1. General Information. This Total Access Checking account bonus offer is valid for new accounts opened April 1, 2020 through December 31, 2020. This Total Access Checking account bonus offer is not available to existing or closed checking account customers of Wintrust Financial Corporation (‘WTFC’) and its subsidiaries or its active employees. Limit 1 bonus payment per customer, regardless of the number of accounts opened. If you qualify for this Total Access Checking account bonus offer, you are ineligible to receive this Total Access Checking account bonus offer from any other WTFC location. If you qualify for any other WTFC savings offer it may be combined with this Total Access Checking account bonus offer. Your new account must be open, in the same product, and have a balance greater than zero to receive the bonus payment. 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. The $300.00 bonus payment 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. 2. ATM Fees. There is no WTFC 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 for certain foreign transactions conducted outside the continental United States. 3. Account Benefits. Online banking is required to access mobile banking, remote deposit capture, and Zelle. Internet/mobile connectivity is required. Deposits made through mobile banking or remote deposit capture are subject to deposit limits and funds are typically available by next business day. Deposit limits may change at any time. Third-party message and data rates may apply. Other restrictions apply. For more information go to: wintrust.com/agreement-and-disclosure. 4. Zelle. Zelle is intended for sending money to family, friends and people you know. Must be 13 years of age and have a bank account in the U.S. to use Zelle through the .communityMobile banking app. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Dollar and frequency limits apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 5. Bonus Qualifications. (i) Open a new Total Access Checking account; (ii) tell us you are aware of this Total Access Checking account bonus offer at account opening; (iii) have at least monthly occurring direct deposits totaling $500.00 or more each month made to your new account for 2 consecutive calendar months after the calendar month your new account was opened (‘Qualification Period’). For example, if you open your new account in January, you would need to have “Direct Deposits” made to your new account in February totaling $500 or more and in March totaling $500 or more; and (iv) enroll in online banking and activate e-statements within the Qualification Period. A direct deposit is defined as any payment made by a government agency, employer, or other third-party organization that is made via an electronic deposit. A direct deposit does not include teller/ATM/mobile or remote deposits, wire transfers, online banking/telephone transfers between accounts at WTFC, external transfers from other accounts at other financial institutions or ATM/debit card transfers and deposits. After you have completed all the above bonus qualifications, we will deposit the bonus payment into your new account within 30 calendar days after the Qualification Period. A listing of WTFC locations can be found here: www.wintrust.com/locations.