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NEW AND IMPROVED!
TOTAL ACCESS CHECKING
Enjoy A $300 Bonus1 And Start Banking Better
From our people to our products, see how our different approach leads to better results.
$100 to open. See below for qualifying activities. Promo code applied automatically.
Enjoy A $300 Bonus1 And Start Banking Better
From our people to our products, see how our different approach leads to better results.
$100 to open. See below for qualifying activities. Promo code applied automatically.
NO FEES, THAT’S IT
No minimum monthly balance or monthly maintenance fees.
FREE ATMS NATIONWIDE2
Every ATM you see is FREE! We’ll refund any ATM fee nationwide.
NO OVERDRAFT FEES3
We don’t charge for mistakes.
FOLLOW THESE SIMPLE STEPS5 TO EARN YOUR CASH BONUS
1
Open a new Total Access Checking account
2
Enroll in online banking & e-statements
3
Have $500+ in direct deposits each month of the Qualification Period
Promo code applied automatically.
ACCOLADES FOR OUR APP
Our enhanced mobile app6 is top-rated — see what our customers have to say!
4.8
1.95K reviews on Google Play
4.8
12.6K ratings on App Store
YOUR SECURITY MEANS EVERYTHING
At Wintrust Community Banks, 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.
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1. Total Access Checking Bonus Information. Offer valid for accounts opened 2/1/24 – 11/5/25. Offer not available to existing or closed checking account customers of Wintrust Financial Corporation (‘WTFC’) & its subsidiaries or employees, and Macatawa Bank locations. 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 domestic 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. Early Pay. Early Pay allows eligible direct deposits for consumer accounts to be credited to your account up to 2 days early. Early availability is not guaranteed and is determined based on receipt of payer information and standard fraud prevention monitoring. 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.
5. 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. Your account opening date is the business day that we open your account. If your account is opened on a non-business day (weekends and federal holidays), your account opening date is the next business day. Direct deposit is a payment made by a government agency, employer, or other third-party organization via electronic deposit, but does not include teller/ATM/mobile or remote deposits, wire transfers, digital banking/telephone transfers between accounts at WTFC, external transfers from accounts at other financial institutions, peer-to-peer network payments like Zelle® or Venmo, or debit card transfers & deposits. New account must be open & have a balance greater than $0 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.
6. 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.
