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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, makes it easier to monitor your Cash-flow
  • TeleBanking

Cubs 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
  • PEER-TO-PEER PAYMENTS2
  • CARDLESS CASH2
  • CUBS MASTERCARD® DEBIT CARD!3


MasterCard is a registered trademark of MasterCard International Incorporated. Banking services provided by Wintrust Community Banks. Chicago Cubs and Chicago White Sox trademarks and copyrights proprietary to Chicago Cubs and Chicago White Sox. Used with permission. 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 People Pay. 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. People Pay requires 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.

White Sox 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
  • PEER-TO-PEER PAYMENTS2
  • CARDLESS CASH2
  • WHITE SOX MASTERCARD® DEBIT CARD!3


MasterCard is a registered trademark of MasterCard International Incorporated. Banking services provided by Wintrust Community Banks. Chicago Cubs and Chicago White Sox trademarks and copyrights proprietary to Chicago Cubs and Chicago White Sox. Used with permission. 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 People Pay. 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. People Pay requires 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.

Wintrust 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
  • PEER-TO-PEER PAYMENTS2
  • CARDLESS CASH2
  • MASTERCARD® DEBIT CARD3


MasterCard is a registered trademark of MasterCard International Incorporated. Banking services provided by Wintrust Community Banks. 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 People Pay. 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. People Pay requires 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.

Wintrust 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
  • PEER-TO-PEER PAYMENTS3
  • CARDLESS CASH3
  • MASTERCARD® DEBIT CARD4


MasterCard is a registered trademark of MasterCard International Incorporated. Banking services provided by Wintrust Community Banks. 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 People Pay. 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. People Pay requires 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.

Wintrust 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 FIRST ORDER OF SPECIALTY CHECKS2
  • 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
  • PEER-TO-PEER PAYMENTS3
  • CARDLESS CASH3
  • MASTERCARD® DEBIT CARD4


MasterCard is a registered trademark of MasterCard International Incorporated. Banking services provided by Wintrust Community Banks. 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 People Pay. 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. People Pay requires 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.

 

Wintrust 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 DEPOSIT NEEDED
  • ONLINE & MOBILE BANKING2
  • REMOTE DEPOSIT2
  • ONLINE BILL PAY2
  • E-STATEMENTS2
  • PEER-TO-PEER PAYMENTS2
  • CARDLESS CASH2
  • MASTERCARD® DEBIT CARD3 AVAILABLE TO THOSE 18+
  • MYFAMILYCARD PREPAID MASTERCARD AVAILABLE FOR THOSE UNDER 18


MasterCard is a registered trademark of MasterCard International Incorporated. Banking services provided by Wintrust Community Banks. 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. Bank will reimburse up to 5 national surcharge fees assessed by owners of ATM's outside network per month. 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 People Pay. 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. People Pay requires 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.

 

Community NOW Account™

Whether you've just moved to the area or are a longtime resident, the Community NOW Account™ offers a whole bundle of benefits that have no fees. You can utilize some or all of the following benefits:

  • An interest bearing NOW Checking Account5
  • No monthly service charge and no minimum monthly balance1
  • FREE first order of specialty checks
  • Checking, savings and CD balances go into one combined monthly statement
  • NO ANNUAL FEE ATM or MasterCard Debit Card
  • Free access to Allpoint, SUM and MoneyPass ATMs in the Chicagoland area
  • NO ANNUAL FEE Credit Card2
  • FREE 3" x 5" Safe Deposit Box for 1 Year4
  • FREE imaged checks with CheckManager Plus®
  • FREE on-line banking and telebanking
  • FREE bill pay
  • FREE Quicken and Microsoft Money download capabilities
  • No FEE Traveler's Checks, Money Orders and Cashier's Checks
  • NO ANNUAL FEE Overdraft Protection2
  • 1/4% discount on installment loans with auto-debit
  • A low rate Home Equity Line of Credit with no closing costs3

To take advantage of some or all of these benefits, all you have to do is open an OP NOW Account™ for $50.

Fill out and submit this application form or come see one of our friendly personal bankers. Overdraft protection also available.

1 Penalty fees, such as overdraft charges, and fees for special services may apply. 2 Subject to approval. 3 Please call the bank for disclosure on this product. 4 Or the equivalent toward a larger box. 5Community NOW 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. Must maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual %

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

  • Interest bearing6 NOW checking with no minimum balance and no monthly fee1
  • FREE Specialty Gray Checks2
  • NO ANNUAL FEE debit card 
  • Free access to SUM and MoneyPass ATMs in the Chicagoland area3
  • FREE 3" x 5" safe deposit box for one year (or equivalent savings off a larger box)4
  • FREE 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
  • Initial deposit of $50 required to open7.

Please see a Personal Banker for details.

Our Exclusive Platinum Trail Dollars Program - To Celebrate Senior Moments!

In addition to all the great benefits above, we offer "Trail Dollar" gift certificates as a unique reward to our account holders.  Please see a Personal Banker for details.  Trail Dollars can be redeemed with the following fine merchants:

Double Yolk Restaurant, 11400 Lincoln Highway, Mokena

Paradise Smoothie & Coffee, 1938 E. Lincoln Highway, New Lenox

Little Joe's Pizza & Restaurante, 1300 N. Cedar Road, New Lenox

Little Joe's Pizza & Restaurante, 7976 W. 167th Street, Tinley Park

*Redeem up to 3 Trail Dollars per purchase at the above locations

Watch for chances to win Trail Dollars during Platinum Adventures events and at other events throughout the year!

Overdraft protection also available.

1Penalty fees, such as overdraft charges, and fees for special services may apply. Minimum to open account is $50. 2Limitations apply on type of check and quantity ordered. 3No transaction charge at any of our affiliated ATMs. Other banks may impose ATM surcharges at their machines. 4Limited number of boxes available.  5Free travelers checks do not apply to the two signature American Express traveler's checks. 6Platinum 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. 7Must maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield.