Continue reading this post to learn more about Crystal Lake Bank & Trust promotions, bonuses, and offers.
Update 10/25/26: The $300 or $500 checking bonus offer has been extended through 11/9/27.
About Crystal Lake Bank & Trust Promotions
In 1991, this bank was founded by Ed Wehmer with their first location in a northern Chicago suburb and their plan was simple: to provide an alternative to the big banks. 175 locations later, they still hold true to that goal.
I’ll review the current offer below.
Crystal Lake Bank & Trust $500 Checking Bonus
Currently, Crystal Lake Bank & Trust is offering up to a $500 checking bonus when they open a new checking account.
- What you’ll get: $300 or $500 Bonus
- Account Type: Total Access Checking, White Sox Checking, Cubs Checking
- Availability: IL
- Direct Deposit Requirement: Yes (see what works)
- Credit Inquiry: Unknown
- ChexSystems: Unknown
- Credit Card Funding: Unknown
- Monthly Fees: None
- Early Account Termination Fee: None listed
- Household Limit: One
(Expires 11/09/2027)
| Chase Total Checking® ($400 bonus), | Chase Secure BankingSM ($175 bonus), |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($425 bonus) |
| Bank of America ($100 bonus offer) | U.S. Bank Smartly® Checking ($450 bonus) |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Open a New Total Access Checking Account.
- Earn $300 bonus:
- Open a new account
- Enroll in online banking & e-statements
- Have $500+ in direct deposits each month of the Qualification Period OR
- Earn $500 bonus:
- Open a new account
- Enroll in online banking & e-statements
- Have $2,000+ in direct deposits each month of the Qualification Period
- For eligible customers, bonus is deposited into the new account within 30 calendar days after the Qualification Period.
- General Bonus Information. Offer valid for eligible accounts opened 5/13/26 – 11/9/27. Offer not available to existing or closed personal checking account customers of Wintrust Financial Corporation & its subsidiaries; and Wintrust Financial Corporation employees. Customers who have (or had) a personal checking account with Wintrust Financial Corporation that was opened before the new account are not eligible for the offer. In addition, if you are later (prior to us paying the bonus) added as an owner to a personal checking account with Wintrust Financial Corporation and that account was opened prior to the new account, you will become ineligible for the offer. Limit 1 bonus payment per customer. Offer combinable with any Wintrust Financial Corporation savings offer. Bonus payment subject to IRS 1099-INT reporting & may be considered income for tax purposes.
- Bonus Builder Qualifications. To qualify for a $300 bonus payment, you must (i) Mention offer during in-branch account opening, visit URL provided, or enter Builder when applying online; (ii) have direct deposits totaling at least $500 or more to your new account each month for the 2 consecutive calendar months after the calendar month your new account was opened (‘Qualification Period’); & (iii) enroll in online banking & e-statements within the Qualification Period.
Or to qualify for a $500 bonus payment, you must (i) Mention offer during in-branch account opening, visit URL provided, or enter Builder when applying online; (ii) have direct deposits totaling at least $2,000 or more to your new account each month for the 2 consecutive calendar months after the calendar month your new account was opened (‘Qualification Period’); & (iii) enroll in online banking & e-statements within the Qualification Period. Your account opening date is the business day that we open your account. If your account is opened on a non-business day (weekends and federal holidays), your account opening date is the next business day. Direct deposit is a payment made by a government agency, employer, or other third-party organization via electronic deposit, but does not include teller/ATM/mobile or remote deposits, wire transfers, digital banking/telephone transfers between accounts at Wintrust Financial Corporation, external transfers from accounts at other financial institutions, peer-to-peer network payments like Zelle® or Venmo, or debit card transfers & deposits. New account must be open & have a balance greater than $0 at the end of the Qualification Period to receive bonus payment. Balance determined as of end of each business day as funds currently in the account including deposits & withdrawals made in the business day. For eligible customers, bonus is deposited into the new account within 30 calendar days after the Qualification Period. A listing of Wintrust Financial Corporation locations can be found here: wintrust.com/locations.
Crystal Lake Bank & Trust $500 Checking & Savings Bonus (Expired)
Crystal Lake Bank & Trust $500 Checking & Savings Bonus
Currently, Crystal Lake Bank & Trust is offering a $500 Total Access Checking Bonus when you open a new checking and savings account and meet the eligible requirements.
