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TOTAL ACCESS CHECKING

TOTAL ACCESS CHECKING

Enjoy A $300 Bonus1 And Experience Better Banking

Enjoy A $300 Bonus1 And Experience Better Banking

From our people to our products, see how our different approach leads to better results.

From our people to our products, see how our different approach leads to better results.

$100 to open. Promo code applied automatically.

$100 to open. Promo code applied automatically.

OR

Your email won’t be shared with 3rd parties.

Your email won’t be shared with 3rd parties.

TAC 300

Experience our top-rated mobile app

Experience our top-rated mobile app

4.6

Apple rating

Apple App Store

4.8

Google rating

Google Play Store

THE PROOF IS IN THE PERKS

We’ve built a bank account that offers great benefits while supporting our community.

No fees


NO FEES, THAT’S IT

No minimum monthly balance or monthly maintenance fees.

Free ATM


FREE ATMS NATIONWIDE2

Every ATM you see is FREE! We’ll refund any ATM fee nationwide.

No overdraft fees


NO OVERDRAFT FEES3

We’ve eliminated overdraft fees because we understand that mistakes can happen.

FOLLOW THESE SIMPLE STEPS4 TO EARN YOUR CASH BONUS

FOLLOW THESE SIMPLE STEPS4 TO EARN YOUR CASH BONUS

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Promo code applied automatically.

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Open a new Total Access Checking account

Enroll in online banking & e-statements

Have $500+ in direct deposits each month of the Qualification Period

YOUR SECURITY MEANS EVERYTHING


At Wintrust, we’re committed to safeguarding your finances and securing your personal information. That’s why we use advanced security & fraud controls to defend against threats, including phishing, fake checks, ACH fraud, malware and ransomware. We also offer fraud education resources that outline simple steps you can take to protect yourself and your accounts from falling into the wrong hands.

At Wintrust, we’re committed to safeguarding your finances and securing your personal information. That’s why we use advanced security & fraud controls to defend against threats, including phishing, fake checks, ACH fraud, malware and ransomware.

We also offer fraud education resources that outline simple steps you can take to protect yourself and your accounts from falling into the wrong hands.

DON’T MISS OUT ON YOUR $300 CHECKING BONUS!

When you open a new checking account online, you get free ATMs2, solid online and mobile banking5 tools, and $3001, but you also get a relationship with a bank that cares about you, your needs, and this area. Join our family to see what community banking is all about.

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1. Total Access Checking Bonus Information. Offer valid for accounts opened 2/1/24 – 1/29/25. Offer not available to existing or closed checking account customers of Wintrust Financial Corporation (‘WTFC’) & its subsidiaries or employees. Limit 1 bonus payment per customer, regardless of number of accounts opened; may only be received from 1 WTFC location. Offer combinable with any WTFC savings offer. Bonus payment subject to IRS 1099-INT reporting & may be considered income for tax purposes.

2. ATM Fees. No WTFC transaction charge at ATMs in the Allpoint, ATM Access (Town Bank customers only), MoneyPass, or Sum networks. Banks outside the network may impose ATM surcharges. Surcharge fees assessed by owners of ATMs outside the network will be reimbursed. Reimbursement excludes 1.10% International Service fee for certain foreign transactions conducted outside the continental U.S.

3. Overdrafts. We may decline or return transactions when you do not have enough money in your account to cover the transaction.

4. Total Access Checking Bonus Qualifications. (i) Open new Total Access Checking account; (ii) mention offer during in-branch account opening, visit URL provided, or enter Echecking300 when applying online; (iii) have direct deposits totaling at least $500 per month made to the new account for 2 consecutive calendar months after the calendar month the new account was opened (‘Qualification Period’); & (iv) enroll in online banking & e-statements within the Qualification Period. Direct deposit is a payment made by a government agency, employer, or other third-party organization via electronic deposit, but does not include teller/ATM/mobile or remote deposits, wire transfers, digital banking/telephone transfers between accounts at WTFC, external transfers from accounts at other financial institutions, peer-to-peer network payments like Zelle® or Venmo, or debit card transfers & deposits. New account must be open & have a balance greater than $0 to receive bonus payment. Balance determined as of end of each business day as funds currently in the account including deposits & withdrawals made in the business day. For eligible customers, bonus is deposited into the new account within 30 calendar days after the Qualification Period. A listing of WTFC locations can be found here: wintrust.com/locations.

5. Digital Banking Services. Online or mobile banking required to access Zelle®. Internet/mobile connectivity required. Mobile banking required to access remote deposit capture. Deposits made through mobile banking or remote deposit capture are subject to deposit limits & funds are typically available by next business day. Deposit limits may change at any time. Third-party message/data rates & other restrictions may apply. For more information go to wintrust.com/agreement-and-disclosure.