawa Bank; and WTFC employees. Limit 1 business checking account bonus payment per customer, regardless of number of accounts opened. Offer combinable with any WTFC business savings offer. Bonus payment subject to IRS 1099-INT reporting for sole proprietorships & single member LLCs, & may be considered income for tax purposes.

13. Business Community Checking Bonus Qualifications. (i) Mention offer during in-branch account opening; (ii) maintain at least $5,000 on each of the last business days of the 2 consecutive calendar months following the calendar month the account was opened ('Qualification Period'); (iii) complete 10 qualifying transactions within the Qualification Period (“Qualifying Transactions" include ACH debits, ACH credits, wire transfers, and debit card transactions, but do not include 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, transactions processed via real-time payment networks like RTP® or FedNow®, point-of-sale deposits, or debit card transfers & deposits); & (iv) enroll in business online banking & activate 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. New account must be open & have a balance of at least $5,000 at the end of the Qualification Period 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

14. Business Community Checking Account. $20 monthly maintenance fee if $2,500 minimum average collected balance not maintained. $0.40 cost per item for additional transactions over 250.