• 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
• CARDLESS CASH²
• CUBS DEBIT CARD!³

Chicago Cubs trademark and copyrights proprietary to Chicago Cubs. 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 the bank 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. 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 and has had no more than six overdraft occurrences within the past or current calendar year. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs. 3. Overdraft fees may apply.

• 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
• CARDLESS CASH²
• WHITE SOX DEBIT CARD!³

Chicago White Sox trademark and copyrights proprietary to 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 the bank 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. 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 and has had no more than six overdraft occurrences within the past or current calendar year. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs. 3. Overdraft fees may apply.

• 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
• 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 the bank 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. 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 and has had no more than six overdraft occurrences within the past or current calendar year. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs. 3. Overdraft fees may apply.

• 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
• 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 the bank 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. 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 and has had no more than six overdraft occurrences within the past or current calendar year. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs. 4. Overdraft fees may apply.

• 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
• 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
• 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 the bank 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. 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 and has had no more than six overdraft occurrences within the past or current calendar year. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs. 4. Overdraft fees may apply.
 

• AVAILABLE TO STUDENTS 13 TO 25 YEARS OF AGE
  *Applicants under the age of 18 must open account jointly with a parent, legal guardian, or other adult.
• 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
• CARDLESS CASH²
• DEBIT CARD³ AVAILABLE TO THOSE 13+

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 for certain foreign transactions conducted outside the continental United States. Surcharge reimbursements do not apply to transactions preformed on prepaid cards. 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 and has had no more than six overdraft occurrences within the past or current calendar year. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs. 3. Overdraft fees may apply.
 

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:

• Only $50 minimum deposit needed to open
• A tiered and interest bearing NOW Checking Account¹
• Must maintain a daily balance of $1,000 in the account each day to earn interest
• No monthly service charge and no minimum monthly balance
• FREE first order of specialty checks²
• NO ANNUAL FEE ATM or Debit Card³
• Free access to Allpoint, SUM and MoneyPass ATMs
• Waived rentail fee on a 3" x 5" Safe Deposit Box for first year⁴
• FREE imaged checks with CheckManager Plus®
• FREE on-line banking and telebanking⁵
• FREE bill pay
• FREE Quicken and Microsoft Money download capabilities
• Waived fees when purchasing Traveler's Checks, Money Orders and Cashier's Checks

1. Community 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. Interest rates are variable and subject to change at the bank's discretion. 2. Limitations on style and quantity may apply. 3. Overdraft fees may apply. 4. Or the equivalent toward a larger box. 5. Third party message, data, and/or internet service provider fees may apply.

• AVAILABLE TO INDIVIDUALS UNDER AGE 22
• VARIABLE INTEREST RATE WITH INTEREST PAID QUARTERLY
• NO MINIMUM OPENING DEPOSIT NEEDED
• NO MINIMUM BALANCE REQUIRED FOR THOSE UNDER 22
• $200 MINIMUM DAILY BALANCE REQUIREMENT FOR THOSE 22+ 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, debit card, 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 and PeoplePay. 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 and has had no more than six overdraft occurrences within the past or current calendar year. PeoplePay requires a Checking account with the Bank for at least 30 days. PeoplePay may have age restrictions. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs.

• 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 and PeoplePay. 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 and has had no more than six overdraft occurrences within the past or current calendar year. PeoplePay requires a Checking account with the Bank for at least 30 days. PeoplePay may have age restrictions. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs.

• 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, debit card, 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 and PeoplePay. 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 and has had no more than six overdraft occurrences within the past or current calendar year. PeoplePay requires a Checking account with the Bank for at least 30 days. PeoplePay may have age restrictions. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs.

(for students ages 13 - 22)¹

• NO minimum balance to open the account
• NO minimum balance to maintain the account
• NO monthly service charge
• If the account holder is under 18, the account must be a joint account with one or both parents, so minor can make deposits and withdrawals
• Mobile Alerts allow tracking of your teen's debit card activity
• Ask a parent or guardian to bring you to any of our locations and see one of our friendly personal bankers. At account opening, child(ren) must be accompanied by a parent or guardian and present valid social security number(s).
• Excessive transaction fees may apply1

MyCash Savings is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded quarterly and credited to your account quarterly.

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, debit card, 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, date, 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.

• 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 and PeoplePay. 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 and has had no more than six overdraft occurrences within the past or current calendar year. PeoplePay requires a Checking account with the Bank for at least 30 days. PeoplePay may have age restrictions. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs.

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

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.