Wintrust

Choose checking with everyday banking features, early paycheck access, nationwide ATM fee refunds, and tiered benefits to match your needs.

Earn interest on savings with flexible access or choose a fixed-rate CD to grow funds over a set term.

Tap into home equity for flexible access to funds for renovations, debt consolidation, medical costs, unexpected expenses, vacations, and more.

Access personalized guidance and loan options for buying a home, refinancing, or using home equity to meet financial needs.

Choose a card to help pay down balances, earn cash back or rewards, or begin building credit history.

Manage accounts on the go, deposit checks by phone, send and receive money, and view personalized financial insights.

Helps middle-market businesses and specialized industries pursue financial and business goals with tailored financing, expert local guidance, and a broad range of banking services.

Get tailored financial guidance and coordinated expert support to manage complex wealth needs across personal, family, and business finances.

Helps businesses support employees with access to banking and financial services, from checking accounts to trust administration and mortgages.

Provides extended FDIC insurance coverage to help customers keep their accounts protected.

Manage business payments, receivables, cash visibility, and liquidity with solutions designed to meet treasury needs and help reduce costs.

Choose business checking tailored to your company’s stage and transaction needs, with digital banking tools and account features that support everyday access to funds.

Earn interest while keeping business funds accessible, or choose savings options with checking access or a locked-in rate.

Finance equipment upgrades and other business needs with up to $250,000, flexible rate options, and terms of up to five years.

Helps small businesses manage short-term cash needs, cover expenses, and purchase inventory during slower cash collections.

Access SBA-backed financing for business growth, working capital, acquisitions, equipment, and owner-occupied real estate with guidance from experienced bankers.

Access tailored, flexible financing that can increase borrowing capacity and support liquidity needs, growth, acquisitions, and business transitions.

Businesses can finance equipment through tailored loans or leases, access capital as needs arise, and preserve liquidity for strategic priorities.

Helps insurance organizations fund growth, manage financial needs, and access tailored guidance and services from dedicated insurance banking specialists.

Provides commercial real estate lending for businesses and specialized industries.

Receive personalized wealth guidance and coordinated financial solutions to help manage, preserve, and grow wealth and plan for the future.

Checking accounts

Wintrust Community Banks offer Total Access Checking, Access Plus Checking, and Premier Checking, with features and fees that vary by tier and location. Options include early paycheck access, nationwide ATM fee refunds, interest on select accounts, and waived or reimbursed fees on certain services. A $100 opening deposit is required. Monthly maintenance fees may be avoided by meeting applicable balance requirements.

• Choose An Account That Fits Your Needs
  Compare three personal checking options with different benefits and account requirements.
• Avoid Monthly Fees With Eligible Accounts
  Total Access has no monthly maintenance fee. Access Plus and Premier fees may be avoided by meeting their balance requirements.
• Receive Paychecks Up To Two Business Days Earlier
  Eligible direct deposits can be available up to two business days before payday.
• Get ATM Fees Refunded Nationwide
  Use ATMs nationwide with Total Access Checking and receive refunds for ATM fees.
• Avoid Overdraft Fees
  Total Access Checking does not charge overdraft fees.
• Earn Monthly Interest
  Access Plus and Premier Checking pay monthly interest at variable rates.
• Manage Accounts And Deposit Checks Digitally
  Use online banking or the mobile app to manage accounts and deposit checks. Zelle is available for eligible accounts.
• Protect Accounts With Security And Fraud Controls
  Security and fraud controls and education resources help customers protect their accounts.
• Earn A Bonus With Qualifying Account Activity
  Eligible new customers may qualify for a bonus by meeting requirements that include online banking and e-statement enrollment and qualifying direct deposits.
• Boost Statement Savings Advanced Interest
  Premier customers receive a 0.15% interest rate bonus on Statement Savings Advanced accounts.
• Save On Eligible Banking Fees
  Access Plus and Premier include specified fee waivers or reimbursements, with benefits varying by account tier.

Savings accounts and certificates of deposit

Wintrust offers personal savings accounts and certificates of deposit (CDs). The featured Statement Savings Advanced Special earns interest at a variable rate and includes digital access, with no minimum to open and a $200 daily balance required to avoid a $5 monthly maintenance fee. The featured 13-month CD Special offers a fixed rate and requires $1,000 to open. Both specials require new money, and the savings offer also requires qualifying activities. Products and pricing may vary by location.

