Here you will find Wintrust Bank promotions, bonuses, and offers.
Update 2/11/25: The $300 or $500 checking bonuses have been extended through 7/31/25.
About Wintrust Bank Promotions
Wintrust Bank is part of the 150+ affiliated Wintrust Bank locations. Established in 1994 and headquartered in Chicago, Illinois, they have around 30 locations in Illinois.
I’ll review the Wintrust Bank Promotions below.
Wintrust Bank $500 Checking & Savings Bonus
Earn up to $500 when you open new accounts!
Wintrust Bank is offering up to $500 bonus when you open a new checking and savings account and meet the eligible requirements.
- What you’ll get: $500 bonus
- Account Type: Total Access Checking Account & Statement Savings
- IL $300 Checking + $200 Savings – Wintrust
- FL $300 Checking + $200 Savings – Wintrust Florida
- Availability: IL, FL, IN, WI (Bank Locator)
- Direct Deposit Requirement: Yes, $500+ (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Yes
- Credit Card Funding: None
- Monthly Fees: None
- Early Account Termination Fee: None
- Household Limit: 1
(Expires 07/31/2025)
Editor’s Note: North Shore Community Bank(a branch of Wintrust Bank) also has the same $500 bonus.
| BMO Smart Money Checking ($350 cash bonus) | BMO Smart Advantage Checking ($350 cash bonus) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| First Tech Rewards Checking ($300 bonus) | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- $300 Bonus:
- Enroll in online banking
- Activate eStatements
- 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
- $200 Bonus:
- Open a new Statement Savings account
- Tell them you are aware of this Statement Savings account bonus offer at account opening
- Deposit $15,000.00 or more of new money, defined as money not held at any WTFC location
- 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
- 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.
Wintrust Bank $300 Checking Bonus
Earn a $300 Checking bonus from Wintrust Bank.
Wintrust Bank is offering a $300 bonus when you open a new qualifying checking account.
- What you’ll get: $300 bonus
- Direct Link: Alternative links for this promotion include:
- Account Type: Total Access Checking Account
- Availability: IL, FL, IN, WI
- Direct Deposit Requirement: Yes, $500+ (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Yes
- Credit Card Funding: None
- Monthly Fees: None
- Early Account Termination Fee: None
- Household Limit: 1
(Expires 07/31/2025)
| BMO Smart Money Checking ($350 cash bonus) | BMO Smart Advantage Checking ($350 cash bonus) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| First Tech Rewards Checking ($300 bonus) | |
Additionally, Town Bank, Hyde Park Bank, North Shore Community Bank which also operates under Wintrust Community Banks are offering the same promotions.
How To Earn Bonus
EARN THE BONUSFINE PRINT
- Open a new Total Access Checking account
- Have monthly occurring direct deposits totaling $500.00 each month made to your new account for 2 consecutive calendar months after the calendar month your new account was opened
- Enroll in online banking and active e-statements within the Qualification Period.
- Total Access Checking Bonus Information. Offer valid for accounts opened 2/1/24 – 7/31/25. Offer not available to existing or closed checking 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. Offer combinable with any WTFC savings 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. 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 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.
Wintrust Bank $500 Business Checking Bonus
Wintrust Bank is offering you a chance to earn a $300 or $500 Bonus when you open a new Business Community Checking account and complete the requirements.
- What you’ll get: $300 or $500 Business Checking Bonus
- Account Type: Business Community Checking account
- Availability: IL, FL, IN, WI
- Direct Deposit Requirement: No
- Credit Inquiry: Soft Pull
- ChexSystem: Yes
- Credit Card Funding: None
- Monthly Fees: None
- Early Account Termination Fee: None
- Household Limit: 1
(Expires 01/29/2025)
| Chase Business Checking ($300 or $500 Bonus) | Bank of America Business Checking ($200 bonus offer) |
| Axos Business Premium Savings ($375 Bonus) | Axos Bank Basic Business Checking ($400 Bonus) |
| Axos Bank Business Interest Checking ($400 Bonus) | Huntington Unlimited Plus Business Checking ($1,000 Bonus) |
| Huntington Unlimited Business Checking ($400 Bonus) | Bluevine Business Checking ($300 Bonus) |
| U.S. Bank Business Checking ( $500 or $900 Bonus) | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Entrepreneur Checking $300 Bonus Qualifications.
- Open a new Entrepreneur Checking account.
- Mention this offer during in-branch account opening;
- Maintain a minimum balance of at least $1,500.00 on each day of the last business day of the two (2) consecutive calendar months following the calendar month the account was opened (“Qualification Period”);
- Complete five (5) qualifying transactions, defined as ACH debit, ACH credit, wire transfer and debit card transactions, within the Qualification Period; and
- Enroll in business online banking and activate e-statements within the Qualification Period.
- After you have completed all the above bonus qualifications, we will deposit the $300.00 bonus payment to your new Entrepreneur Checking account within thirty (30) calendar days after the Qualification Period.
- Business Community Checking $500 Bonus Qualifications.
