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Wintrust Banking Center is a branch of Lake Forest Bank & Trust Company, N.A.

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1. ATM Fees. There is no Wintrust Financial Corporation (‘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.

2. Total Access Checking Bonus Information. This Total Access Checking account bonus offer is valid for new accounts opened January 1, 2022 through January 31, 2024. This Total Access 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 Total Access Checking account bonus offer, you are ineligible to receive this Total Access Checking account bonus offer from any other WTFC location. If you qualify for any other WTFC savings offer it may be combined with this Total Access 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. The $300.00 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.

3. Free Coin Counting. Free coin counting available for consumer households, business customers, and nonprofits. Fees may apply for non-customer businesses.

4. Total Access Checking Account Bonus Qualifications. (i) Open a new Total Access Checking account; (ii) mention this offer during in-branch account opening, visit the URL provided, or enter Echecking300 when applying online; (iii) 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 (‘Qualification Period’). For example, if you open your new account in January, you would need to have “Direct Deposits” made to your new account in February totaling $500.00 or more and in March totaling $500.00 or more; and (iv) enroll in online banking and activate e-statements within the Qualification Period. A direct deposit is defined as any payment made by a government agency, employer, or other third-party organization that is made via an electronic deposit. A direct deposit does not include teller/ATM/mobile or remote deposits, wire transfers, online banking/telephone transfers between accounts at WTFC, external transfers from other accounts at other financial institutions, or debit card transfers and deposits. 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. A listing of WTFC locations can be found here: wintrust.com/locations.