• Earn Interest While Building Savings
  Earn interest over time while building funds for future needs.
• Lock In A Fixed Rate
  Select from a variety of CD terms and lock in a fixed rate for the chosen term.
• Earn Interest At A Variable Rate
  The account earns interest at a variable rate that may change over time.
• Open Without A Minimum Deposit
  Open the featured savings account without a minimum deposit and maintain a $200 daily balance to avoid its $5 monthly fee.
• Open A CD With $1,000
  A $1,000 deposit is required to open the featured 13-month CD Special.
• Access Savings Digitally
  Access the featured savings account digitally.
• Qualify With New Money
  Both featured specials are limited to new money, with additional stated requirements for the savings special.

Home Equity Line of Credit

Wintrust’s Home Equity Line of Credit (HELOC) lets customers borrow against home equity for a range of purposes. Customers can access funds as needed and pay down their credit line during a 10-year draw period. The HELOC has variable rates, with fixed-rate options to lock in a rate on all or part of an existing balance up to two times at once.

• Access Funds As Needed
  Draw on home equity during the 10-year draw period and pay down the credit line.
• Lock In A Fixed Rate
  Choose a fixed rate on all or part of an existing balance, with the option available up to two times at once.
• Fund A Range Of Personal Needs
  Use funds to help cover renovations, debt consolidation, medical costs, unexpected expenses, vacations, and other needs.
• Access Variable-Rate Credit
  The HELOC has variable rates, with published APRs listed by credit line amount.
• Borrow At A Potentially Lower Rate
  Wintrust states that the HELOC can offer a lower interest rate than an unsecured loan.

Wintrust Mortgage Services

Wintrust Mortgage offers home purchase, refinancing, and home equity financing solutions. Mortgage experts help customers find a loan suited to their needs and navigate the process. Services include guidance on down payment options and prequalification, refinancing strategies, and access to home equity for expenses such as renovations, education costs, or emergency funds. Eligible Wintrust Community Bank and Wintrust Wealth Management customers may qualify for mortgage savings through the Relationship Pricing Program.

• Find A Loan For Homeownership
  Explore home purchase financing with guidance on down payment options and prequalification.
• Explore Ways To Adjust Your Mortgage
  Review refinancing options with specialists who consider existing debt and financial goals.
• Access Your Home's Built-Up Value
  Use home equity solutions for expenses such as renovations, education costs, or emergency funds.
• Get Guidance From Loan Experts
  Work with mortgage experts to explore loan options and navigate the process.
• Earn Potential Mortgage Savings
  Eligible customers may receive a closing cost credit or reduced rate based on eligible account balances.
• Estimate Mortgage And Home Costs
  Estimate an affordable home price, monthly payment, home equity, or possible refinancing savings.

Personal credit cards

Wintrust offers personal credit card options for customers who want to pay down balances faster, maximize cash back, earn rewards, or begin building credit history. The creditor and issuer is Elan Financial Services, pursuant to a license from Visa U.S.A., Inc.

• Pay Down Balances Faster
  Choose a card option suited to paying down balances faster.
• Maximize Cash Back
  Choose a card option suited to maximizing cash back.
• Begin Building Credit History
  Choose a card option suited to beginning to build credit history.
• Earn Rewards
  Choose a card option suited to earning rewards.

Online and mobile banking

Wintrust online banking and mobile app let customers manage accounts wherever they are. Services include mobile check deposit, Zelle transfers, and personalized financial insights with real-time information. Business customers can use i-BusinessBanking for account reporting, payments, transfers, and reconciliation. Mobile banking is required for remote deposit capture, and online or mobile banking is required to access Zelle.

• Manage Accounts Wherever You Are
  Access account management through online banking or the mobile app.
• Deposit Checks From Your Smartphone
  Deposit checks through the mobile app without going to a branch; deposit limits apply.
• Send And Receive Money
  Use Zelle through online or mobile banking to send and receive money, subject to eligibility and limits.
• Review Real-Time Account Information
  View business dashboard information and customizable account reports.
• Initiate Business Payments And Collections
  Originate ACH payments and collections, pay bills and loans, and initiate domestic and international U.S. dollar wires.
• View Real-Time Financial Insights
  Access personalized insights with real-time financial information.
• Reconcile Business Accounts
  Perform account reconciliation through the business banking application.
• Access Statements Online
  Access eligible statements online and enroll in e-statements where required.
• Download Quicken And QuickBooks Data
  Download Quicken and QuickBooks data through the business banking application.
• Send Secure Account Messages
  Send secure messages through the app about account-specific questions.

