1. General Bonus Information. These Total Access Checking and Statement Savings account bonus offers are valid for new accounts opened January 1, 2022, through January 31, 2024. These Total Access Checking and/or Statement Savings account bonus offers are not available to existing or closed checking and/or savings 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 and/or Statement Savings account bonus offer, you are ineligible to receive the same bonus offer or any other interest rate offer in the same product from any other WTFC location.

2. ATM Fees. There is no WTFC transaction charge at any ATM in the Allpoint, ATM Access (Town Bank customers only), 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. Digital Banking Services. Online or mobile banking is required to access Zelle®. Internet/mobile connectivity is required. Mobile banking is required to access remote deposit capture. 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. Total Access Checking Account Bonus Information. 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.

5. Total Access Checking Account Bonus Qualifications. (i) Open a new Total Access Checking account, (ii) mention this offer during in-branch account opening, visit the URL provided, or enter Echecking300 when applying online; (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 $500.00 or more and in March totaling $500.00 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 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.

6. Statement Savings Account. Fees may reduce earnings. We may change the interest rate on your account at any time. Transaction limitations may apply. 

7. Statement Savings Account Bonus Information. If you qualify for this Statement Savings bonus offer, you are ineligible to receive this Statement Savings bonus offer or any other savings interest rate offer from any other WTFC location. If you qualify for any other WTFC checking offer it may be combined with this Statement Savings 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 $200.00 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. 

8. Statement Savings Account Bonus Qualifications. (i) Open a new Statement Savings account; (ii) mention this offer during in-branch account opening, visit the URL provided, or enter Esavings200 when applying online; (iii) deposit $15,000.00 or more of new money; and (iv) maintain a minimum balance of at least $15,000.00 on the last business day of each of the 3 consecutive calendar months following the calendar month your new account is opened (‘Qualification Period’). After you have completed all of the above bonus qualifications, we will deposit the $200.00 bonus payment into your new account within 30 calendar days after the Qualification Period. We will use your balance in your new account as of the last business day of each of the 3 calendar months to determine if the minimum balance requirement was met.

9. New Money. New money is defined as money not currently held at any WTFC location. A listing of WTFC locations can be found here: wintrust.com/locations.