Attention: You are now leaving a Wintrust Community Bank website.

Deposit Account Agreement

Deposit Account Agreement

General Agreement. The terms "you" and "your" refer to the depositor (whether joint or individual) and the terms "we," "us" and "our" refer to the financial institution. The acronym "NOW" means Negotiable Order of Withdrawal. You understand the following Account Agreement ("Agreement") governs your account with us. Your account is also governed by other applicable documents, such as the Truth In Savings Account Disclosure and Privacy Policy, and where applicable, the Funds Availability Policy and Electronic Fund Transfer (Agreement and) Disclosure ("Disclosures"), which are incorporated by reference. By providing a written or electronic signature on the Account Information document or other agreement to open your account, or by using any of our deposit account services, you and any identified account owners agree to the terms contained in this Account Agreement. General Rules. The following rules apply to all types of accounts:

1. Deposits. Deposits may be made in person, by mail, or in another form and manner as agreed by us in our sole discretion. We are not responsible for transactions mailed until we actually receive and record them. We may, at our sole discretion, refuse to accept particular instruments as deposits. Cash deposits are credited to your account according to this Agreement. Other items you deposit are handled by us according to our usual collection practices. If an item you deposit is returned unpaid, we will debit your account and adjust any interest earned. You are liable to us for the amount of any check you deposit to your account that is returned unpaid. In addition, you are liable to us for all costs and expenses related to the collection of any or all of that amount from you. Funds deposited to your account are available in accordance with the Disclosures.

2. Collection of Deposited Items. In receiving items for deposit or collection, we act only as your agent and assume no responsibility beyond the exercise of ordinary care. All items are credited subject to final settlement in cash or credits. We shall have the right to forward items to correspondents including all Federal Reserve Banks, and we shall not be liable for default or neglect of said correspondents for loss in transit, nor shall any correspondent be liable except for its own negligence. You specifically authorize us or our correspondents to utilize Federal Reserve Banks to handle such items in accordance with provisions of Regulation J (12 CFR Part 210), as revised or amended from time to time by the Federal Reserve Board. In the event we are subject to local clearinghouse rules, you specifically authorize us to handle such items in accordance with the rules and regulations of the clearinghouse. If we permit you to withdraw funds from your account before final settlement has been made for any deposited item, and final settlement is not made, we have the right to charge your account or obtain a refund from you. In addition, we may charge back any deposited item at any time before final settlement for whatever reason. We shall not be liable for any damages resulting from the exercise of these rights. Except as may be attributable to our lack of good faith or failure to exercise ordinary care, we will not be liable for dishonor resulting from any reversal of credit, return of deposited items or for any damages resulting from any of those actions.

3. Set-offs and Liens. We may set-off funds in your account and any other accounts held by you, jointly or individually, to pay any debt you may owe us; this includes any item(s) that we have cashed for you that are returned to us unpaid. If the account is a joint account, we may offset funds for the debt of any one of the owners. In addition, you grant to us a security interest in your deposit accounts to secure any debt you may owe us in any non-consumer transaction.

4. Claims. In response to any garnishment, attachment, restraining order, injunction, levy, citation to discover assets, judgment, reclamation, other order of court or other legal process ("Claim(s)"), we have the right to place a hold on, remove from your account(s) and/or remit to the designated third-party(ies) any amount on deposit in your account(s) as set forth in and required by such Claim(s). If the account(s) is/are held jointly, we may place the hold, remove from the account(s) and/or remit the amounts from the account(s) arising from any Claim(s) relating to any one or more of the account holders. In addition, we may charge against your account(s) any fee authorized by law in connection with the Claim(s) or as otherwise set forth in the Disclosures.

5. Expenses. You agree to be liable to us for any loss, costs or expenses that we incur as a result of any dispute involving your account, including reasonable attorneys' fees to the extent permitted by law, and you authorize us to deduct such loss, costs or expenses from your account without prior notice to you.

6. Dormant Accounts. You understand that if your account is dormant, you may be charged the fee specified in the Disclosures and we may stop paying interest to the extent permitted by law. You understand that your account balance may be escheated (that is, turned over to the state) in accordance with state law.

7. Joint, Trust, Fiduciary and Custodial Accounts. You acknowledge that if your account is set up as a joint, trust, fiduciary or custodial account, it is your sole responsibility to determine the legal effects of opening and maintaining an account of this nature.

8. Joint Account. If this is a joint account, all deposits are the property of the person(s) indicated on the account and we may release all or any part of the amount in the account to honor checks, withdrawals, orders or requests from any person named on this account. Any person named on the account is liable for the amount of any overdraft regardless of whether he or she signed the item or benefited from the proceeds of the item. Upon receiving written notice from any person named on the account, we may freeze the account. The account may be frozen until we receive written notice, signed by all parties named in the account, as to the disposition of funds. We may use the funds to satisfy a debt or judgment of any person named on this account if ordered to do so by a court of law.

9. Joint Account With/Without Right of Survivorship. If this is a joint account with right of survivorship, on the death of one of the account holders, that person's interest in the account immediately vests in the surviving joint account holder(s) as their separate property. If this is a joint account without right of survivorship and we receive written notice of the death of a joint account holder, we may freeze the account until we receive satisfactory evidence as to the disposition of the account.

10. In Trust For or Payable on Death Account. If this account is noted as an In Trust For or Payable on Death account, the trustee(s) may change the named beneficiary(ies) at any time by a written direction to us. The trustee(s) reserves the right to withdraw all or part of the deposit at any time. Such payment or withdrawal shall constitute a revocation of the trust agreement as to the amount withdrawn. The beneficiary(ies) acquires the right to withdraw only if: (i) all of the trustees die, and (ii) the beneficiary is then living. The beneficiary(ies) is only entitled to the amount that is in the trust after all of the trustee's(s') outstanding checks and debits have been paid. If all of the beneficiaries predecease the trustee(s), the named beneficiary's(ies') death shall terminate the trust and title to the money that is credited to the trust shall vest in the trustee(s). If two or more beneficiaries are named and survive the death of all of the trustees, such beneficiaries will own this account in equal shares without right of survivorship.

11. Custodial Account. A custodial account is subject to applicable law as adopted by the state in which the account is opened. The documents that authorize the custodianship may be required for the account. An account opened under the Uniform Transfers/Gifts to Minors Act must be opened in the name of a custodian "as custodian for (name of minor) under the Uniform Transfer to Minors Act". There may be only one custodian and one minor as beneficiary for each minor account.

12. Power of Attorney. If you wish to name another person to act as your attorney in fact or agent in connection with your account, we must approve the form of appointment.

13. Fees, Service Charges and Balance Requirements. You agree you are responsible for any fees, charges, balance, or deposit requirements as stated in the Disclosures.

14. Insufficient Funds Overdrafts and Returned Items. If your account does not have sufficient funds to pay an item, we may (i) return the item and charge you a returned item fee as outlined in the Special Service Fees Schedule provided to you at account opening; or (ii) pay such item which will create a negative balance in your account and charge you an overdraft paid fee as outlined in the Special Service Fees Schedule provided to you at account opening. This negative balance created by the payment of an item when you do not have sufficient funds is called an “Overdraft”. Items are any debits or withdrawals presented to us for processing. Items generally include checks (including electronic and substitute), Electronic Fund Transfers (ATM withdrawals, Account to Account and Point of Sales Transactions, debit card transactions, ACH transactions), transfers made in person, over the phone or by online banking to include mobile banking, Bill Pay, Zelle Transactions and fees.

Impact of Holds. We will use your account’s available balance to determine if your account has sufficient funds. We will look at this balance only once per business day to determine if an item will cause an overdraft. Your available balance will be calculated as the previous day’s balance plus any deposits or credits, minus any withdrawals or debits, minus any holds. A hold is a specific dollar amount that is restricted. A hold can be placed for reasons such as deposit related holds (including holds on non-cash deposits made in accordance with our Funds Availability Policy Disclosure or for cashing a check against your account when the check is drawn on an account at another financial institution), to secure a debt, debit card authorizations, disputes, levies, citations, judgments, garnishments, court orders or other legal process. A hold will reduce your accounts available balance and you will not have access to these funds to cover checks and other items until the hold is released. Overdrafts may occur while a hold is in place because your available balance may not be sufficient to cover all transactions being presented.

When a debit card transaction has been authorized, we will place a hold on your account for the amount of the transaction which will reduce your account’s available balance. The hold that is placed is a general hold and will not be used specifically for the debit card transaction that has been authorized. There could be days in between when the merchant or vendor authorizes the payment and when the transaction is settled. Though we have placed a hold for the transaction, your available balance may change between the time the transaction is authorized and the time the transaction is paid. For some merchants (i.e. hotels, restaurants, gas stations, car rental agencies) an estimate of the total anticipated purchase amount will be made for the purpose of determining an authorization amount. As a result, the amount of the hold placed against your account may be less than or greater than the final transaction amount presented. Your balance will be reduced by the hold amount from the time we receive the notice that you have approved the transaction by using your debit card or your debit card number until the item is presented for processing. The authorization hold will remain in place until the transaction is settled or a maximum of three (3) business days. After the three (3) business days, the authorization hold will be released and funds held will be added back to your available balance. If and when the transaction is presented for payment, your account may be overdrawn if you do not have a sufficient available balance. If you have sufficient available funds when your transaction is authorized, you will not be charged an overdraft paid fee for the debit card transaction that created an overdraft, however any subsequent checks, ACH transactions or other debits may be subject to overdraft paid fees or the items may be returned and subject to returned item fees. An example of how a debit card transaction can impact overdrafts:

Today your checking account has a $100 available balance and you make a $75 debit card purchase. Your available balance will immediately reflect the hold of $75, leaving an available balance of $25. If another debit transaction is processed for an amount greater than the available balance of $25, this subsequent transaction may result in an overdraft and a possible overdraft paid fee or we may return the subsequent transaction which will result in a returned item fee.

Posting Order:

We determine the order in which we process items in your account. This may have an effect on your account’s balance and can impact overdrafts and ultimately the amount of overdraft paid fees. We may pay or authorize some items, and decline and/or return others in any order we determine.  At the end of each Business Day, which is considered every day except Saturdays, Sundays and federal holidays, regardless of when we have received a transaction for processing, we determine your balance by posting deposits or credits and withdrawals or debits presented during the day in the following order:

  • First: Credits – items such as deposits, credit transfers, incoming wires and ACH credits
  • Second: Debits – will be processed based on category in the following order:
    • ATM and Debit card transactions - including Account to Account and Point of Sale transactions will be posted by dollar amount in an order of low to high.
    • Preauthorized ACH return items, deposited items returns, wire transfer debits, checks presented for payment a Wintrust affiliated branch, and any other transfer debit transactions will be posted by dollar amount in an order of low to high.
    • Inclearing checks, ACH debits, Bill Pay, and Zelle transactions will be posted by dollar amount in an order of low to high.
    • Fees and other miscellaneous debit transactions will be posted by dollar amount in an order of low to high.

Changing Posting Orders

You agree we may determine at our discretion the order in which items are posted to your account, the posting categories, and the transactions and order within the posting categories and you agree that we may make changes to this at any time without notice to you. We may choose our posting order regardless of whether additional fees result.

Transactions Made After Business Day Cut-Off

We may reflect certain transactions you have made after our Business Day cut-off time, but before the end of the calendar day. These transactions will show on your statement as posting to your account the Business Day after the transaction was made. Transactions that may be reflected in your account’s available balance if made after the Business Day cut-off time, but before the end of the calendar day are noted below. Because these transactions affect your account’s available balance, overdrafts, returned items or the associated fees may occur.