Wintrust Commercial Banking

Wintrust Commercial Banking provides middle-market businesses and specialized industries with industry expertise, custom financing, and lending, deposit, and specialty services. Dedicated local banking specialists offer tailored financial solutions and advice, with loan decisions made locally where loans are serviced. Offerings include commercial banking services, industry-specific lending, equipment financing, and specialty services.

• Get Solutions Tailored To Your Business
  Receive customized financial solutions shaped around specific business needs.
• Keep Loan Decisions Local
  Connect local lending decisions with the banking team servicing the loan.
• Apply Industry-Specific Expertise
  Work with a team that understands the business’s industry and can help develop solutions.
• Find Lending For Specialized Needs
  Explore lending for a broad range of industries and financing needs, including commercial real estate, equipment, asset-based lending, and specialized sectors.
• Work With A Dedicated Local Banker
  Receive advice and financial guidance from dedicated local banking specialists.
• Access Commercial Banking Services
  Access a range of commercial services, including treasury management, private client services, and Wintrust@Work.
• Access Specialized Financial Services
  Access specialty services for needs such as capital markets, employee ownership plans, tax-deferred exchanges, and interest rate swaps.

Wintrust Private Client

Wintrust Private Client provides personalized financial solutions for individuals, families, and business owners, including those with complex wealth needs. A team of private bankers, fiduciary advisors, strategists, planners, trust officers, and financial specialists offers coordinated guidance across investments, tax relief, liquidity, credit management, and trust and estate planning. Clients receive a single point of contact, discreet service, and solutions tailored to their financial picture. The service offers capabilities without hard minimums or pressure to use proprietary products.

• Tailor Financial Solutions To Your Needs
  Receive financial solutions shaped around specific needs and financial circumstances.
• Coordinate Guidance Across Wealth Needs
  Work with a team providing guidance across investments, tax relief, liquidity, credit management, and trust and estate planning.
• Receive Discreet, Personal Attention
  Get personalized attention delivered with discretion and a long-term perspective.
• Choose Solutions Without Hard Minimums
  Access tailored solutions without hard minimums or pressure to use proprietary products.
• Simplify Communication With One Contact
  Use one point of contact while drawing on a team of professionals.
• Coordinate Business And Personal Finances
  Receive coordinated support across business and personal financial matters.
• Combine Expertise With Flexible Service
  Draw on investment management and planning expertise alongside personalized, flexible service.

Wintrust@Work

Wintrust@Work is a workplace banking program that provides businesses’ employees with financial solutions. Offerings include checking accounts, complex trust administration, mortgages, MaxSafe extended FDIC coverage, treasury management, and deposit solutions. A Wintrust banker can explain the program and help determine what may suit a business.

• Extend FDIC Insurance Coverage
  MaxSafe offers an extended level of FDIC insurance coverage for accounts.
• Access Checking Account Services
  Access checking accounts through the workplace banking program.
• Explore Home Mortgage Options
  Explore mortgage options for a new home through the program.
• Access Trust Administration
  Access trust administration, including complex trust services.
• Support Business Treasury Management
  Explore treasury management services and products for business needs.
• Store Funds Securely
  Use deposit solutions to store money and keep it accessible when needed.

MaxSafe

MaxSafe is a Wintrust program designed to provide extended FDIC insurance coverage for accounts. Wintrust describes it as offering an extended level of coverage to help keep accounts safe and secure.

• Extend FDIC Coverage
  Receive extended FDIC insurance coverage for accounts.

Treasury Management

Wintrust Treasury Management offers payment and receivables solutions, including retail and wholesale lockbox services, i-BusinessBanking, remote deposit capture, and a MaxSafe Treasury Management account. Services include online banking, receivables, payables, fraud prevention, information reporting, and liquidity solutions.

• Manage Treasury Activity Online
  Use a web-based application to view dashboard information and manage business banking activities.
• Access Receivables With Speed
  Use lockbox services and remote deposit capture to manage receivables and access funds.
• Initiate Business Payments And Wires
  Originate ACH payments and collections and initiate domestic and international U.S. dollar wires.
• Streamline And Automate Payables
  Choose options to streamline paper-based payables or automate operations.
• Protect Business Payment Processes
  Access tools intended to help protect business payment processes.
• Customize Account Reporting
  Access account information and customizable reporting through i-BusinessBanking.
• Optimize Returns While Retaining Cash Control
  Use sweep solutions designed to balance returns and cash control.
• Initiate Bill And Loan Payments
  Initiate bill and loan payments through i-BusinessBanking.
• Access A MaxSafe Treasury Account
  Include a MaxSafe Treasury Management account in the available suite.
• Access Additional Payment Services
  Access real-time payments and merchant processing services.
• Reconcile Accounts And Download Data
  Reconcile accounts and download Quicken and QuickBooks data through i-BusinessBanking.