- Open a new Business Community Checking account;
- Mention this offer during in-branch account opening;
- Maintain a minimum balance of at least $5,000.00 on each day of the last business day of the 2 consecutive calendar months after the calendar month your new account was opened (‘Qualification Period’);
- Complete 10 qualifying transactions, defined as ACH debit, ACH credit, wire transfer and debit card transactions, within the Qualification Period; and
- Enroll in business online banking and activate e-statements within the Qualification Period.
- 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.
- Entrepreneur Checking Bonus Information. This Entrepreneur Checking account bonus offer is valid for new Entrepreneur Checking accounts opened during the Promotional Period February 1, 2024 through January 29, 2025 that meet the bonus qualifications set forth below. This Entrepreneur Checking account bonus offer is not available to existing or closed checking account customers of Wintrust Financial Corporation and its subsidiaries (“WTFC”) or its active employees. Limit one bonus payment per customer, regardless of the number of accounts opened. If you qualify for this Entrepreneur Checking account bonus payment, you are ineligible to receive this Entrepreneur Checking account bonus payment from any other WTFC location. If you qualify for any other WTFC savings offer it may be combined with this Entrepreneur 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. If you are a sole proprietorship or a single member LLC, the $300.00 bonus 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.
- Business Community Checking Bonus Information. This Business Community Checking account bonus offer is valid for new accounts opened February 1, 2024 through January 29, 2025. This Business Community Checking account bonus offer is not available to existing or closed checking account customers of 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 Business Community Checking account bonus offer, you are ineligible to receive this Business Community Checking account bonus offer from any other WTFC location. If you qualify for any other WTFC savings offer it may be combined with this Business Community 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. If your business is a sole proprietorship or a single member LLC, the $500.00 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.
Wintrust Bank $300 Business Checking Bonus (Expired)
Wintrust Bank is offering business owners a chance to earn a $300 bonus when you open a new business checking account and complete the requirements.
- What you’ll get: $300 bonus
- Account Type: Entrepreneur Checking
- Availability: IL, FL, IN, WI
- Direct Deposit Requirement: No
- Credit Inquiry: Soft Pull
- ChexSystem: Yes
- Credit Card Funding: None
- Monthly Fees: None
- Early Account Termination Fee: None
- Household Limit: 1
Editor’s Note: This is an alternate link to apply for the offer.
(Expires 06/30/2023)
| Chase Business Checking ($300 or $500 Bonus) | Bank of America Business Checking ($200 bonus offer) |
| Axos Business Premium Savings ($375 Bonus) | Axos Bank Basic Business Checking ($400 Bonus) |
| Axos Bank Business Interest Checking ($400 Bonus) | Huntington Unlimited Plus Business Checking ($1,000 Bonus) |
| Huntington Unlimited Business Checking ($400 Bonus) | Bluevine Business Checking ($300 Bonus) |
| U.S. Bank Business Checking ( $500 or $900 Bonus) | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Open a new Entrepreneur Checking account and mention that you are aware of this Entrepreneur Checking account bonus offer at account opening;
- Maintain a minimum balance of at least $1,500.00 on each day of the last business day of the two (2) consecutive calendar months following the calendar month the account was opened (“Qualification Period”);
- Ccomplete five (5) qualifying transactions, defined as ACH debit, ACH credit, wire transfer and debit card transactions, within the Qualification Period; and
- Enroll in business online banking and activate e-statements within the Qualification Period.
- After you have completed all the above bonus qualifications, we will deposit the $300.00 bonus payment to your new Entrepreneur Checking account within thirty (30) calendar days after the Qualification Period
- Accounts are governed by the Deposit Account Agreement provided to you at account opening.
- This Entrepreneur Checking Account Bonus Offer Addendum shall be considered a part of your Deposit Account Agreement.
- This Entrepreneur Checking account bonus offer is not available to existing or closed checking account customers of Wintrust Financial Corporation and its subsidiaries (“WTFC”) or its active employees.
- Limit one bonus payment per customer, regardless of the number of accounts opened.
- If you qualify for this Entrepreneur Checking account bonus payment, you are ineligible to receive this Entrepreneur Checking account bonus payment from any other WTFC location.
- If you qualify for any other WTFC savings offer it may be combined with this Entrepreneur 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.
- If you are a sole proprietorship or a single member LLC, the $300.00 bonus 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.
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
Lastly, the bonuses at Wintrust Bank offer a wide variety of account features to help you in any situation. Furthermore, the bonuses are great because they have soft pull, so this won’t affect your credit score. Additionally, they also offer mobile banking so your money is available at any time with the click of a button.
However, while they have several generous bonuses, Wintrust Bank doesn’t have great rates for CDs and Savings. Furthermore, you may want to check out our full list of Bank Rates and CD Rates.
Compare Wintrust Bank 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 Wintrust Bank promotions, bonuses and offers.
Same with me, no bonus in Florida.
This bank is ridiculous. they make you fill out all of your information only to tell you that they are not in your state. i live in florida.
i tried to open an account with WIntrust twice. I live in FL. Both times, got response that they don’t offer this bonus in my state