Wintrust Bank Bonuses: $200, $300 Checking, Savings, Business Offers (IL, FL, IN, MI, WI)

Find the latest Wintrust Community Bank bonuses, promotions, and offers here.

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.

Wintrust Community Bank Bonuses Review

Wintrust Bank is part of the 150+ affiliated Wintrust Bank locations. Established in 1994 and headquartered in Chicago, Illinois, Wintrust Bank has around 30 locations in Illinois.

I’ll go over all Wintrust Community Bank Bonuses below.

Wintrust Community Bank $300 Checking Bonus

Wintrust Community Bank is offering a $300 bonus when you open a qualifying checking account.

• Direct Link: Alternative links for this promotion include:
  • Total Access Checking
  • White Sox Checking
  • Cubs Checking
  • Northwestern Wildcats Checking
• What you’ll get: $300 Bonus
• Eligible account: Checking
• Where it’s available: IL, FL, IN, MI, WI
• Credit Inquiry: Soft Pull
• Direct Deposit Required: Yes
• Monthly Fee: None
• How to earn it:
  • Open a new qualifying checking account
  • 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
  • Enroll in online banking and activate e-statements within the Qualification Period

(Offer expires 07/31/2025)

Fine Print

• 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 Community Bank $300 Business Checking Bonus

• What you’ll get: $300 Bonus
• Eligible account: Business Community Checking
• Where it’s available: IL, FL, IN, MI, WI
• Credit Inquiry: Soft Pull
• Direct Deposit Required: No
• Monthly Fee: $15-$25
• How to earn it:
  • 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.

(Offer Expires 11/05/2025)

Fine Print

• 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 Community Bank $500 Checking Savings Bonus (Expired)

Wintrust Community Bank is offering a $500 bonus when you open a qualifying checking account.

• Direct Links:
  • IL $300 Checking + $200 Savings
  • FL $300 Checking + $200 Savings
  • IN $300 Checking + $200 Savings
  • WI $300 Checking + $200 Savings
• Eligible account: Total Access Checking Account
• Where it’s available: IL, FL, IN, MI, WI (Bank Locator)
• Credit Inquiry: Soft Pull
• Direct Deposit Required: Yes
• Monthly Fee: None
• How to earn it:
  • $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

(Offer expires 07/31/2025)

Fine Print

• 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 Avoid 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

Conclusion

Lastly, if you are currently looking to earn bonuses, be sure to head on over to Wintrust Community Bank to learn more about the current bonuses. Additionally, you will be able to take advantage of all the great account features that come with your new experience. However,  don’t forget, the bonuses will be reported on IRS Form 1099-INT.

Additionally, this bonus from Wintrust Community Bank is super simple to earn and I recommend taking advantage of this offer before it expires. However, Wintrust Community Bank rates aren’t that great, so check our best rates Savings, Money Market, and CD accounts.

• Best Savings/Money Market rates
• Best CD Account rates

Furthermore, if you’re not local to any of the States above, use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.

Furthermore, definitely check back at this review for more Wintrust Community Bank bonuses, promotions, and offers!