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The choice of investments for your retirement funds is never easy. The funds you have saved for your retirement deserve special attention. How much you save and the returns on those funds may be the difference between being able to have the lifestyle you want during retirement or being forced to accept something less. We have many options for your money and want to help you manage your money in the best way possible. This time in your life may be the most enjoyable and relaxing. We want to help you enjoy the ride.

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, 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, 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 WHEN $10,000 MINIMUM DAILY BALANCE IS MET
  • FREE BANK SPECIALTY CHECK PRINTING FOR YOUR PREMIER CHECKING2
  • 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, 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.
 

PlatinumPreferred® Account

Our PlatinumPreferred Account® offers an attractive combination of products and services designed to meet the banking needs of those fifty and older.

Platinum Adventures®

Platinum Adventures® is our travel and activities club, created especially for customers age 50+.  Click here for more information.

Features and Benefits of the account

  • Only $50 minimum deposit needed to open
  • Tiered and interest bearing1 NOW checking with no minimum balance to maintain to avoid a monthly fee1
  • Must maintain a daily balance of $1,000 in the account each day to earn interest
  • FREE Specialty Gray Checks2
  • NO ANNUAL FEE debit card3
  • Free access to Allpoint, SUM and MoneyPass ATMs
  • Waived rental fee on a 3" x 5" safe deposit box for the first year (or equivalent savings off a larger box)4
  • Waived fees when purchasing traveler's checks, money orders and cashier's checks5
  • FREE imaged checks with CheckManager Plus®
  • FREE On-line Banking and Telebank
  • FREE Bill Pay
  • FREE Quicken and Microsoft Money download capabilities

Please see a Personal Banker for details.

1 Interest rates are variable and subject to change at the bank's discretion. Penalty fees, such as overdraft charges, and fees for special services may apply. Platinum Preferred Account is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded monthly and credited to your account monthly. 2Limitations apply on type of check and quantity ordered. 3Overdraft fees may apply. 4Limited number of boxes available.  5Excludes American Express Checks for Two.

Statement Savings

  • VARIABLE INTEREST RATE WITH INTEREST PAID QUARTERLY
  • NO MINIMUM OPENING DEPOSIT NEEDED
  • $200 MINIMUM DAILY BALANCE REQUIREMENT TO AVOID A $10 FEE PER CALENDAR QUARTER
  • EXCESSIVE TRANSACTION FEES MAY APPLY1
  • ONLINE & MOBILE BANKING2
  • REMOTE DEPOSIT2
  • E-STATEMENTS2

1. Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six (6) per calendar month with no transfers by check, draft, or similar order to third parties. More than eighteen (18) withdrawals in a calendar quarter may be charged an excessive transaction fee. Please see the bank's fee schedule for more details. You may make unlimited ATM withdrawals and unlimited withdrawals in person at a teller window. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking. 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.

Money Market

  • TIERED AND VARIABLE INTEREST RATE WITH INTEREST PAID MONTHLY
  • $100 MINIMUM OPENING DEPOSIT NEEDED
  • $2,500 MINIMUM DAILY BALANCE OR $5,000 AVERAGE DAILY BALANCE REQUIREMENT TO AVOID A $15 FEE PER MONTHLY STATEMENT CYCLE
  • EXCESSIVE TRANSACTION FEES MAY APPLY1
  • ONLINE & MOBILE BANKING2
  • REMOTE DEPOSIT2
  • E-STATEMENTS2

1. Transfers from a money market account to an account of the same depositor at this bank or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, or similar order to third parties are limited to six (6) per monthly statement cycle. More than six (6) withdrawals in a monthly statement cycle may be charged an excessive transaction fee. Please see the bank's fee schedule for more details.  You may make unlimited ATM withdrawals and unlimited withdrawals in person at a teller window. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking. 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.

Platinum Adventures® Club

Platinum Adventures® is our exclusive travel and activities club for customers aged 50+.  Platinum Adventures® provides great opportunities to meet new people, make new friends and enjoy activities such as:

  • Day trips to interesting sights in Chicago and neighboring communities
  • Seminars and demonstrations on interesting and important topics
  • Extended travel to U.S. and foreign destinations (upcoming trips include South Dakota, Russia, and Tanzania!)

It's easy and FREE to join!  If you are at least 50 years of age and have a Platinum Preferred® checking account, you are eligible!* Your only expense is the cost of events and trips you attend.

*Those age 50 or older are eligible for club membership. Club membership requires Platinum Preferred Checking account. Certain requirements may apply. See a Personal Banker for more details.

2015 Upcoming Events

Friday, October 23rd, Friday October 30th
Old Plank Trail Halloween Party

Frankfort Rt. 30 & Shorewood branch locations
Spend the evening with Old Plank Trail Community Bank celebrating Halloween! Bring your grand-children and your family because this Halloween party is going to be a blast. With Arts & Crafts and a performance by Smarty Pants, this is bound to be a howling good time. Don't forget your spookiest costume and something to collect candy in. The festivities start at 6:30pm and go until 8:30pm. See you there!
TIME: 6:30pm - 8:30pm | COST: Free
There will be no transportation to this event.
No reservation required

Tuesday, October 27th - Trip Preview
Washington's Waterway and National Parks

Frankfort & Steger location
Don’t miss the opportunity to see some of the best of the USA! Featuring Mount Rainier and Olympic Mountains National Parks. 9 days, 13 meals, explore the Pacific Northwest and much more! Come to our Frankfort or Steger branch to learn all the details.
Refreshments will be served.
Frankfort Branch: 2pm
20901 Lagrange Road. Frankfort, IL
Steger Branch: 4pm
20 W. Steger Road. Steger, IL
TIME: 2pm & 4PM | COST: Free
No reservation required.