Transactions included are:

  • Cash deposited at one of our ATMs or branches.
  • Transfers to or from your accounts with us where the transfer is made at one of our ATMs or branches, through online banking, mobile banking, Telebank or over the phone.
  • Cash withdrawals made at one of our ATMs or branches.

Avoiding Overdrafts

You can avoid fees for overdrafts or returned items by making sure that your account always has a sufficient available balance to cover all items. We offer financial services training which can assist you in better understanding how to manage your account with a goal of enabling you to not incur overdrafts and the associated fees applied when an overdraft is paid or returned.

We offer consumer and many business customers the following overdraft protection options. These overdraft protection options may help in avoiding or reducing the number of overdrafts or returned items associated with your account and ultimately reduce the amount of fees charged in connection with these transactions. Please talk to a banker for more details or to apply for any one of these overdraft protection options.

Please know we may permit overdraft transactions to occur for online banking transactions such as bill payments or funds transfers, Zelle transactions, telephone initiated funds transfers, in person or ATM transfers. We will not charge you for overdrafts related to Zelle transactions.  In addition, we will not charge you for overdrafts associated with ATM withdrawals or one-time, non-reoccurring debit card transactions unless you have authorized the payment of these transactions. 

To help avoid overdrafts and monitor your available balance, you can receive a text message which will notify you when your available balance is at risk of becoming too low to cover items. You need to enroll in online banking to activate this account benefit and are encouraged to do so at account opening. You will be responsible for establishing the account balance level at which you want to be notified by text message and must be certain to ensure we have your current mobile phone number at all times. Your wireless carrier’s standard text messaging and data rates may apply.

Consumer and Business Overdraft Protection from another Deposit Account – Linked Account

This option links your primary account to a secondary deposit account you have opened with us for overdraft protection. The secondary deposit account can be another checking, savings, or money market account.

If you do not have a sufficient available balance in your primary account to cover an item, we may automatically transfer funds from your secondary deposit account to your primary account. The transfer may help prevent items from being returned along with the imposition of returned item or overdraft paid fees. Transfers will only occur once per Business Day. In the event that your secondary account does not have a sufficient available balance to cover an entire overdraft, we may transfer all available funds to your primary account.

If you use your savings or money market account for this service, each transfer counts as one of the six limited transactions you are allowed each month from your savings or money market account. In the event any account is closed, the automatic transfers will be terminated.

Consumer and Business Overdraft Protection Line of Credit

This option links an unsecured line of credit directly to your checking account for overdraft protection. You must apply for the Overdraft Protection Line of Credit which will be reviewed following our standard underwriting guidelines. You will be notified of any approved or declined Overdraft Protection Line of Credit applications.

In the event your account does not have a sufficient available balance to cover an item, we may automatically advance funds from your linked Overdraft Protection Line of Credit and transfer the funds to your account. This advance is made subject to the terms and conditions described in the Line of Credit Agreement.

Under the Line of Credit Agreement we make transfers in a minimum amount. If the available balance on the line of credit is less than the total overdraft amount, we will transfer the total available amount which may still result in an overdraft and an overdraft paid fee being charged. To have an Overdraft Protection Line of Credit, at least one of the Account Owners must be a borrower under the Overdraft Protection Line of Credit Agreement. Certain restrictions may apply.

Transfers will only occur once per Business Day. Monthly payments of principal and interest will be made to your Overdraft Protection Line of Credit automatically by debiting your account. If your checking account is closed for any reason, the amount outstanding on your Overdraft Protection Line of Credit must be paid immediately and the line of credit will be closed.

Consumer Standard Overdraft Practice

Our Consumer Standard Overdraft Practice is a standard feature of eligible accounts and you are informed of this feature at the time of account opening. There are accounts which are not eligible for our Consumer Standard Overdraft Practice, which include but are not limited to Money Smart Checking and Savings Accounts, Student Checking Accounts, Health Savings Accounts, accounts falling under Regulation O, and Junior Savers Accounts. With our Consumer Standard Overdraft Practice, we may authorize and pay overdrafts for most types of transactions. 

We will pay overdrafts using our discretion. We do not guarantee that overdrafts will be paid. We may pay all or some of your overdrafts using criteria such as how long your account has been opened, if you have additional accounts with us, the status of these accounts, the frequency of deposits, and the frequency and duration of overdrafts, however, we do not guaranty that we will continue to authorize and pay future overdrafts. If we do not pay your overdraft, the Item(s) will be either declined if using an ATM or debit card or the item(s) will be returned unpaid.  

As part of our Consumer Standard Overdraft Practice, we will not authorize overdrafts for ATM transactions or everyday non-recurring debit card transactions, usually purchases made with your debit card or debit card number on a one-time basis, when the merchant has submitted an authorization to us, unless you authorize us to pay such overdrafts by signing the Overdraft Services Consent Form provided to you at account opening. Some merchants do not obtain an authorization for debit card transactions. Therefore, an everyday non-recurring debit card transaction may create an overdraft even if you have not authorized us to pay these types of transactions. 

Overdraft Services Consent Form - If you, the Account Owner, desire to authorize the payment of overdrafts created by ATM or non-recurring debit card transactions you would apply for this optional service by completing, signing and submitting the Overdraft Services Consent Form to us. By signing this form, you would authorize us to pay transactions related to ATM transactions and everyday non-recurring debit card transactions that would create an overdraft.

Business Standard Overdraft Practice

Our Business Standard Overdraft Practice is a standard feature of eligible checking accounts and you are informed of this feature at account opening. With our Business Standard Overdraft Practice we may authorize and pay overdrafts for most types of transactions using our discretion.

As part of the Business Standard Overdraft Practice we may authorize overdrafts for ATM transactions or everyday debit card transactions.

We will pay overdrafts using our discretion. We do not guarantee that overdrafts will be paid. We may pay all or some of your overdrafts using criteria such as how long your account has been opened, if you have additional accounts with us, the status of these accounts, the frequency of deposits, and the frequency and duration of overdrafts, however, we do not guaranty that we will continue to authorize and pay future overdrafts. If we do not pay your overdraft, the item(s) will be either declined if using an ATM or debit card or the item(s) will be returned unpaid.

Consumer and Business Accounts - Declining Standard Overdraft Practice

You always have the option to decline our Standard Overdraft Practice at any time. Should you decide that you would like to decline this service; a Banker will provide you with the Overdraft Standard Practice Customer Opt-Out Form which would need to be signed and returned to us.    

If you decline our Standard Overdraft Practice, we will automatically return all items if you have an insufficient available balance. If you choose to have all items returned, you may still be charged a returned item fee as described in the Special Service Fees Schedule which was provided to you at account opening. There are certain transactions that may create an overdraft even if you decline our Standard Overdraft Practice. These transactions include:

  1. Everyday non-recurring debit card transactions where the merchant has not obtained an authorization on a positive available balance;
  2. Debit card transactions were the transaction was authorized on a positive Available Balance;
  3. Final amount of a debit card transaction where the final amount processed was greater than the authorization amount;  
  4. Recurring debit card transactions where the first transaction was authorized but subsequent transactions are not submitted for authorization. Recurring debit card transactions are set up to occur automatically on a regular basis which frequently include monthly bill payments or when completed using an application on a mobile device.  

Please know that with any of the options described above, you may still incur overdrafts and fees for overdrafts paid.

Consumer and Business Accounts - Responsibility to Repay Overdrafts

You must immediately pay the amount of any overdraft along with any fees or costs associated with the overdraft. If you share ownership of your account, each person is responsible for the repayment of the overdraft regardless if they were the one to create the overdraft. If you do not do so, you may be charged additional fees or interest. For consumer accounts, we may also report you to the consumer reporting agencies, close your account or take both actions. Such actions could affect your ability to open accounts with us or other banks in the future.

You authorize us to use the money from any subsequent deposits to your Account to pay any overdraft and resulting fees. Subsequent deposits may include any federal or state benefit payments including Social Security benefits that you deposit in any account. You understand and agree that if you do not want your benefits applied in this way, you many change your direct deposit instructions at any time.

You agree to pay all costs and expenses we incur in collecting any overdraft even if an overdraft has been charged off.

15. Amendments and Alterations. You agree that the terms and conditions governing your account may be amended by us from time to time. We will notify you of amendments as required by applicable law. Your continued use of the account evidences your agreement to any amendments. Notices will be sent to the most recent address shown on the account records. Only one notice will be given in the case of joint account holders.

16. Notices. You are responsible for notifying us of any address or name changes, the death of an account holder or other information affecting your account. Notices must be in a form and manner acceptable to us with enough information to allow us to identify the account. Notice sent by you to us is not effective until we have received it and have a reasonable opportunity to act on it. Written notice sent by us to you is effective when mailed to the last address supplied.

17. Closing Account. We may close the account at any time, with or without cause, by sending you notice and a check for the balance in our possession to which you are entitled. At our discretion, we have the authority to pay an otherwise properly payable check, which is presented after
the closing of your account.

18. Transfers and Assignments. You cannot assign or transfer any interest in your account unless we agree in writing.

19. Applicable Laws and Regulations. You understand that this Agreement is governed by the laws of the state in which the account is opened unless federal law controls. Changes in these laws may change the terms and conditions of your account. We will notify you of any changes as required by law.

20. ACH and Wire Transfers. This Agreement is subject to Article 4A of the Uniform Commercial Code - Funds Transfers as adopted by the state in which the account is opened. If you send or receive a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is the law that covers transactions made over Fedwire® Funds Service. When you originate a funds transfer for which Fedwire® Funds Service is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. If you are a party to an Automated Clearing House ("ACH") entry, you agree that we may transmit an entry through the ACH, and you agree to be bound by the National Automated Clearing House Association ("NACHA") Operating Rules and Guidelines, the rules of any local ACH, and the rules of any other systems through which the entry is made.

Provisional Payment. Credit we give you is provisional until we receive final settlement for that entry. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry.
Notice of Receipt. We will not provide you with notice of our receipt of the order, unless we are so requested by the transfer originator in the order. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you.
Choice of Law. We may accept on your behalf payments to your account which have been transmitted, that are not subject to the Electronic Fund Transfer Act, and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state where we are located.
International ACH Transactions. If your transaction originates from a financial agency that is outside of the territorial jurisdiction of the United States, it may be subject to additional review for compliance with the rules of the Office of Foreign Assets Control (OFAC). If additional review is required, the International ACH transaction will not be available to you until it passes final verification.

21. Stop Payments. For accounts with check writing privileges, you may order us to stop payment of a check provided it has not already been accepted, guaranteed, cashed or otherwise paid by us. You may notify us by via telephone or in writing. The notification must include the account number, check number and date, the name of the payee and the exact amount (dollars and cents) of the check. The request must be received at least one (1) business day prior to the bank receiving the check for payment. For Electronic Funds Transfers, if you have told us in advance to make regular payments out of your account, you can stop these payments. If a stop payment request involves an ACH debit, an Unauthorized or Revoked ACH Debit Affidavit may be required. Call us or write us, in time for us to receive your request three (3) Business Days or more before the transfer is scheduled to be made. Our normal stop payment fee and procedure will apply for this service. If you order us to stop one of these payments three (3) Business Days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Stop payment notification may be made by any account holder, regardless of who signed the check. We are not responsible for stop payment orders if we receive incorrect information. The stop order goes into effect whenever our staff records it on the account. We will confirm your stop payment order in writing, and you should advise us immediately of any changes or corrections. Your account will be charged our customary fee for a stop payment (refer to the separate fee section of the disclosures). Stop payment orders are valid for twelve (12) months unless cancelled by you. After that time, the check may be paid and charged to your account unless you renew the stop payment in writing (for an additional fee).

