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Access Plus Checking

Access Plus Checking

Access Plus Checking

Access Plus Checking

We work hard to design banking solutions that make your money work for you. That’s why we created our Access Plus checking account. We combine the access of a checking account with the added benefit of interest. So, while you earn money, your money can earn interest. Plus, we’ll even give you the first order of checks free, charge no fees for in-network ATMs, and reimburse up to five out-of-network ATM fees each month.


  • Five free nationwide ATM refunds per statement cycle1
  • Only $100 needed to open
  • $1,000 minimum daily balance or $2,500 average balance for the monthly statement cycle to avoid a $10 monthly fee
  • Variable interest rate with interest paid monthly
  • Free first order of specialty checks2
  • Online & Mobile banking3
  • remote deposit3
  • Online Bill Pay3
  • E-statements3
  • Cardless Cash3
  • Debit card4

Note: If this account is opened online, checks are not ordered as part of the opening process. If you'd like to order and write checks with this account, a signature card must be on file. To make arrangements for completing a signature card, please contact us at 844-760-0280 and we'll be happy to assist you.


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1. The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, MoneyPass, or Sum surcharge–free networks. Other banks outside the network may impose ATM surcharges at their machines. Up to five (5) surcharge fees assessed by owners of other ATMs outside the network will be reimbursed per statement cycle. Reimbursement does not include the 1.10% International Service fee charged by the bank for certain foreign transactions conducted outside the continental United States. 2. Restrictions on style and quantity may apply. 3. Third party message, data, and/or internet fees may apply. Use of Online Banking is required for access to Mobile/Remote banking. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings, or Money Market deposit account for personal, family or household purposes with the Bank and has had no more than six overdraft occurrences within the past or current calendar year. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs. 4. Overdraft fees may apply.