Business checking accounts

Wintrust offers Entrepreneur Checking for businesses just starting out, Business Community Checking for established businesses, and Have-It-All Business Checking for larger enterprises with higher transaction needs. Each account includes business online banking, online statements, mobile banking with mobile remote deposit capture, and no minimum opening deposit. Features vary by account, including monthly transaction allowances, balance requirements for avoiding maintenance fees, and user access levels. Eligible new Entrepreneur Checking customers may qualify for a bonus subject to requirements.

• Start Banking With No Monthly Maintenance Fee
  New businesses can access 150 free monthly transactions, digital banking, and mobile remote deposit capture without a monthly maintenance fee or minimum opening deposit.
• Manage Business Banking For Multiple Users
  Access 250 free monthly transactions and a business banking profile with specified user access. Maintain the required balance to waive the monthly fee.
• Handle Up To 400 Free Monthly Transactions
  Access 400 free monthly transactions and multi-user business banking. Maintain the required balance to avoid the monthly fee.
• Get Guidance From A Dedicated Business Banker
  Work with a dedicated banker to find suitable products and services.
• Access Accounts And Deposit Checks Digitally
  Use business banking tools to access accounts, view online statements, and deposit remotely.
• Open An Account With No Minimum Deposit
  Open any of the three listed business checking accounts without a minimum deposit.

Business Savings Accounts

Wintrust’s business savings solutions help businesses keep funds secure and accessible. Savings accounts earn interest with quick access to money. Money market accounts add checking capabilities and ATM access, while certificates of deposit let businesses lock in an interest rate for an extended period.

• Earn Interest And Access Funds Quickly
  Earn interest on business savings while keeping funds accessible.
• Keep Funds Secure And Accessible
  Keep business funds secure and accessible when needed.
• Access Funds Through Checks And ATMs
  Reach money market funds through checking capabilities and ATMs.
• Lock In An Interest Rate
  Lock in an interest rate for an extended period.

Easy Access Term Loan

A small business term loan offering longer-term financing for equipment upgrades, replacements, additions, and other needs. Borrow up to $250,000 with fixed or variable rate options and terms of up to five years.

Category: Business Loans

• Finance Equipment Upgrades And Additions
  Use term-loan financing for equipment and other business needs.
• Borrow Up To $250,000
  Access up to $250,000 for eligible business financing needs.
• Choose Fixed Or Variable Rates
  Select a fixed or variable rate option.
• Choose Terms Up To Five Years
  Use a term of up to five years for longer-term financing.

Easy Access Line of Credit

A small business line of credit offering up to $250,000 for short-term cash needs. It can help cover expenses or purchase inventory when cash collections are slower. The line has a variable rate and is annually renewable.

• Cover Short-Term Business Expenses
  Help cover business expenses when cash collections are slower.
• Access Up To $250,000
  Access up to $250,000 for short-term business financing needs.
• Finance Inventory Purchases
  Use credit to help purchase inventory when cash collections are slower.
• Renew Variable-Rate Credit Annually
  Use a variable-rate credit line that is renewable annually.

SBA loans

Wintrust offers SBA Express, SBA 7(a), SBA 7(a) Working Capital Pilot Program, and SBA 504 financing for eligible businesses. Loan options can support business expansion, acquisitions, cash flow, working capital, equipment, and owner-occupied real estate. Experienced bankers guide businesses through the lending process. Loans are subject to Wintrust and SBA underwriting guidelines and applicable procedures.

Category: Business Loans

• Fund Growth And Acquisitions
  Use SBA 7(a) financing for expansion, acquisitions, partner buyouts, or cash flow improvement.
• Access Up To $500,000
  Choose an SBA Express loan of up to $500,000 for eligible business needs.
• Finance Receivables And Inventory
  Finance accounts receivable and inventory, paying interest only on funds used.
• Finance Equipment And Real Estate
  Finance equipment and owner-occupied real estate, with down payments as low as 10%.
• Get Guidance From Experienced Bankers
  Work with bankers to identify a lending option and navigate the application process.
• Keep Your Loan With Wintrust
  Wintrust states that it does not sell loans on the secondary market.
• Review Eligibility And Loan Requirements
  Applications are subject to eligibility, underwriting guidelines, and applicable fees and costs.