22. Checks. All negotiable paper ("checks") presented for deposit must be in a format that can be processed and we may refuse to accept any check that does not meet this requirement. All endorsements on the reverse side of any check deposited into your account, or on any check issued by you, must be placed on the left side of the check when looking at it from the front, and must be placed so as to not go beyond an area located 1-1/2 inches from the left edge of the check when looking at it from the front. It is your responsibility to ensure that this requirement is met. You are responsible for any loss incurred by us for failure of an endorsement to meet this requirement.

23. Electronic Checks. Pursuant to Regulation CC, electronic checks may be treated the same as paper checks for check collection and processing purposes. 

24. Substitute Checks. To make check processing faster, federal law permits financial institutions to replace original checks with "substitute checks." These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. You can use it the same way you would use the original check." You may use a substitute check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be substitute check(s).

25. Stale or Postdated Checks. We reserve the right to pay or dishonor a check more than 6 months old without prior notice to you. If you can write checks on your account, you agree not to postdate any check drawn on the account. If you do and the check is presented for payment before the date of the check, we may pay it or return it unpaid. We are not liable for paying any stale or postdated check. Any damages you incur that we may be liable for are limited to actual damages not to exceed the amount of the check.

26. Check Safekeeping. If you can write checks on your account and utilize check safekeeping or any other system offered by us for the retention of your checks, you understand that the canceled checks will be retained by us and destroyed after a reasonable time period or as required by law. If for any reason we cannot provide you with a copy of a check, our liability will be limited to the lesser of the face amount of the check or the actual damages sustained by you. When you request a copy of a check it may be subject to a fee as defined in the Disclosures.

27. Statements. If your account is a Checking, NOW, Money Market, or Statement Savings account, we will provide you with a periodic statement showing the account activity. The account holder who receives this statement is the agent for his/her co-account holder(s) for purposes of receiving the statement and items. You must notify us within 30 days after we mail or otherwise make the statement available to you of any discrepancies, except for transfers governed by the Wire Transfer Agreement. If you fail to notify us, you will have no claim against us. However, if the discrepancy is the result of an electronic fund transfer, the provisions of our Disclosures will control its resolution. If you do not receive a statement from us because you have failed to claim it, or have supplied us with an incorrect address, we may stop sending your statements until you specifically make written request that we resume sending your statements and you supply us with a proper address.

28. Electronic Signatures. You consent and agree that your use of a keypad, mouse or other device to select an item, button or icon or similar act/action while using any electronic service we offer; or in accessing or making transactions regarding any agreement, acknowledgement, consent, terms, disclosures or conditions constitutes your signature, acceptance and agreement as if actually signed by you in writing. Further, you agree that no certification authority or other third party verification is necessary to validate your electronic signature; and that the lack of such certification or third party verification will not in any way affect the enforceability of your signature or resulting contract between you and Wintrust Bank. You understand and agree that your e-Signature executed in conjunction with the electronic submission of your application shall be legally binding and such transaction shall be considered authorized by you.

29. Signatures. If you choose to come into one of our Wintrust Bank locations and sign an Account Information form, your signature on the Account Information form is your authorized signature. At that time, if applicable, your account will be eligible for access via checks, drafts or orders of withdrawal for the payment of money. You authorize us, at any time, to charge you for all checks, drafts, or other orders for the payment of money, that are drawn on us regardless of by whom or by what means (including facsimile signature(s)) may have been affixed so long as they resemble the signature specimen in our files. For withdrawal and for other purposes relating to any account you have with us, we are authorized to recognize your signature; and we will not be liable to you for refusing to honor signed instruments or instructions if we believe in good faith that one or more of the signatures appearing on the instrument or instruction is not genuine.

If your items are signed using any facsimile signature or non-manual form of signature, you acknowledge that it is solely for your benefit and convenience. You agree that no facsimile signature you have authorized us to honor may be considered a forgery or an unauthorized signature, and that every authorized facsimile signature shall be effective as the signatory's own original, manual signature. You accept sole responsibility for maintaining security over any device affixing the signature as such signature will be effective regardless of whether the person affixing it was authorized to do so. Your authorization notwithstanding, we are not obligated to accept or pay any items bearing facsimile signatures.

Further, most checks and other items are processed automatically, i.e., without individual review of each check or item. Therefore, unless we agree in a separate writing, in our sole discretion, upon your request and due to unique circumstances to conduct individual review of checks or other items for more than one signer, you agree that we are acting within common and reasonable banking practices by automatically processing checks and other items, i.e., without individual review of each check or item. You agree to indemnify, defend, and hold us harmless from and against all loss, costs, damage, liability, and other injury (including reasonable attorney fees) that you or we may suffer or incur as a result of this practice.

30. Restrictive Legends. We are not required to honor any restrictive legend on checks you write unless we have agreed to the restriction in a writing signed by an officer of the financial institution. Examples of restrictive legends are "two signatures required", "must be presented within 90 days" or "not valid for more than $1,000.00."

31. No Waiver. You understand and agree that no delay or failure on our part to exercise any right, remedy, power or privilege available to us under this Agreement shall affect or preclude our future exercise of that right, remedy, power or privilege.

CHECKING AND NOW ACCOUNTS

In addition to the General Rules, your Checking Account and Negotiable Order of Withdrawal (NOW) Account will be subject to the following rules:

1. Checking Accounts. If your account is a checking account, it will be either non-interest bearing or interest bearing as defined in the Truth in Savings Disclosure.
2. Withdrawals.
Deposits will be available for withdrawal consistent with the terms of our Disclosures. Withdrawals may be subject to a service charge.
3. Withdrawal Notice Requirements.
If your account is a NOW account or a non-demand deposit checking account, we have the right to require seven (7) days prior written notice from you of your intent to withdraw any funds from your account.

MONEY MARKET ACCOUNTS

In addition to the General Rules, your Money Market Account will be subject to the following rules:

1. Withdrawals. We have the right to require seven (7) days prior written notice from you of your intent to withdraw any funds from your account. Withdrawals may be subject to a service charge.
2. Access Limitations.
You understand that we will not allow more preauthorized transfers than the maximum number specified in the Disclosures. The Disclosures will also specify the maximum number of checks that may be written on your account per month. A preauthorized transfer is a transfer of funds from this account to make payments to a third party by means of a preauthorized or telephone agreement, order or instruction. Federal regulations require compliance with these restrictions. We may be required to close your account, take away any ability to transfer and write checks or convert the account to a checking or other transaction account if these restrictions are violated.

SAVINGS ACCOUNTS

In addition to the General Rules, your Savings Account will be subject to the following rules:

1. Withdrawals. We have the right to require seven (7) days prior written notice from you of your intent to withdraw any funds from your account. Withdrawals may be subject to a service charge.
2. Passbooks.
If your account is a passbook account and you wish to make a withdrawal without your passbook, we can refuse to allow the withdrawal. If your passbook is lost or stolen, you will immediately notify us in writing.
3. Access Limitations.
You understand that we will not allow more preauthorized transfers than the maximum number specified in the Disclosures. A preauthorized transfer is a transfer of funds from this account to make payments to a third party by means of a preauthorized or telephone agreement, order or instruction. Federal regulations require compliance with these restrictions. We may be required to close your account, take away your ability to transfer funds or convert the account to a checking or other transaction account if these restrictions are violated.

CERTIFICATES OF DEPOSIT/TIME DEPOSIT ACCOUNTS

In addition to the General Rules, your Certificate of Deposit ("Certificate") may be subject to the following:

1. Account Terms. The Certificate bears interest at the rate and basis as set forth on the Certificate. The terms of the Certificate, such as the interest rate(s), Annual Percentage Yield ("APY"), length of term period, renewability, and date of maturity are specified on the Certificate and in the Disclosures provided to you at the time of account opening. Interest will not be compounded unless noted and will be paid to you at the frequency and in the method noted. Withdrawal of interest prior to maturity will affect the APY.

2. Withdrawal Prior To Maturity. You have contracted to keep the account funds on deposit from the issue date until the maturity date. We may accept a request by you for withdrawal of some or all of the account funds prior to the maturity date at our discretion or as otherwise described in the Disclosures.

3. Additional Deposits During The Term. No additional deposits will be allowed to this account during its term unless otherwise described in the Disclosures.

4. Early Withdrawal Penalty. Unless provided otherwise in the Disclosures, we will assess an early withdrawal penalty on any withdrawal, either partial or in whole, that we allow you to make from your account prior to the account's maturity date. The method for determining that penalty is described in the Disclosures.

5. Renewal. Automatic Renewal Certificates will renew automatically on the stated maturity date of its term. Such renewal will be for a time period equal or similar to the original term and subject to these terms and conditions. Interest for that renewal term will be paid at the interest rate then in effect at this financial institution for similar accounts. If you close the Certificate within the grace period following the maturity date, we will not charge an early withdrawal penalty for that withdrawal. The grace period following a maturity date is described in the Disclosures.

If you are obligated to certify beneficial owner information at the time the account is opened, you are responsible for notifying us of any changes to the certified beneficial ownership information that was provided to us. Notice should be made as soon as practical upon a change to the beneficial ownership information in a form and manner acceptable to us.

6. Single Maturity. Single Maturity Certificates will not automatically renew at maturity. The Disclosures describe our policy concerning the account's status following the maturity date. To ensure a continuation of interest earning, you must arrange for a new investment of the account balance.

TRUTH IN SAVINGS DISCLOSURES

Total Access Checking

MINIMUM BALANCE REQUIREMENTS. Initial deposit of $100.00 is required to open the account.

MINIMUM BALANCE TO AVOID THE IMPOSITION OF FEES. No minimum daily balance is required after opening. There are no monthly maintenance fees.

DORMANT/INACTIVE ACCOUNT INFORMATION. An account is considered dormant after 12 months of no customer contact. A dormant fee will be charged monthly once an account is dormant. Refer to the separate fee schedule for details.

PROCESSING ORDER. All credit transactions such as deposits or credit transfers that you make are processed first. All debits are processed next within each category as follows:

1. ATM and Debit card transactions including A2A (Account to Account) and POS transactions will be posted by dollar amount in an order of low to high.
2. Preauthorized ACH return items, deposited item returns, wire transfer debits, checks presented for payment at a branch, and other transfer debit transactions will be posted by dollar amount in an order of low to high.
3. Inclearing checks, ACH debit transactions, Bill Pay and Zelle transactions will be posted by dollar amount in an order of low to high.
4. Fees and other miscellaneous debit transactions will be posted by dollar amount in an order of low to high.

The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees.

TRANSACTION LIMITATIONS. No transaction limitations apply to this account.

ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT.

ATM Transactions - 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. Surcharge fees assessed by owners of other domestic ATMs outside the network will be reimbursed. Reimbursement does not include the 1.10% International Service fee charged by the bank for certain foreign transactions conducted outside the continental United States.

The following account benefits are available to you at no additional cost from the bank; however they may be subject to overdraft fees or other fees, including fees from a third party, such as message, data, and/or internet service provider fees:

Debit Card
Online Banking
Online Bill Pay
E-Statements
Mobile Banking
Remote Deposit

FEES AND CHARGES. Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

Total Access Checking Account Bonus Offer Addendum (Effective as of July 27, 2018)

To
Truth in Savings Disclosure
Promotional Period: Continues until December 31, 2018

Bonus/Account Information
This bonus offer is valid for new Total Access Checking accounts opened during the promotional period of April 1, 2018 to December 31, 2018 when the Bonus Qualifications are met.

