Here you will find Wintrust Bank promotions, bonuses, and offers.
Update 6/20/25: There is now a $300 business checking bonus valid through 11/5/25 and the $300 checking bonuses have been extended through 7/31/25. Available in IL, FL, IN, MI, WI.
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 $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, MI, 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 ($400 cash bonus*) | BMO Smart Advantage Checking ($400 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) |
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 $300 Business Checking Bonus
Wintrust Bank is offering you a chance to earn a $300 Bonus when you open a new Business Community Checking account and complete the requirements.
- What you’ll get: $300 Business Checking Bonus
- Account Type: Business Community Checking account
- Availability: IL, FL, IN, MI, 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 11/05/2025)
| 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
- To qualify, open a new Entrepreneur Checking account, enroll in business online banking & e-statements, deposit & maintain $1,500 or more, & complete 5 qualifying transactions within the Qualification Period.
- For eligible customers, bonus is deposited into the new account within 30 calendar days after the Qualification Period.
- Entrepreneur Checking Bonus Information. Offer valid for accounts opened 2/1/24 – 11/5/25. Offer not available to existing or closed business checking account customers of WTFC & its subsidiaries or employees and Macatawa Bank locations, Political Action Committee, fiduciary, or campaign accounts. 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 business savings offer. Bonus payment subject to IRS 1099-INT reporting for sole proprietorships & single member LLCs, & may be considered income for tax purposes.
- Entrepreneur Checking Bonus Qualifications. (i) Open new Entrepreneur Checking account; (ii) mention offer during in-branch account opening; (iii) maintain at least $1,500 on each of the last business days for 2 consecutive calendar months after the calendar month the account was opened (‘Qualification Period’); (iv) complete 5 qualifying transactions (ACH debit, ACH credit, wire transfer, or debit card transactions) within the Qualification Period; & (v) enroll in business online banking & activate e-statements within the 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.
Wintrust Bank $500 Checking & Savings Bonus (Expired)
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, MI, 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 ($400 cash bonus*) | BMO Smart Advantage Checking ($400 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) |
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.
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