Asset-Based Lending

Wintrust Business Credit provides middle-market companies with financing tailored to their current situation and long-term goals. Options include revolving lines of credit secured by accounts receivable and inventory, and term loans secured by equipment and real estate. Facilities can support growth, acquisitions, recapitalizations, restructuring, turnaround situations, seasonal or cyclical needs, and high cash flow leverage.

• Access Revolving Credit
  Use accounts receivable and inventory to secure revolving credit.
• Increase Available Borrowing Capacity
  Higher advance rates on receivables and inventory can increase borrowing capacity.
• Structure Financing With Flexibility
  Choose financing structures designed to provide flexibility with minimal financial covenants.
• Tailor Financing To Your Goals
  Structure financing around the company’s circumstances and long-term goals.
• Finance Needs With Secured Loans
  Secure term financing with equipment or real estate.
• Support Business Financing Needs
  Access financing for growth, acquisitions, business transitions, seasonal needs, and other situations.

Equipment loans and leasing

Wintrust offers equipment financing through loans and leases. Its equipment finance team reviews business plans, project scope, equipment requirements, and financing needs to recommend a structure. Options may include purchasing or leasing equipment, an approval spanning 12 months, or a flexible draw period for equipment acquired over time. Wintrust highlights local decision-making and asset expertise.

• Choose A Loan Or Lease
  Consider a loan or lease based on equipment requirements and financing plans.
• Match Financing To Your Project
  Shape financing around the project and equipment requirements.
• Use One Approval For 12 Months
  Use an approval spanning 12 months to reduce repeated paperwork and approval steps.
• Draw Capital As Needs Arise
  Access equipment funding over time as needs emerge without repeating approval cycles.
• Preserve Liquidity For Priorities
  Retain liquidity for strategic initiatives while financing equipment.
• Work With Local Asset Experts
  Get local decision-making and equipment financing expertise.

Insurance Banking

Wintrust Insurance Banking provides specialized financial solutions for independent insurance agencies, specialty brokerages, managing general agents and underwriters, captives and captive managers, state FAIR plans, insurance carriers, and reinsurance carriers. Dedicated specialists offer industry knowledge and consultative guidance tailored to each organization. Solutions include agency financing, treasury management, depository services, and insurance premium financing through FIRST Insurance Funding, alongside additional lending, wealth, trust, investment, and employee ownership services. FIRST has more than 30 years of premium financing experience and FIRST Canada offers property and casualty premium financing and payment solutions in Canada.

• Apply Insurance Industry Expertise
  Work with specialists who understand insurance organizations and their sector-specific needs.
• Get Guidance Tailored To Your Needs
  Receive guidance and financial solutions shaped around your organization’s needs.
• Finance Insurance Premiums
  Access flexible premium financing informed by agency needs, including Canadian property and casualty financing through FIRST Canada.
• Finance Agency Needs And Transitions
  Access financing for agency operations, growth, ownership transitions, acquisitions, and other stated financing needs.
• Manage Treasury And Depository Needs
  Access treasury management and depository services alongside insurance-focused financing.
• Access Additional Financial Services
  Connect with additional wealth, trust, investment, employee ownership, and financial services.

Commercial real estate lending

Wintrust provides commercial real estate lending for businesses and specialized industries and lists it among its lending solutions for middle-market businesses.

Wintrust Wealth Management

Wintrust Wealth Management provides financial solutions tailored to clients’ needs, including asset management, investment and insurance options, and trust and estate services. Its private client offering brings together fiduciary advisors, strategists, private bankers, planners, trust officers, and financial specialists to guide clients through investment, tax, liquidity, credit, and estate planning matters. Clients receive coordinated support and personalized solutions, without hard minimums or pressure to use proprietary products.

• Get Solutions Tailored To Your Needs
  Receive financial solutions designed around individual, family, or business needs.
• Coordinate Guidance Through One Team
  Work with a team combining financial expertise, with one contact and coordinated business and personal support for business owners.
• Plan Your Financial And Estate Matters
  Get guidance on financial planning, trusts, and estate matters.
• Manage Your Investments
  Access investment management and guidance as part of wealth services. Investment products may lose value and are not bank guaranteed or FDIC-insured.
• Get Guidance Across Financial Priorities
  Receive consultation on investments, tax relief, liquidity, and credit management.
• Choose Flexible, Tailored Solutions
  Access solutions designed around your financial picture without hard minimums or pressure to use proprietary products.