Accounts are governed by the Deposit Account Agreement and the Truth in Savings Disclosure provided to you at account opening.  This Bonus Offer Addendum shall be considered a part of your Truth in Savings Disclosure.

Bonus Qualifications
If all bonus qualifications listed below are met, you will receive a $100.00 bonus which will be credited to your Total Access Checking account within thirty (30) calendar days following the end of the Qualification Period. The Qualification Period is two (2) consecutive calendar months following the calendar month the account is opened.  In order to receive the bonus payment, the account must be open and have a balance1 greater than zero when the bonus payment is made. To qualify for the bonus, you must:

  1. Open a new Total Access Checking account during the promotional period which continues until December 31, 2018.
  2. Tell us you are aware of the promotion at the time you open the account.
  3. Deposit $100.00 or more in new money within ten (10) business days2 of account opening.  New Money is money not held in an account at the Bank at the time of account opening.
  4. Have your qualifying direct deposit3 made to this account within the Qualification Period.
  5. Enroll in online banking and activate e-statements through the Bank website within the Qualification Period.

Bonus Restrictions
The promotion is not available to existing checking customers of the Bank. Active employees of Wintrust Financial Corporation and its subsidiaries are not eligible for this promotion. Limit one (1) checking bonus payment per customer, regardless of the number of accounts opened.

IRS Reporting
The $100.00 bonus is subject to IRS 1099-INT reporting and may be considered income for tax purposes for the tax year which the bonus was paid.

Disclosures
In connection with your account, we may give you certain disclosure statements, Bonus Offer Addendums and promotional materials, and may revise them from time to time. If any change would adversely affect you, we will notify you in advance as required by applicable law. By continuing to use your account after we send you notice of any change, you agree to the change.

1 “Balance” is determined as of the end of each Business Day as the funds currently in your account including deposits and withdrawals made in the Business Day.  
Business Day” means every day except Saturdays, Sundays and federal holidays. Some Bank branches may close on a business day due to an emergency or to observe a state holiday.
3 “Direct Deposit” means any payment made by a government agency, employer, or other third party organization which is made via an electronic deposit.  Direct deposits do not include teller/ATM/mobile or remote deposits, wire transfers, Online Banking/telephone transfers between accounts at the bank, external transfers from other accounts at other financial institutions, and/or ATM/debit card transfers and deposits.

Cubs Checking

MINIMUM BALANCE REQUIREMENTS. Initial deposit of $100.00 is required to open the account.

MINIMUM BALANCE TO AVOID THE IMPOSITION OF FEES. No minimum daily balance is required after opening. There are no monthly maintenance fees.

DORMANT/INACTIVE ACCOUNT INFORMATION. An account is considered dormant after 12 months of no customer contact. A dormant fee will be charged monthly once an account is dormant. Refer to the separate fee schedule for details.

PROCESSING ORDER. All credit transactions such as deposits or credit transfers that you make are processed first. All debits are processed next within each category as follows:

1. ATM and Debit card transactions including A2A (Account to Account) and POS transactions will be posted by dollar amount in an order of low to high.
2. Preauthorized ACH return items, deposited item returns, wire transfer debits, checks presented for payment at a branch, and other transfer debit transactions will be posted by dollar amount in an order of low to high.
3. Inclearing checks, ACH debit transactions, Bill Pay and Zelle transactions will be posted by dollar amount in an order of low to high.
4. Fees and other miscellaneous debit transactions will be posted by dollar amount in an order of low to high.

The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees.

TRANSACTION LIMITATIONS. No transaction limitations apply to this account.

ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT.

ATM Transactions - 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. Surcharge fees assessed by owners of other domestic ATMs outside the network will be reimbursed. Reimbursement does not include the 1.10% International Service fee charged by the bank for certain foreign transactions conducted outside the continental United States.

The following account benefits are available to you at no additional cost from the bank; however they may be subject to overdraft fees or other fees, including fees from a third party, such as message, data, and/or internet service provider fees:

Debit Card
Online Banking
Online Bill Pay
E-Statements
Mobile Banking
Remote Deposit

FEES AND CHARGES. Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

Cubs Checking Account Bonus Offer Addendum (Effective as of July 31, 2018)

To
Truth in Savings Disclosure
Promotional Period: Continues until December 31, 2018

Bonus/Account Information
This bonus offer is valid for new Cubs Checking accounts opened during the promotional period of April 1, 2018 to December 31, 2018 when the Bonus Qualifications are met.

Accounts are governed by the Deposit Account Agreement and the Truth in Savings Disclosure provided to you at account opening.  This Bonus Offer Addendum shall be considered a part of your Truth in Savings Disclosure.

Bonus Qualifications
If all bonus qualifications listed below are met, you will receive a $100.00 bonus which will be credited to your Cubs Checking account within thirty (30) calendar days following the end of the Qualification Period.  The Qualification Period is two (2) consecutive calendar months following the calendar month the account is opened.  In order to receive the bonus payment, the account must be open and have a balance1 greater than zero when the bonus payment is made. To qualify for the bonus, you must:

  1. Open a new Cubs Checking account during the promotional period which continues until December 31, 2018.
  2. Tell us you are aware of the promotion at the time you open the account.
  3. Deposit $100.00 or more in new money within ten (10) business days2 of account opening.  New Money is money not held in an account at the Bank at the time of account opening.
  4. Have your qualifying direct deposit3 made to this account within the Qualification Period.
  5. Enroll in online banking and activate e-statements through the Bank website within the Qualification Period.

Bonus Restrictions
The promotion is not available to existing checking customers of the Bank. Active employees of Wintrust Financial Corporation and its subsidiaries are not eligible for this promotion. Limit one (1) checking bonus payment per customer, regardless of the number of accounts opened.

IRS Reporting
The $100.00 bonus is subject to IRS 1099-INT reporting and may be considered income for tax purposes for the tax year which the bonus was paid.

Disclosures
In connection with your account, we may give you certain disclosure statements, Bonus Offer Addendums and promotional materials, and may revise them from time to time. If any change would adversely affect you, we will notify you in advance as required by applicable law. By continuing to use your account after we send you notice of any change, you agree to the change.

Balance” is determined as of the end of each Business Day as the funds currently in your account including deposits and withdrawals made in the Business Day.  
2 “Business Day” means every day except Saturdays, Sundays and federal holidays. Some Bank branches may close on a business day due to an emergency or to observe a state holiday.
3 “Direct Deposit” means any payment made by a government agency, employer, or other third party organization which is made via an electronic deposit. Direct deposits do not include teller/ATM/mobile or remote deposits, wire transfers, Online Banking/telephone transfers between accounts at the bank, external transfers from other accounts at other financial institutions, and/or ATM/debit card transfers and deposits.

White Sox Checking

MINIMUM BALANCE REQUIREMENTS. Initial deposit of $100.00 is required to open the account.

MINIMUM BALANCE TO AVOID THE IMPOSITION OF FEES. No minimum daily balance is required after opening. There are no monthly maintenance fees.

DORMANT/INACTIVE ACCOUNT INFORMATION. An account is considered dormant after 12 months of no customer contact. A dormant fee will be charged monthly once an account is dormant. Refer to the separate fee schedule for details.

PROCESSING ORDER. All credit transactions such as deposits or credit transfers that you make are processed first. All debits are processed next within each category as follows:

1. ATM and Debit card transactions including A2A (Account to Account) and POS transactions will be posted by dollar amount in an order of low to high.
2. Preauthorized ACH return items, deposited item returns, wire transfer debits, checks presented for payment at a branch, and other transfer debit transactions will be posted by dollar amount in an order of low to high.
3. Inclearing checks, ACH debit transactions, Bill Pay and Zelle transactions will be posted by dollar amount in an order of low to high.
4. Fees and other miscellaneous debit transactions will be posted by dollar amount in an order of low to high.

The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees.

TRANSACTION LIMITATIONS. No transaction limitations apply to this account.

ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT.

ATM Transactions - 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. Surcharge fees assessed by owners of other domestic ATMs outside the network will be reimbursed. Reimbursement does not include the 1.10% International Service fee charged by the bank for certain foreign transactions conducted outside the continental United States.

The following account benefits are available to you at no additional cost from the bank; however they may be subject to overdraft fees or other fees, including fees from a third party, such as message, data, and/or internet service provider fees:

Debit Card
Online Banking
Online Bill Pay
E-Statements
Mobile Banking
Remote Deposit

FEES AND CHARGES. Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

White Sox Checking Account Bonus Offer Addendum (Effective as of July 31, 2018)

To
Truth in Savings Disclosure
Promotional Period: Continues until December 31, 2018

Bonus/Account Information
This bonus offer is valid for new White Sox Checking accounts opened during the promotional period of April 1, 2018 to December 31, 2018 when the Bonus Qualifications are met.

Accounts are governed by the Deposit Account Agreement and the Truth in Savings Disclosure provided to you at account opening.  This Bonus Offer Addendum shall be considered a part of your Truth in Savings Disclosure.

Bonus Qualifications
If all bonus qualifications listed below are met, you will receive a $100.00 bonus which will be credited to your White Sox Checking account within thirty (30) calendar days following the end of the Qualification Period.  The Qualification Period is two (2) consecutive calendar months following the calendar month the account is opened.  In order to receive the bonus payment, the account must be open and have a balance1 greater than zero when the bonus payment is made. To qualify for the bonus, you must:

  1. Open a new White Sox Checking account during the promotional period which continues until December 31, 2018.
  2. Tell us you are aware of the promotion at the time you open the account.
  3. Deposit $100.00 or more in new money within ten (10) business days2 of account opening.  New Money is money not held in an account at the Bank at the time of account opening.
  4. Have your qualifying direct deposit3 made to this account within the Qualification Period.
  5. Enroll in online banking and activate e-statements through the Bank website within the Qualification Period.

Bonus Restrictions
The promotion is not available to existing checking customers of the Bank. Active employees of Wintrust Financial Corporation and its subsidiaries are not eligible for this promotion. Limit one (1) checking bonus payment per customer, regardless of the number of accounts opened.

IRS Reporting
The $100.00 bonus is subject to IRS 1099-INT reporting and may be considered income for tax purposes for the tax year which the bonus was paid.

Disclosures
In connection with your account, we may give you certain disclosure statements, Bonus Offer Addendums and promotional materials, and may revise them from time to time. If any change would adversely affect you, we will notify you in advance as required by applicable law. By continuing to use your account after we send you notice of any change, you agree to the change.

Balance” is determined as of the end of each Business Day as the funds currently in your account including deposits and withdrawals made in the Business Day.  
2 “Business Day” means every day except Saturdays, Sundays and federal holidays. Some Bank branches may close on a business day due to an emergency or to observe a state holiday.
3 “Direct Deposit” means any payment made by a government agency, employer, or other third party organization which is made via an electronic deposit. Direct deposits do not include teller/ATM/mobile or remote deposits, wire transfers, Online Banking/telephone transfers between accounts at the bank, external transfers from other accounts at other financial institutions, and/or ATM/debit card transfers and deposits.

DePaul Checking

MINIMUM BALANCE REQUIREMENTS. There is no minimum deposit to open the account.

MINIMUM BALANCE TO AVOID THE IMPOSITION OF FEES. No minimum daily balance is required after opening. There are no monthly maintenance fees.

DORMANT/INACTIVE ACCOUNT INFORMATION. An account is considered dormant after 12 months of no customer contact. A dormant fee will be charged monthly once an account is dormant. Refer to the separate fee schedule for details.