Wednesday, October 28th
Chili Cook-off
Plainfield Bank & Trust

13600 S. Rt. 59 Plainfield IL, 60544
Plainfield in conjunction with the Plainfield Chamber of Commerce is hosting a sports themed chili cook-off and business after hours event at their branch. Residents and businesses within Plainfield are invited to enter the cook-off with their signature chili recipes. We would like you to come out and taste test during an evening of fun for the whole family. Be sure to bring an empty stomach and wear your favorite team's jersey!
TIME: 5-7pm  | COST: Free
There will be no transportation provided for this event.
No reservation required

Saturday, November 21st
Lincoln Way Area Chorale Christmas Concert
Lincoln Way East High School
201 Colorado Ave, frankfort IL

What better way to kick off the Holiday season than with a Christmas Concert that will warm your heart. All the well-known songs will be sung by singers from the Lincoln Way Area Chorale who come from communities all around us. You'll be singing along before you know it! Come by yourself, with your grandchildren, or make it a family event! Nothing says Christmas quite like a beautiful chorale.
TIME: 3pm | COST: $12 Seniors & children - $14 Adult
There will be no transportation to this event.
Reservation required

Saturday, December 5th
The Texas Tenors
Joliet Rialto Theatre - Evening Performance
102 N Chicago St, Joliet, IL 60432

Each year we look forward to our Christmas trip and this year will be fun. The Rialto Theatre in Joliet will be showcasing The Texas Tenors who made their whirlwind debut five years ago on America's Got Talent. These Texas Emmy winners are sure to blow you away. Join us for the Christmas event, "Deep in the Heart of Christmas" and enjoy their breathtaking vocals and cowboy charm. Prior to the event enjoy a delicious family style dinner at Little Joe's Famous Chicago Ristorante in Frankfort.
COST: $95 PER PERSON - includes ticket, bus, meal.
pickups at both Frank Rt. 45 and Steger locations.
Reservation required - Contact Judy Filippo or Mary Beth Stout

February 9th (Frankfort) & February 10th (Steger)
Sweet & Safety II
Frankfort Rt. 45 & Steger Branch
Frankfort & Steger branch

Join us for an informational afternoon in Frankfort or Steger as we discuss general information on laws and regulations that protect consumers, and will help guard against identity theft and elder financial abuse.  This session will also help you know how to be financially prepared when a disaster strikes.
February 9th, Tuesday: 1-3pm
20901 Lagrange Road. Frankfort, IL
February 10th, Wednesday: 1-3pm
20 W. Steger Road. Steger, IL
COST: Free
Reservation required
Contact Judy Filippo for the Frankfort Rt.45 location and Mary Beth Stout for the Steger location.

 

Click here to see our current flyer, or call Judy Filippo at 815-464-6888 or Mary Beth Stout at 708-754-6161 for information and to make reservations for our trips.

 

2015 Trips

October 22 - 23, 2015

Ghosts of Galena
Join us during the season of “tricks and treats” as we journey to Galena, IL for a special overnight trip. This “spooky” trip includes a ghost tour, tarot reading sessions, a visit to Havencrest Castle, wine tasting at Massbach Ridge Winery, a stop at Edwards Apple Orchard and more! We will enjoy delicious “treats” at the Lincoln Way Café and at the historic Vinny Vanucchi’s Restaurant.
 

December 3 - 6, 2015

New York City Holiday
There is no city more exciting than New York City during the holiday season! The festive decorations trimming the city streets, the imaginative store windows displaying a wonderland of holiday dreams and the entertaining Broadway shows are sure to spark the holiday spirit in your heart. Trip highlights include: 3 night stay in Manhattan, Broadway shows, guided city tour including Central Park, Fifth Avenue, St. Patrick’s Cathedral, Times Square, Lower Manhattan, Greenwich Village, Soho, Financial District, Wall Street, and Chinatown. You’ll also enjoy the Circle Line Boat Cruise around Manhattan Island with views of the Statue of Liberty and Ellis Island, National September 11th Memorial & Museum, Empire State Building, the ice skating rink & the city’s enormous Christmas tree at Rockefeller Center. Top it all off with the Radio City Christmas Spectacular starring the Rockettes at Radio City Music Hall!

 

Fixed Rate Certificates of Deposit

We regularly offer a wide range of fixed-rate certificates of deposit, including the following terms

  • 6 Months
  • 12 Months
  • 18 Months
  • 24 Months
  • 30 Months
  • 36 Months
  • 48 Months
  • 60 Months

Minimum balance to open a fixed-rate certificate of deposit is $1,000.

Interest rates vary depending on the term of the CD. Interest is calculated using the daily balance method. You may not make deposits into the account until the maturity date. Subject to early withdrawal penalties.  See CD for our renewal policy.