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We offer enhanced and simple checking account solutions to choose from, each designed to suit your individual needs. Have access to your money on a daily basis for every day needs. Each account makes banking easier and includes:

  • A Large ATM network
  • Online Banking
  • E-statements
  • FinanceWorks powered by Quicken®, makes it easier to monitor your Cash-flow
  • TeleBanking

Total Access Checking

 

  • FREE ATMS NATIONWIDE1
  • NO MINIMUM BALANCE REQUIRED
  • NO MONTHLY MAINTENANCE FEES
  • ONLY $100 NEEDED TO OPEN
  • ONLINE & MOBILE BANKING2
  • REMOTE DEPOSIT2
  • ONLINE BILL PAY2
  • E-STATEMENTS2
  • PERSON-TO-PERSON PAYMENTS2
  • CARDLESS CASH2
  • DEBIT CARD3


1. The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, ATM Access, 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 ATMs outside the network will be reimbursed. Reimbursement does not include the 1.10% International Service fee charged by MasterCard® for certain foreign transactions conducted outside the continental United States. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and person-to-person payments. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar year. Person-to-person payments require a Checking account. Cardless Cash requires a checking account and debit card with the bank and is available only at Wintrust Community Bank ATMs. 3. Overdraft fees may apply.

Access Plus Checking

  • FIVE FREE NATIONWIDE ATM REFUNDS PER STATEMENT CYCLE1
  • ONLY $100 NEEDED TO OPEN
  • $1,000 MINIMUM DAILY BALANCE OR $2,500 AVERAGE BALANCE FOR THE MONTHLY STATEMENT CYCLE TO AVOID A $10 MONTHLY FEE
  • VARIABLE INTEREST RATE WITH INTEREST PAID MONTHLY
  • FREE FIRST ORDER OF SPECIALTY CHECKS2
  • ONLINE & MOBILE BANKING3
  • REMOTE DEPOSIT3
  • ONLINE BILL PAY3
  • E-STATEMENTS3
  • PERSON-TO-PERSON PAYMENTS3
  • CARDLESS CASH3
  • DEBIT CARD4

1. The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, ATM Access, MoneyPass, or Sum surcharge–free networks.  Other banks outside the network may impose ATM surcharges at their machines. Up to five(5) surcharge fees assessed by owners of other ATMs outside the network will be reimbursed per statement cycle. Reimbursement does not include the 1.10% International Service fee charged by MasterCard® for certain foreign transactions conducted outside the continental United States. 2. Restrictions on style and quantity may apply. 3. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and person-to-person payments. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar year. Person-to-person payments require a Checking account. Cardless Cash requires a checking account and debit card with the bank and is available only at Wintrust Community Bank ATMs. 4. Overdraft fees may apply.

Premier Checking

  • FREE ATMS NATIONWIDE1
  • ONLY $100 NEEDED TO OPEN
  • $10,000 AVERAGE DAILY BALANCE OR $75,000 COMBINED AVERAGE RELATIONSHIP BALANCE FOR THE MONTHLY STATEMENT CYCLE TO AVOID A $25 MONTHLY FEE
  • TIERED AND VARIABLE INTEREST RATE WITH INTEREST PAID MONTHLY
  • FREE BANK SPECIALTY CHECK PRINTING2
  • WAIVED FEES WHEN PURCHASING MONEY ORDERS, CASHIER CHECKS, AND TRAVELERS CHECKS
  • WAIVED FEES FOR INCOMING WIRE TRANSFERS CREDITED TO YOUR PREMIER CHECKING ACCOUNT
  • WAIVED FEES ON A SAFE DEPOSIT BOX – SMALLEST BOX SIZE OFFERED AT THE BRANCH LOCATION OR EQUIVILENT DISCOUNTS ON A LARGER SIZE BOX
  • ONLINE & MOBILE BANKING3
  • REMOTE DEPOSIT3
  • ONLINE BILL PAY3
  • E-STATEMENTS3
  • PERSON-TO-PERSON PAYMENTS3
  • CARDLESS CASH3
  • DEBIT CARD4


1. The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, ATM Access, 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 ATMs outside the network will be reimbursed. Reimbursement does not include the 1.10% International Service fee charged by MasterCard® for certain foreign transactions conducted outside the continental United States. 2. Restrictions on style and quantity may apply. 3. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and person-to-person payments. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar year. Person-to-person payments require a Checking account. Cardless Cash requires a checking account and debit card with the bank and is available only at Wintrust Community Bank ATMs. 4. Overdraft fees may apply.

Student Checking

  • AVAILABLE TO STUDENTS 16 TO 25 YEARS OF AGE
  • FIVE FREE NATIONWIDE ATM REFUNDS PER STATEMENT CYCLE1
  • NO MINIMUM BALANCE REQUIRED
  • NO MONTHLY MAINTENANCE FEES
  • NO MINIMUM OPENING DEPOSIT2
  • REMOTE DEPOSIT2
  • ONLINE BILL PAY2
  • E-STATEMENTS2
  • PERSON-TO-PERSON PAYMENTS2
  • CARDLESS CASH2
  • DEBIT CARD3 AVAILABLE TO THOSE 18+
  • MYFAMILYCARD PREPAID MASTERCARD AVAILABLE FOR THOSE UNDER 18

1. The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, ATM Access, 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 ATMs outside the network will be reimbursed" to be "Up to five (5) surcharge fees assessed by owners of other ATMs outside the network will be reimbursed per statement cycle. Reimbursements do not apply to transactions performed on the MyFamilyCard prepaid card. Reimbursement does not include the 1.10% International Service fee charged by MasterCard® for certain foreign transactions conducted outside the continental United States. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and person-to-person payments. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar year. Person-to-person payments require a Checking account. Cardless Cash requires a checking account and debit card with the bank and is available only at Wintrust Community Bank ATMs. 3. Overdraft fees may apply.