PROCESSING ORDER. All credit transactions such as deposits or credit transfers that you make are processed first. All debits are processed next within each category as follows:

1. ATM and Debit card transactions including A2A (Account to Account) and POS transactions will be posted by dollar amount in an order of low to high.
2. Preauthorized ACH return items, deposited item returns, wire transfer debits, checks presented for payment at a branch, and other transfer debit transactions will be posted by dollar amount in an order of low to high.
3. Inclearing checks, ACH debit transactions, Bill Pay and Zelle transactions will be posted by dollar amount in an order of low to high.
4. Fees and other miscellaneous debit transactions will be posted by dollar amount in an order of low to high.

The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees.

TRANSACTION LIMITATIONS. No transaction limitations apply to this account.

ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT.

ATM Transactions - 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. Surcharge fees assessed by owners of other domestic ATMs outside the network will be reimbursed. Reimbursement does not include the 1.10% International Service fee charged by the bank for certain foreign transactions conducted outside the continental United States.

The following account benefits are available to you at no additional cost from the bank; however they may be subject to overdraft fees or other fees, including fees from a third party, such as message, data, and/or internet service provider fees:

Debit Card
Online Banking
Online Bill Pay
E-Statements
Mobile Banking
Remote Deposit

FEES AND CHARGES. Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

DePaul Checking Account Bonus Offer Addendum (Effective as of July 27, 2018)

To
Truth in Savings Disclosure
Promotional Period: Continues until December 31, 2018

Bonus/Account Information
This bonus offer is valid for new DePaul Checking accounts opened during the promotional period of April 1, 2018 to December 31, 2018 when the bonus qualifications are met.

Accounts are governed by the Deposit Account Agreement and the Truth in Savings Disclosure provided to you at account opening.  This Bonus Offer Addendum shall be considered a part of your Truth in Savings Disclosure.

Bonus Qualifications
If all bonus qualifications listed below are met, you will receive a $50.00 deposit to your DePaul Checking account no later than thirty (30) calendar days following the end of the qualification period.  The qualification period is the two (2) consecutive calendar months following the calendar month the account is opened. In order to qualify to receive the bonus payment, the account must be open and have a balance1 of greater than zero when the bonus payment is made.  To qualify for the bonus, you must:

  1. Open a new DePaul Checking account during the promotional period which continues until December 31, 2018.  No minimum deposit required to open your account.
  2. Enroll in online banking and activate e-statements via the Bank website within the qualification period.

Bonus Restrictions
The $50.00 deposit bonus applies only to new DePaul Checking customers. Active employees of Wintrust Financial Corporation and its subsidiaries are not eligible for this promotion.  Limit one (1) checking account bonus payment per customer, regardless of the number of accounts opened. This bonus may not be combined with any other DePaul checking bonus offers.

IRS Reporting
The $50.00 bonus is subject to IRS 1099-INT reporting and may be considered income for tax purposes for the tax year in which the bonus was paid.

Disclosures
In connection with your account, we may give you certain disclosure statements, Bonus Offer Addendums and promotional materials, and may revise them from time to time. If any change would adversely affect you, we will notify you in advance as required by applicable law. By continuing to use your account after we send you notice of any change, you agree to the change.

1 “Balance” is determined as of the end of each Business Day as the funds currently in your account including deposits and withdrawals made in the Business Day. “Business Day” means every day except Saturdays, Sundays and federal holidays. Some Bank branches may close on a business day due to an emergency or to observe a state holiday.

Student Checking

ELIGIBILITY REQUIREMENTS. Account is available to students 13 to 25 years of age.

MINIMUM BALANCE REQUIREMENTS. No minimum balance requirements apply to this account.

DORMANT/INACTIVE ACCOUNT INFORMATION. An account is considered dormant after 12 months of no customer contact. A dormant fee will be charged monthly once an account is dormant. Refer to the separate fee schedule for details.

PROCESSING ORDER. All credit transactions such as deposits or credit transfers that you make are processed first. All debits are processed next within each category as follows:

1. ATM and Debit card transactions including A2A (Account to Account) and POS transactions will be posted by dollar amount in an order of low to high.
2. Preauthorized ACH return items, deposited item returns, wire transfer debits, checks presented for payment at a branch, and other transfer debit transactions will be posted by dollar amount in an order of low to high.
3. Inclearing checks, ACH debit transactions, Bill Pay and Zelle transactions will be posted by dollar amount in an order of low to high.
4. Fees and other miscellaneous debit transactions will be posted by dollar amount in an order of low to high.

The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees.

TRANSACTION LIMITATIONS. No transaction limitations apply to this account.

ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT.

ATM Transactions - 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. The bank will reimburse up to five (5) domestic surcharge fees assessed by owners of other ATMs outside the network 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.

The following account benefits are available to you at no additional cost from the bank; however they may be subject to overdraft fees or other fees, including fees from a third party, such as message, data, and/or internet service provider fees:

Debit Card
Account is available to be linked to parent/guardian's account for overdraft transfers up to $250.00 per day
Online Banking
Online Bill Pay
E-Statements
Mobile Banking
Remote Deposit

FEES AND CHARGES. Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

Access Plus Checking

RATE INFORMATION. Please refer to Deposit Rate Sheet for current interest rate and annual percentage yield (APY) for this account. Your interest rate and annual percentage yield may change.

Determination of Rate. At our discretion, we may change the interest rate on your account.

Frequency of Rate Changes. We may change the interest rate on your account at any time.

Limitations on Rate Changes. There are no maximum or minimum interest rate limits for this account.

COMPOUNDING AND CREDITING. Interest will be compounded monthly and will be credited to your account monthly. If you close your account before interest is credited, you will not receive the accrued interest.

MINIMUM BALANCE REQUIREMENTS. A maintenance fee of $10.00 will be imposed every statement cycle if the daily balance on any day of the statement cycle falls below $1,000.00.
If you maintain an average balance of $2,500.00 for the monthly statement cycle the minimum balance maintenance fee will be waived. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
You must deposit $100.00 to open this account.
You must maintain a minimum daily balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.

DORMANT/INACTIVE ACCOUNT INFORMATION. An account is considered dormant after 12 months with no customer contact. A dormant fee will be charged monthly once an account is dormant. Refer to the separate fee schedule for details.

PROCESSING ORDER. All credit transactions such as deposits or credit transfers that you make are processed first. All debits are processed next within each category as follows:

1. ATM and Debit card transactions including A2A (Account to Account) and POS transactions will be posted by dollar amount in an order of low to high.
2. Preauthorized ACH return items, deposited item returns, wire transfer debits, checks presented for payment at a branch, and other transfer debit transactions will be posted by dollar amount in an order of low to high.
3. Inclearing checks, ACH debit transactions, Bill Pay and Zelle transactions will be posted by dollar amount in an order of low to high.
4. Fees and other miscellaneous debit transactions will be posted by dollar amount in an order of low to high.

The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees.

BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.
The daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment when we determine the daily balance on which interest is paid.

ACCRUAL ON NONCASH DEPOSITS. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

TRANSACTION LIMITATIONS. No transaction limitations apply to this account.

NEGOTIABLE ORDER OF WITHDRAWAL ACCOUNT WITH SUBACCOUNTS. This provision only applies to Checking and Negotiable Order of Withdrawal ('NOW') accounts. Your account consists of two subaccounts; a checking subaccount and a savings subaccount. The checking subaccount is your transaction account. If the amount of money in your checking subaccount exceeds a certain threshold amount, we will transfer the amount above the threshold amount into your savings subaccount. We will make the transfer at the beginning of each monthly statement period. We determine the threshold amount in our sole discretion. If on any day the daily beginning balance in your checking subaccount is less than the total of the new debits (such as checks and other withdrawals), then money will be automatically transferred from your savings subaccount back to your checking subaccount. The amount transferred back to the checking subaccount will be the total of the debits minus the daily beginning balance, but will not exceed the amount of money in the savings subaccount. If six transfers from the savings subaccount to the checking subaccount occur during any statement period, then the entire balance of the savings subaccount will be transferred to your checking subaccount for the remainder of that statement period. The transfers between the subaccounts will occur only on our books. Other than as described above, the Agreement controls your account as if there were no subaccounts.

ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT.

ATM Transactions - The bank does not charge its customers a monthly card usage fee. No transaction charge at an ATM in the Allpoint, MoneyPass or Sum surcharge - free networks. Other banks outside the network may impose ATM surcharges at their machines. The bank will reimburse up to five (5) surcharge fees assessed by owners of other domestic ATMs outside the network 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.

Additional Account Features and Benefits-
Free First order of bank specialty checks

The following account benefits are available to you at no additional cost from the bank; however they may be subject to overdraft fees or other fees, including fees from a third party, such as message, data, and/or internet service provider fees:
Debit Card
Online Banking
Online Bill Pay
E-Statements
Mobile Banking
Remote Deposit

FEES AND CHARGES. Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

Statement Savings

RATE INFORMATION. Please refer to Deposit Rate Sheet for current interest rate and annual percentage yield (APY) for this account. Your interest rate and annual percentage yield may change.

Determination of Rate. At our discretion, we may change the interest rate on your account.

Frequency of Rate Changes. We may change the interest rate on your account at any time.

Limitations on Rate Changes. There are no maximum or minimum interest rate limits for this account.

COMPOUNDING AND CREDITING. Interest will compounded quarterly and will be credited to your account quarterly. If you close your account before interest is credited, you will not receive the accrued interest.

MINIMUM BALANCE REQUIREMENTS. A maintenance fee of $10.00 will be imposed every quarter if the daily balance on any day of the quarter falls below $200.00.
There is no minimum deposit required to open the account.
You must maintain a minimum daily balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.

DORMANT/INACTIVE ACCOUNT INFORMATION. An account is considered dormant after 36 months of no customer contact. A dormant fee will be charged quarterly once an account is dormant. Refer to the separate fee schedule for details.

PROCESSING ORDER. All credit transactions such as deposits or credit transfers that you make are processed first. All debits are processed next within each category as follows:

1. ATM and Debit card transactions including POS transactions will be posted by dollar amount in an order of low to high.
2. Preauthorized ACH return items, deposited item returns, wire transfer debits, and other transfer debit transactions will be posted by dollar amount in an order of low to high.
3. ACH debit transactions will be posted by dollar amount in an order of low to high.
4. Fees and other miscellaneous debit transaction will be posted in an order of low to high.

The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees.

BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.
The daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment when we determine the daily balance on which interest is paid.
ACCRUAL ON NONCASH DEPOSITS. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

TRANSACTION LIMITATIONS. Transfers from a statement savings account to an account of the same depositor at this bank or to third parties by preauthorized, automatic, telephone, computer transfer, electronic transfer, or by ATM/debit card are limited to six (6) per calendar month with no transfers by draft or similar orders to third parties in accordance with Federal Regulation D. An excessive transaction fee will be charged for each transaction in excess of eighteen (18) per calendar quarter. Refer to the separate fee schedule for details.

ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT. The following account benefits are available to you at no additional cost from the bank; however they may be subject to overdraft fees or other fees, including fees from a third party, such as message, data, and/or internet service provider fees:
Debit Card (savings account would be a secondary account linked to a card)
Online Banking
E-Statements
Mobile Banking
Remote Deposit

FEES AND CHARGES. Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

Statement Savings Account Bonus Offer Addendum (Effective as of July 11, 2018)

To
Truth in Savings Disclosure
Promotional Period: Continues until December 31, 2018
 

Bonus/Account Information
This bonus offer is valid for new Statement Savings accounts opened during the promotional period of April 1, 2018 to December 31, 2018 when the Bonus Qualifications are met.

Accounts are governed by the Deposit Account Agreement and the Truth in Savings Disclosure provided to you at account opening.  This Bonus Offer Addendum shall be considered a part of your Truth in Savings Disclosure.