- What you’ll get: $500 bonus
- Account Type: Checking & Savings Bonus
- Availability: IL (Bank Locator)
- Direct Deposit Requirement: Yes (see what works)
- Credit Inquiry: Unknown
- ChexSystems: Unknown
- Credit Card Funding: Unknown
- Monthly Fees: None
- Early Account Termination Fee: None listed
- Household Limit: One
(Expires 07/31/2025)
| Bank of America (Up to $500 bonus offer) | KeyBank Checking ($300 bonus) |
| HSBC Premier Checking (Up to $3,000 Cash Bonus), | Chase Private Client ($3,000 Bonus) |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Earn up to $500 bonus:
- Open a new Total Access Checking account now and get a $300 bonus when you
- Enroll in online banking
- Activate e-statements through bank’s website
- Have at least monthly occurring direct deposits totaling $500 or more each month for the qualification period
- Open a Statement Savings account and get a $200 bonus when you
- Deposit $15,000 of new money
- Maintain a minimum balance of at least $15,000 on the last business day of each of the 3 consecutive calendar months following the calendar month your new account is opened
- Open a new Total Access Checking account now and get a $300 bonus when you
- General Bonus Information. Offers valid for accounts opened 2/1/24 — 7/31/25. Offers not available to existing or closed checking/savings account customers of Wintrust Financial Corporation (‘WTFC’) & its subsidiaries or employees. Limit 1 bonus payment per customer, regardless of number of accounts opened; may only be received from 1 WTFC location. Total Access Checking offer combinable with any WTFC savings offer; Statement Savings offer combinable with any WTFC checking offer. Bonus payment subject to IRS 1099-INT reporting & may be considered income for tax purposes.
- Total Access Checking Bonus Qualifications. (i) Open new Total Access Checking account; (ii) mention offer during in-branch account opening, visit URL provided, or enter Echecking300 when applying online; (iii) have direct deposits totaling at least $500 per month made to the new account for 2 consecutive calendar months after the calendar month the new account was opened (‘Qualification Period’); & (iv) enroll in online banking & e-statements within the Qualification Period. Direct deposit is a payment made by a government agency, employer, or other third-party organization via electronic deposit, but does not include teller/ATM/mobile or remote deposits, wire transfers, digital banking/telephone transfers between accounts at WTFC, external transfers from accounts at other financial institutions, peer-to-peer network payments like Zelle® or Venmo, or debit card transfers & deposits. New account must be open & have a balance greater than $0 to receive bonus payment. Balance determined as of end of each business day as funds currently in the account including deposits & withdrawals made in the business day. For eligible customers, bonus is deposited into the new account within 30 calendar days after the Qualification Period. A listing of WTFC locations can be found here: wintrust.com/locations.
- Statement Savings Bonus Qualifications. (i) Open new Statement Savings account; (ii) mention offer during in-branch account opening, visit URL provided, or enter Esavings200 when applying online; (iii) deposit $15,000 or more of new money (defined as money not currently held at any WTFC location); & (iv) maintain minimum balance of at least $15,000 on the last business day of each of the 3 consecutive calendar months following the calendar month the new account is opened (‘Qualification Period’). New account must be open & have a balance greater than $0 to receive bonus payment. Balance determined as of end of each business day as funds currently in the account including deposits & withdrawals made in the business day. For eligible customers, bonus is deposited into the new account within 30 calendar days after the Qualification Period. A listing of WTFC locations can be found here: wintrust.com/locations.
How to Waive Monthly Fees
- Total Access Checking: No monthly fees for this account
- Access Plus Checking: $10.00 monthly can be waived with $1,000 minimum daily balance or $2,500 average daily balance for the statement cycle.
- Premier Checking: $25.00 monthly can be waived with $10,000 average daily balance or $75,000 combined average relationship balance for the statement cycle.
- Cubs Checking: No monthly fees for this account
- White Sox Checking: No monthly fees for this account
- Student Checking: No monthly fees for this account
- Platinum Preferred Checking: $10.00 monthly can be waived with $1,000 minimum daily balance
- Money Smart Checking: No monthly fees for this account
- Entrepreneur Checking: $15.00 monthly when 75 transactions complete the $1,5000 minimum average collected balance
- Business Community Checking: $15.00 monthly if the $5,000 minimum average balance is not maintained
- Have-It-All Business Checking: $25.00 monthly if the $20,000 minimum average balance is not maintained
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Bottom Line
Make sure you check out Crystal Lake Bank & Trust to learn more about the bonus promotion. Your feedback makes this site better, so let us know if you have any experiences with this bank or if you know whether this is a hard or soft pull!
You may want to check out our full list of Bank Rates and CD Rates.
*Compare Crystal Lake Bank & Trust Promotions with other bank bonuses from banks like Citi, Huntington, HSBC, Chase, TD, Discover Bank, Aspiration, Axos Bank, PNC Bank, BMO, SoFi, Fifth Third Bank, Bank of America, Wells Fargo, US Bank, and more!*
*Check back at this page for updated Crystal Lake Bank & Trust promotions, bonuses and offers.
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