You can earn a $500 Checking & Savings Bonus when you open any personal Checking and savings account with St. Charles Bank & Trust.

To qualify for the bonus, simply

Open a Total Access Checking Account
- $100 required to open
- Enroll in online banking
- Activate e-statements through the bank website
- Have at least monthly occurring direct deposits totaling $500 or more each month for the qualification period
Open a Statement Savings Account
- No required minimum to open
- 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

Table of Contents

Account Type: Checking and Savings Account
Credit Inquiry: Soft Pull
ChexSystems: Unknown
Opening Deposit: None
Credit Card Funding: Unknown
Direct Deposit Requirement: No
Monthly Fee: $15 Monthly Fee. Can avoid with more than 75 transactions, requires $1,500 minimum balance.
Additional Requirements: See below
Household Limit: None
Closing Account Fee: If account is closed within 6 months from date of opening, early termination fee may apply

(Offer Expires December 31, 2022)

These Total Access Checking and Statement Savings account bonus offers are valid for new accounts opened January 1, 2022 through December 31, 2022. 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
There is no WTFC 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 for certain foreign transactions conducted outside the continental United States.