Bonus Qualifications
If all bonus qualifications listed below are met, you will receive a $50.00 credit to your statement savings account within thirty (30) calendar days following the end of the Qualification Period.  The Qualification Period is the three (3) consecutive calendar months following the calendar month the account is opened.  The account must be open and have a balance of greater than zero when the bonus payment is made to receive the bonus payment.  To qualify for the bonus, you must:

  1. Open a new Statement Savings account during the promotional period which continues until December 31, 2018.
  2. Tell us you are aware of the promotion at the time you open the account.
  3. Deposit $1,000.00 or more in new money within ten (10) business days1 of account opening.  New Money is money not held in an account at the Bank at the time of account opening.
  4. Maintain a minimum balance2 of at least $1,000.00 on each of the last business days of the three (3) consecutive calendar months following the calendar month the account was opened.  We will use your balance in the account as of the last business day of each of the three (3) calendar months to determine if the minimum balance requirement was met.

Bonus Restrictions
The promotion is not available to current savings account customers of the Bank.  Active employees of Wintrust Financial Corporation and its subsidiaries are not eligible for this promotion.  Limit one (1) savings bonus payment per customer, regardless of the number of accounts opened.

IRS Reporting
The $50.00 bonus is subject to IRS 1099-INT reporting and may be considered income for tax purposes for the tax year in which the bonus was paid.

1 “Business Day” means every day except Saturdays, Sundays and federal holidays. Some Bank branches may close on a business day due to an emergency or to observe a state holiday
2 “Balance” is determined as of the end of each Business Day as the funds currently in your account including deposits and withdrawals made in the Business Day.

Money Market

RATE INFORMATION. Please refer to Deposit Rate Sheet for current interest rates and annual percentage yields (APYs) for this variable tiered account. The interest rate listed in each tier will be paid on the entire balance in your account.
Your interest rate and annual percentage yield may change.

Determination of Rate. At our discretion, we may change the interest rate on your account.

Frequency of Rate Changes. We may change the interest rate on your account at any time.

Limitations on Rate Changes. There are no maximum or minimum interest rate limits for this account.

COMPOUNDING AND CREDITING. Interest will be compounded monthly and will be credited to your account monthly. If you close your account before interest is credited, you will not receive the accrued interest.

MINIMUM BALANCE REQUIREMENTS. A maintenance fee of $15.00 will be imposed every statement cycle if the daily balance on any day of the statement cycle falls below $2,500.00.
If you maintain an average daily balance of $5,000.00 for the monthly statement cycle the minimum balance maintenance fee will be waived.
The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
You must deposit $100.00 to open this account.
You must maintain a minimum daily balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.

DORMANT/INACTIVE ACCOUNT INFORMATION. An account is considered dormant after 36 months of no customer contact. A dormant fee will be charged monthly once an account is dormant. Refer to the separate fee schedule for details.

PROCESSING ORDER. All credit transactions such as deposits or credit transfers that you make are processed first. All debits are processed next within each category as follows:

1. ATM and Debit card transactions including POS transactions will be posted by dollar amount in an order of low to high.
2. Preauthorized ACH return items, deposited item returns, wire transfer debits, checks presented for payment at a branch, and other transfer debit transactions will be posted by dollar amount in an order of low to high.
3. Inclearing checks and ACH debit transactions will be posted by dollar amount in an order of low to high.
4. Fees and other miscellaneous debit transaction will be posted in an order of low to high.

The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees.

BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.
The daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment when we determine the daily balance on which interest is paid.

ACCRUAL ON NONCASH DEPOSITS. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

TRANSACTION LIMITATIONS. Transfers from a money market account to an account of the same depositor at this bank or to third parties by preauthorized, automatic, telephone, or computer transfer or by check draft, or similar order to third parties are limited to six(6) per monthly statement cycle in accordance with Federal Regulation D. An excessive transaction fee will be charged for each transaction in excess of the above mentioned limitations. Refer to the separate fee schedule for details.

ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT. The following account benefits are available to you at no additional cost from the bank; however they may be subject to overdraft fees or other fees, including fees from a third party, such as message, data, and/or internet service provider fees:
Debit Card (Money Market would be a secondary account linked to a card)
E-Statements
Mobile Banking
Remote Deposit

FEES AND CHARGES. Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

Certificate of Deposit

RATE INFORMATION. Please refer to Deposit Rate Sheet for current interest rates and annual percentage yields (APYs) for this account.

You will be paid this interest rate until maturity.

COMPOUNDING AND CREDITING. Interest will be compounded monthly and will be credited to your account monthly.

The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. If interest is credited to another account or paid to you by check, this may reduce earnings and may negate the effect of interest compounding.

MINIMUM BALANCE REQUIREMENTS. You must deposit $1,000.00 to open a Certificate of Deposit. You must maintain a minimum daily balance  of $0.01 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.

BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

ACCRUAL ON NONCASH DEPOSITS. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

 

TRANSACTION LIMITATIONS. You may not make deposits into your account until the maturity date. You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account.

MATURITY DATE. Account maturity date will be provided when account has been funded.

EARLY WITHDRAWAL PROVISIONS. (a penalty may be imposed for withdrawals before maturity) –

  • If your account has an original maturity of 12 months or less:
    The fee we may impose will equal three month's interest on the amount withdrawn subject to penalty.
  • If your account has an original maturity of more than 12 months:
    The fee we may impose will equal twelve month's interest on the amount withdrawn subject to penalty.

In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.

RENEWAL POLICIES. Your account will automatically renew at maturity. You will have a grace period of 10 calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

You may prevent renewal if you withdraw the funds in the account at maturity or we receive written notice from you within the grace period.

We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. Each renewal maturity date will be communicated on the maturity notice. The interest rate will be the interest rate we offer on new time deposit accounts of similar terms and amounts on the maturity date.

FUNDS AVAILABILITY POLICY DISCLOSURE

Your Ability to Withdraw Funds

PURPOSE OF THIS DISCLOSURE. The information here describes our policy of holding deposited items in an account before funds are made available to you for withdrawal. This is our Funds Availability Policy. In summary, our policy is to make your funds available on the first Business Day after the day of deposit. Please refer to the section DETERMINING THE AVAILABILITY OF YOUR DEPOSIT for the complete policy.
For purposes of this disclosure, the terms "you"/"your" refer to the customer and the terms "our"/"we"/"us" refer to Wintrust Bank. The term "account" includes any demand deposit, negotiable order of withdrawal account, savings deposit, money market account or other non-time deposit account.

DEPOSITS AT OTHER LOCATIONS. This availability policy only applies to funds deposited at one of our Wintrust Bank locations as well as at
our affiliate Wintrust Community Bank branches. Affiliate bank branches may have different cut off times that may apply for deposits made. The earliest cut-off time that might apply is 3:00pm. Please inquire for information about the availability of funds deposited at other locations.

DETERMINING THE AVAILABILITY OF YOUR DEPOSIT. The length of the delay varies depending on the type of deposit and is explained below. When we delay your ability to withdraw funds from a deposit, you may not withdraw the funds in cash, and we will not pay checks you have written on your account by using these funds. Even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. When we delay your ability to withdraw funds, the length of the delay is counted in Business Days from the day of your deposit. The term "Business Day" means any day other than a Saturday, Sunday or federally declared legal holiday, and the tern "Banking" Day" means that part of any Business Day on which we are open to the public for carrying on substantially all of our banking functions.

If you make a deposit before the close of business on a Business Day that we are open, we will consider that day to be the day of your deposit.

However, if you make a deposit after the close of business or on a day that we are not open, we will consider the deposit made on the next Business Day we are open.

AVAILABILITY SCHEDULE

Same Day Availability. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. In addition, funds from deposits of:

  • electronic direct deposits
  • cash*
  • wire transfers

will also be available on the day of deposit.

Next Day Availability. Funds from the following checks will be made on the first Business Day after the day of deposit. 

  • U.S. Treasury checks**
  • U.S. Postal Service money orders**
  • Federal Reserve Bank or Federal Home Loan Bank checks**
  • State or Local Government checks**
  • Cashier's, Certified, or Teller's checks**
  • checks drawn on us will be available on the first business Day after the day of deposit.

Other Check Deposits.  Funds from all other check deposits will be available on the first Business Day after the day of your deposit.

*Cash Deposits.  If the cash deposits are made in person to an employee of Wintrust Bank, then the funds will be made available on the day we receive your deposit.  If they are not made in person to an employee, then the funds will be made available no later than the next Business Day after the day of your deposit.

**Check Deposits.  Check deposits include U.S. Treasury checks; U.S. Postal Service money orders; Federal Reserve Bank or Federal Home Loan Bank checks; State or Local Government checks; and Cashier’s, Certified, or Teller’s checks. In order for these check deposits to be made available according to the funds availability schedule above, the following conditions are required:

U.S.Treasury Checks. These checks must be made payable to you and deposited into your account.

U.S. Postal Service Money Orders; Federal Reserve Bank or Federal Home Loan Bank Checks; State or Local Government Checks; or Cashier’s, Certified, or Teller’s Checks. These checks must be payable to you, made in person to one of our employees, and deposited into your account. 

If any of these conditions are not satisfied, then the funds from these checks will be made available no later than the second Business Day after the day of your deposit.

LONGER DELAYS MAY APPLY.  Funds you deposit by check may be delayed for a longer period under the following circumstances:

a)    if we believe a check you deposit will not be paid;
b)    if you deposit checks totaling more than $5,000 on any one day;
c)    if you redeposit a check that has been returned unpaid;
d)    if you have overdrawn your account repeatedly in the last six months; or
e)    if an emergency condition arises that would not enable us to make funds available to you, such as the failure of computer or communications equipment.

We will notify you if we delay your availability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the sixth Business Day after the day of your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

HOLDS ON OTHER FUNDS FOR CHECK CASHING. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

HOLDS ON OTHER FUNDS IN ANOTHER ACCOUNT. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

SPECIAL RULES FOR NEW ACCOUNTS. If you are a new customer, the following special rules may apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, travelers, and federal, state and local government checks will be available on the first Business Day after the day of deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the sixth Business Day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the first Business Day after the day of deposit.
Other Check Deposits. Funds from all other check deposits will be available on the sixth Business Day after the day of deposit.

FOREIGN CHECKS. Checks drawn on financial institutions outside of the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds from deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which they are drawn.

DEPOSITS AT AUTOMATED TELLER MACHINES. If you make a deposit at an automated teller machine (ATM) that is owned and operated by us before 6:00 pm CST on a Business Day that we are open, we will consider the deposit made that day. However, if you make a deposit at an ATM that is owned and operated by us after 6:00 pm CST or on a day that we are not open, we will consider the deposit made on the next Business Day we are open.

Funds from any deposits (cash or checks) made at ATMs that we do not own or operate will not be available until the fifth Business Day after the day of your deposit. This rule does not apply at ATMs that we own or operate.
All ATMs that we own or operate are identified as our machines.

ADDITIONAL ATM INFORMATION. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we own or operate will be available on the first business day after the day of deposit.

A listing of all the Wintrust Community Bank-branded ATMs can be found on our website at www.wintrustbank.com.

SUBSTITUTE CHECK POLICY DISCLOSURE

IMPORTANT INFORMATION ABOUT YOUR ACCOUNT

Substitute Checks and Your Rights

WHAT IS A SUBSTITUTE CHECK? To make check processing faster, federal law permits banks to replace original checks with "substitute checks." These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. You can use it the same way you would use the original check." You may use a substitute check as proof of payment just like the original check.
Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions.

WHAT ARE MY RIGHTS REGARDING SUBSTITUTE CHECKS? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).
The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.
If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.

