1. Available to Money Smart Financial Training participants (1 session required). If the customer is on ChexSystems and does not complete 1 session/module the customer may open a Money Smart Savings® account. 2. There is no Wintrust Financial Corporation (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. Up to 6 surcharge fees assessed by owners of other ATMs outside the network will be reimbursed each calendar month. Reimbursement does not include the 1.10% International Service fee charged for certain foreign transactions conducted outside the continental United States. 3. Third party message, data, and/or internet fees may apply. Use of online banking is required for access to mobile banking. Mobile/internet connectivity is required. 4. Transaction limitations may apply. 5. 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. Up to 6 surcharge fees assessed by owners of other ATMs outside the network will be reimbursed each calendar month. Reimbursement does not include the 1.10% International Service fee charged for certain foreign transactions conducted outside the continental United States. 6. The Annual Percentage Rate (APR) is a fixed rate that’s based on the Prime Rate reported in the Money Rates section of the Wall Street Journal (the “WSJ Prime”) plus a margin, at the time the loan is made. For example, on 3/18/20 WSJ Prime was 3.25% resulting in the APR disclosed. See the bank for details. Applicant must meet underwriting guidelines. 

Credit Cards are issued by First Bankcard®, a division of First National Bank of Omaha.