HOW DO I MAKE A CLAIM FOR A REFUND? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us by:

Phone at: 847-853-1145 or
Mail at:

Wintrust Bank
P.O. Box 926
Wilmette, Illinois 60091

You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.
Your claim must include:

  • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);
  • An estimate of the amount of your loss;
  • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and
  • A copy of the substitute check and/or the following information to help us identify the substitute check such as the check number, the name of the person to whom you wrote the check, the amount of the check.

ELECTRONIC FUND TRANSFER DISCLOSURE

For purposes of this disclosure the terms "we", "us" and "our" refer to Wintrust Bank. The terms "you" and "your" refer to the recipient of this disclosure.

The Electronic Fund Transfer Act and Regulation E require institutions to provide certain information to customers regarding electronic fund transfers (EFTs). This disclosure applies to any EFT service you receive from us related to an account established primarily for personal, family or household purposes. Examples of EFT services include direct deposits to your account, automatic regular payments made from your account to a third party and one-time electronic payments from your account using information from your check to pay for purchases or to pay bills. This disclosure also applies to the use of your ATM card (hereinafter referred to collectively as "ATM Card") or MasterCard Debit Card and Student Checking Debit Card (for minors ages 13 through 17) (hereinafter referred to collectively as "Debit Card") at automated teller machines (ATMs) and any networks described below.

This disclosure contains important information about your use of EFT services provided by Wintrust Bank in relation to accounts established primarily for personal, family or household purposes. Please read this document carefully and retain it for future reference.

DEFINITION OF BUSINESS DAY. Business days are Monday through Friday excluding holidays.

ELECTRONIC FUND TRANSFER SERVICES PROVIDED

ATM CARD SERVICES. The services available through use of your ATM card are described below.
ATM CARD SERVICES.

  • You may withdraw cash from your checking account(s), savings account(s), money market account(s), and NOW account(s).
  • You may make deposits into your checking account(s), savings account(s), money market account(s), and NOW account(s).
  • You may transfer funds between your checking and savings accounts, checking and money market accounts, checking and NOW accounts, savings and money market accounts, savings and NOW accounts, and NOW accounts and money market accounts.
  • You may make balance inquiries on your checking account(s), savings account(s), money market account(s), and NOW account(s).

DEBIT CARD SERVICES. The services available through use of your debit card are described below.
MASTERCARD DEBIT CARD SERVICES.

  • You may withdraw cash from your checking account(s), savings account(s), money market account(s), NOW account(s)
  • You may make deposits into your checking account(s), savings account(s), money market account(s), NOW account(s)
  • You may make balance inquiries on your checking account(s), savings account(s), money market account(s), NOW account(s)
  • You may use your card at any merchant that accepts MasterCard® debit cards for the purchase of goods and services.

STUDENT CHECKING DEBIT CARD (FOR MINORS AGES 13 THROUGH 17) SERVICES.

  • You may withdraw cash from your Student Checking.
  • You may make deposits into your Student Checking.
  • You may make balance inquiries on your Student Checking.
  • You may use your card at any merchant that accepts MasterCard® debit cards for the purchase of goods and services.

Your cards may also be used to obtain cash from your designated account at participating financial institutions when so authorized under the terms of your Account Agreement.

ATM SERVICES
NETWORK. Your ability to perform the transactions or access the accounts set forth above depends on the location and type of ATM you are using and the network through which the transaction is being performed. A specific ATM or network may not perform or permit all of the above transactions.

You may access your ATM Card or Debit Card through the following network(s): MasterCard, NYCE, Allpoint, MoneyPass, & Sum.

ATM FEES. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used, and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.

POINT OF SALE TRANSACTIONS. Listed below are the cards you may use to purchase goods and services from merchants that have arranged to accept your cards as a means of payment (these merchants are referred to as "Participating Merchants"). Some Participating Merchants may permit you to receive cash back as part of your purchase. Purchases made with your cards, including any purchase where you receive cash, are referred to as "Point of Sale" transactions and will cause your "designated account" to be debited for the amount of the purchase. We have the right to return any check or other item drawn against your account to ensure there are funds available to pay for any Point of Sale transaction. We may, but do not have to, allow transactions which exceed your available account balance or, if applicable, your available overdraft protection. If we do, you agree to pay the overdraft.
The following cards and the corresponding designated account(s) may be used for Point of Sale transactions:

  • MasterCard Debit Card: Checking or NOW account.
  • Student Checking Debit Card (for minors ages 13 through 17): Student Checking.

Your ATM and Debit cards may also be used to obtain cash from your designated account(s) at participating financial institutions when so authorized under the terms of your Account Agreement.

MasterCard SecureCode is a global solution that enables you to authenticate yourself while purchasing goods over the internet with participating merchants. It's a private code that brings you added protection against unauthorized use of your card when you shop online. Once you've registered and created a SecureCode, each time you make an online purchase, a window will be displayed asking for your SecureCode, like using a PIN at the ATM. When you correctly enter your SecureCode, you confirm that you are the authorized cardholder and your purchase is completed. If the correct code is not supplied, we are not able to confirm your identity and the purchase will not be completed. We participate in the MasterCard SecureCode program and are proud to offer you this service.

CURRENCY CONVERSION - MasterCard®. If you perform transactions with your card with the MasterCard® logo in a currency other than US dollars, MasterCard International Inc. will convert the charge into a US dollar amount. At MasterCard International they use a currency conversion procedure, which is disclosed to institutions that issue MasterCard®. Currently the currency conversion rate used by MasterCard International to determine the transaction amount in US dollars for such transactions is generally either a government mandated rate or wholesale rate, determined by MasterCard International for the processing cycle in which the transaction is processed, increased by an adjustment factor established from time to time by MasterCard International. The currency conversion rate used by MasterCard International on the processing date may differ from the rate that would have been used on the purchase date or the cardholder statement posting date.
IMPORTANT ADDITIONAL FEE NOTICE: MasterCard® charges us a Currency Conversion Fee of 0.20% of the transaction amount for performing currency conversions and a Cross-Border Fee of 0.90% of the transaction on all cross-border transactions (even those with no currency conversion). Therefore, you will be charged 1.10% of the dollar amount on all cross-border transactions - i.e., transactions processed through the "Global Clearing Management System" or the "MasterCard Debit Switch" when the country of the merchant or machine is different than your country, as cardholder.

SERVICES PROVIDED THROUGH USE OF TELEBANK. You may perform the following functions through use of TeleBank:

  • You may initiate transfers of funds between your checking and savings accounts, checking and money market accounts, checking and NOW accounts, savings and money market accounts, savings and NOW accounts, and NOW accounts and money market accounts.
  • You may make balance inquiries on your checking account(s), savings account(s), money market account(s), and NOW account(s).

In addition, you may perform other transactions such as:

  • You may inquire on the last 10 debits and last 10 credits made on checking, NOW, savings and money market accounts.
  • You may inquire on certificate of deposit accounts for current balance, interest rate, term, maturity date, last interest amount/postdate, interest paid YTD, and interest paid last year.
  • You may inquire on your mortgage loan for current balance, next payment due date, payoff information, interest information, escrow information, and original loan information.
  • You may inquire on your installment loan for current balance, next payment due date, payoff information, interest information, and original loan information.
  • You may inquire on your line of credit for current balance, payment information, payoff information, interest information, and information on the last 3 advances.
  • You may inquire on your commercial loan for current balance, next payment due date, and interest information.
  • You may activate your ATM or Debit Card, report a card lost or stolen, change your personal identification number (PIN), or request assistance with MasterCard Secure Code.

Our TeleBank phone number is 866-721-2455.

PREAUTHORIZED TRANSFER SERVICES

  • You may arrange for the preauthorized automatic deposit of funds to your checking account(s), savings account(s), money market account(s), and NOW account(s).
  • You may arrange for the preauthorized automatic payment of bills from your checking account(s), savings account(s), money market account(s), and NOW account(s).

SERVICES PROVIDED THROUGH USE OF .COMmunity Banking AND .COMmunity Mobile. Wintrust Bank offers its customers use of our .COMmunity Banking AND .COMmunity Mobile service.    
.COMmunity Banking and .COMmunity Mobile banking services are governed by a separate agreement. You will receive the agreement for service at the time you enroll.  You can enroll for these services at our website www.wintrustbank.com.

You can use these services with linked accounts to:

  • transfer funds between your checking and savings accounts, checking and money market accounts, checking and NOW accounts, savings and money market accounts, savings and NOW accounts, and NOW accounts and money market accounts
  • make payments from checking, savings, money market or NOW accounts to loan account(s) with us
  • make payments from checking or NOW account to third parties using the bill payment service
  • get information about:
    • the account balance of checking, savings, money market or NOW account(s)
    • deposits to checking, savings, money market or NOW accounts
    • withdrawals from checking, savings, money market or NOW accounts
  • View front & back images of canceled checks

.COMmunity Banking on your computer will also enable you to:

  • Place a stop payment on a single check or a range of checks
  • Initiate external funds transfers from your checking, NOW, savings or money market to accounts you may have at another bank
  • Set up repetitive transfers
  • Set up user defined alerts for your accounts
  • Set up electronic statement presentment
  • View & print front and back of images of canceled checks
  • Request a Deluxe check reorder
  • Download cleared transactions directly into Intuit Quicken via Web Connect for Quicken

.COMmunity Mobile on your enrolled phone or tablet will also enable you to:

  • Set up a one time person to person money transfer via Zelle®

Please refer to the Online Banking & Bill Payment Agreement and Disclosure for additional information regarding Online Banking.

ELECTRONIC CHECK CONVERSION. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or to pay bills.

LIMITATIONS ON TRANSACTIONS

TRANSACTION LIMITATIONS - ATM CARD
CASH WITHDRAWAL LIMITATIONS: You may withdraw up to $535.00 through use of ATMs in any one day. You may make up to 5 withdrawals of cash through use of ATMs in any one day.

There is a daily limit for all ATM withdrawal transactions. For security reasons, specific dollar limits are disclosed at the time the ATM Card is issued. Wintrust Bank reserves the right to change dollar amount limits at any time upon prior notification.

TRANSACTION LIMITATIONS - MASTERCARD DEBIT CARD
CASH WITHDRAWAL LIMITATIONS: You may withdraw up to $535.00 through use of ATMs in any one day. You may make up to 5 withdrawals of cash through use of ATMs in any one day.

There is a daily limit for all ATM withdrawal transactions. For security reasons, specific dollar limits are disclosed at the time the Debit Card is issued. Wintrust Bank reserves the right to change dollar amount limits at any time upon prior notification.

POINT OF SALE LIMITATIONS: You may buy up to $2,500.00 worth of goods or services in any one day through use of our Point of Sale service. You can use our Point of Sale service for up to 10 transactions in any one day.

TRANSACTION LIMITATIONS - STUDENT CHECKING DEBIT CARD (FOR MINORS AGES 13 THROUGH 17)

CASH WITHDRAWAL LIMITATIONS: You may withdraw up to $250.00 through use of ATMs in any one day. You may make up to 5 withdrawals of cash through use of ATMs in any one day.

There is a daily limit for all ATM withdrawal transactions. For security reasons, specific dollar limits are disclosed at the time the Debit Card is issued. Wintrust Bank reserves the right to change dollar amount limits at any time upon prior notification.

POINT OF SALE LIMITATIONS: You may buy up to $500.00 worth of goods or services in any one day through use of our Point of Sale service. You can use our Point of Sale service for up to 10 transactions in any one day.

OTHER WITHDRAWAL LIMITATIONS.

POINT OF SALE LIMITATIONS - DEBIT CARD SIGNATURE BASED: You may buy up to $2,500.00 worth of goods or services in any one day through the use of our Point of Sale service. You can use our Point of Sale service for ten (10) signature based transactions in any one day.
Account to Account Transfers are limited to $500.00 per day. The number of Account to Account transactions in any one day is limited to 5.
Account to Account Payments are limited to $2,500.00 per day. The number of Account to Account transactions in any one day is limited to 10.
Cash Advance transactions are limited to $500.00 per day. The number of Cash Advance transactions in any one day is limited to 2.

POINT OF SALE LIMITATIONS -STUDENT CHECKING DEBIT CARD (FOR MINORS AGES 13 THROUGH 17) SIGNATURE BASED - You may buy up to $500.00 worth of goods or services in any one day through the use of our Point of Sale service. You can use our Point of Sale service for ten (10) signature based transactions in any one day.
Account to Account Transfers are limited to $250.00 per day. The number of Account to Account Transfer transactions in any one day is limited to 5.
Account to Account Payments are limited to $500.00 per day. The number of Account to Account Payment transactions in any one day is limited to 10.
Cash Advance transactions are prohibited.

OTHER LIMITATIONS

  • Transaction limits for transfers and bill payment do apply. These limits are disclosed at the time the services are set up, and prior to any changes being made.
  • The terms of your account(s) may limit the number of withdrawals you may make each month. Restrictions disclosed at the time you opened your account(s), or sent to you subsequently will also apply to your electronic withdrawals and electronic payments unless specified otherwise.
  • We reserve the right to impose limitations for security purposes at any time.

LIMITS ON TRANSFERS FROM CERTAIN ACCOUNTS. Federal regulation limits the number of checks, telephone transfers, online transfers and preauthorized electronic transfers to third parties (including Point of Sale transactions) from money market and savings type accounts. You are limited to six such transactions from each money market and/or savings type account(s) you have each month for purposes of making a payment to a third party or by use of a telephone or computer.

NOTICE OF RIGHTS AND RESPONSIBILITIES

The use of any electronic fund transfer services described in this document creates certain rights and responsibilities regarding these services as described below.

RIGHT TO RECEIVE DOCUMENTATION OF YOUR TRANSFERS

TERMINAL TRANSFERS. You will get a receipt at the time you make an EFT transaction of more than $15.00 to or from your account at an ATM terminal or at a Participating Merchant. The receipt shall clearly set forth to the extent applicable:

  1. the amount involved and date the transfer is initiated;
  2. the type of transfer;
  3. the identity of your account with the financial institution from which or to which funds are transferred;
  4. the identity of any third party to whom or from whom funds are transferred; and
  5. the location or identification of the electronic terminal involved.

DOCUMENTATION AS EVIDENCE OF TRANSFER. Any documentation that is provided to you which indicates that an electronic fund transfer was made shall be admissible as evidence of such transfer and shall constitute prima facie proof that such transfer was made to another person.

PERIODIC STATEMENTS. If your account is subject to receiving a monthly statement, all EFT transactions will be reported on it. If your account is subject to receiving a statement less frequently than monthly, then you will continue to receive your statement on that cycle, unless there are EFT transactions, in which case you will receive a monthly statement. In any case you will receive your statement at least quarterly.

PREAUTHORIZED DEPOSITS. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company:

  • we will let you know if the deposit is made.

USING YOUR CARD AND PERSONAL IDENTIFICATION NUMBER ("PIN"). In order to assist us in maintaining the security of your account and
the terminals, the ATM Card or Debit Card remains our property and may be revoked or canceled at any time without giving you prior notice. You agree not to use your ATM Card or Debit Card for a transaction that would cause your account balance to go below zero, or to access an account that is no longer available or lacks sufficient funds to complete the transaction, including any available line of credit. We will not be required to complete any such transaction, but if we do, we may, at our sole discretion, charge or credit the transaction to another account; you agree to pay us the amount of the improper withdrawal or transfer upon request.

Your ATM Card may only be used with your PIN. Certain transactions involving your Debit Card require use of your PIN. Your PIN is used to identify you as an authorized user. Because the PIN is used for identification purposes, you agree to notify Wintrust Bank immediately if your ATM Card or Debit Card is lost or if the secrecy of your PIN is compromised. You also agree not to reveal your PIN to any person not authorized by you to use your ATM Card or Debit Card or to write your PIN on your ATM Card or Debit Card or on any other item kept with your ATM Card or Debit Card. We have the right to refuse a transaction on your account when your ATM Card or Debit Card or PIN has been reported lost or stolen or when we reasonably believe there is unusual activity on your account.

The security of your account depends upon your maintaining possession of your ATM Card or Debit Card and the secrecy of your PIN. You may change your PIN if you feel that the secrecy of your PIN has been compromised. You may change your PIN at an ATM or via the telephone, using our TeleBanking system or by seeing a Personal Banker.

RIGHTS REGARDING PREAUTHORIZED TRANSFERS

RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment,

Phone at: 847-853-1145 or
Mail at:

Wintrust Bank
P.O. Box 926
Wilmette, Illinois 60091

We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we may require you to put your request in writing and deliver it to us within fourteen (14) days after you call.

NOTICE OF VARYING AMOUNTS. If you have arranged for automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten days prior to the payment date of the amount to be deducted. 

OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS. If you order us to stop one of the payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses or damages.

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM Card or Debit Card or PIN or internet banking access code has been lost or stolen,

Phone at: 847-853-1145 (9:00 am - 5:00 pm) or
Mail at:

Wintrust Bank
P.O. Box 926
Wilmette, Illinois 60091

You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

CONSUMER LIABILITY. Tell us at once if you believe your ATM Card or Debit Card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN you can lose no more than fifty dollars ($50) if someone used your ATM Card or Debit Card or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN and we can prove we could have stopped someone from using your ATM Card or Debit Card or PIN without your permission if you had given us notice, you can lose as much as five hundred dollars ($500).
Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

CONSUMER LIABILITY FOR UNAUTHORIZED TRANSACTIONS INVOLVING MASTERCARD DEBIT CARD AND STUDENT CHECKING DEBIT CARD (FOR MINORS AGES 13 THROUGH 17). The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions involving your card with the MasterCard® branded card. If you promptly notify us about an unauthorized transaction involving your card and the unauthorized transaction took place on your MasterCard® branded card, including any PIN-based ATM or POS transactions, zero liability will be imposed on you for the unauthorized transaction. In order to qualify for the zero liability protection, you must have exercised reasonable care in safeguarding your card from the risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR TRANSACTIONS.

In case of errors or questions about your electronic fund transfers,

Phone at: 847-853-1145 or
Mail at:

Wintrust Bank
P.O. Box 926
Wilmette, Illinois 60091

or use the current information on your most recent account statement.

Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact Wintrust Bank no later than 60 days after we sent you the first statement on which the problem or error appears. You must be prepared to provide the following information:

  • Your name and account number.
  • A description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information.
  • The dollar amount of the suspected error.

If you provide oral notice, you may be required to send in your complaint or question in writing within ten (10) business days.

We will determine whether an error occurred within ten (10) business days (twenty (20) business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety (90) days for new accounts and foreign initiated or Point of Sale transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty (20) business days for new accounts) for the amount which you think is in error, so that you will have the use of the money during the time it takes to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. The extended time periods for new accounts apply to all electronic fund transfers that occur within the first thirty (30) days after the first deposit to the account is made, including those for foreign initiated or Point of Sale transactions.

We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

LIABILITY FOR FAILURE TO COMPLETE TRANSACTION. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages as provided by law. However, there are some exceptions. We will NOT be liable, for instance:

  • If through no fault of ours, you do not have enough money in your account to make the transfer.
  • If the transfer would result in your exceeding the credit limit on your line of credit, if you have one.
  • If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer.
  • If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken.
  • If we have terminated our Agreement with you.
  • When your ATM Card or Debit Card has been reported lost or stolen or we have reason to believe that something is wrong with a transaction.
  • If we receive inaccurate or incomplete information needed to complete a transaction.
  • In the case of preauthorized transfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer.
  • If the funds in the account are subject to legal action preventing a transfer to or from your account.
  • If the electronic terminal does not have enough cash to complete the transaction.

There may be other exceptions provided by applicable law.

CHARGES FOR TRANSFERS OR THE RIGHT TO MAKE TRANSFERS. We reserve the right to impose a fee and to change fees upon notice to you. We do not charge for direct deposits to any type of account.
We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers.

DISCLOSURE OF ACCOUNT INFORMATION. We will disclose information to third parties about your account or electronic fund transfers made to your account:

  1. Where necessary to complete a transfer or to investigate and resolve errors involving the transfer(s); or
  2. In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant; or
  3. In order to comply with government agency or court orders; or
  4. If you give us your permission in a record or writing.

NOTICE OF ATM SAFETY PRECAUTIONS
SAFETY PRECAUTIONS FOR ATM TERMINAL USAGE. Please keep in mind the following basic safety tips whenever you use an ATM:

  • Have your ATM Card or Debit Card ready to use when you reach the ATM. Have all of your forms ready before you get to the machine. Keep some extra forms (envelopes) at home for this purpose.
  • If you are new to ATM usage, use machines close to or inside a financial institution until you become comfortable and can conduct your usage quickly.
  • If using an ATM in an isolated area, take someone else with you if possible. Have them watch from the car as you conduct your transaction.
  • Do not use ATMs at night unless the area and machine are well-lighted. If the lights are out, go to a different location.
  • If someone else is using the machine you want to use, stand back or stay in your car until the machine is free. Watch out for suspicious people lurking around ATMs, especially during the times that few people are around.
  • When using the machine, stand so you block anyone else's view from behind.
  • If anything suspicious occurs when you are using a machine, cancel what you are doing and leave immediately. If going to your car, lock your doors.
  • Do not stand at the ATM counting cash. Check that you received the right amount later in a secure place, and reconcile it to your receipt then.
  • Keep your receipts and verify transactions on your account statement. Report errors immediately. Do not leave receipts at an ATM location.
  • Report all crimes to the operator of the ATM and to local law enforcement officials immediately.

ADDITIONAL PROVISIONS

Your account is also governed by the terms and conditions of other applicable agreements between you and Wintrust Bank.

You agree not to reveal your PIN to any person not authorized by you to access your account. 

Advisory Against Illegal Use: You agree to not use your card(s) for illegal gambling or other illegal purpose.  Display of the payment card logo by, for example, an online merchant does not necessarily mean that the transactions are lawful in all jurisdictions in which the cardholder may be located.

ALERTS: Debit Card Alerts provide the ability to receive an e-mail or text message notification based on preset parameters regarding your card usage. You can receive an alert for each PIN based transaction, signature based purchase, deposit, return, or suspected fraudulent transaction by calling the bank at 847-853-1145. Alerts will be sent electronically to the e-mail address or mobile phone number you have provided. If you change your e-mail address or phone number, it is your responsibility to call the bank to update the information. You understand and agree that alerts may be delayed or prevented for a variety of reasons. The Bank neither guarantees the delivery or the accuracy of the content of any alert You also agree that we shall not be liable for any delays, failure to deliver or misdirected delivery of any alert, nor any errors in content of the alert, or for any actions taken or not taken by you or any third party in reliance of an alert. You further understand and agree that alerts are not encrypted. We will not include your full account # in any alert. However, alerts may include your name & some information regarding your accounts. Anyone with access to your e-mail or text messages will be able to read the content of the alerts. We strongly recommend that you appropriately secure the device (computer, mobile phone, PDA,) where you receive email and text messages to prevent unauthorized access.