Data tokens on this page
Money Smart Checking®. No surprise fees and tools you can use—an account for everyone.
Money Smart Checking®. No surprise fees and tools you can use—an account for everyone.
SAVE MONEY WITH A BANK ON CERTIFIED ACCOUNT
SAVE MONEY WITH A BANK ON CERTIFIED ACCOUNT
- NO overdraft fees–we help you spend only what you have1
- NO maintenance fees
- MOBILE BANKING TOOLS2 to help you save
- KEEP YOUR MONEY SAFE with direct deposits
- Only $10 required to open
Bank On is a national movement, led by nonprofit organization the Cities for Financial Empowerment Fund (CFE Fund) which works so anyone can open a safe and affordable bank or credit union account.
The CFE Fund certifies bank and credit union accounts that meet the Bank On National Account Standards; accounts that meet the Standards have no overdraft fees, keep your money safe, and almost all cost $5 or less a month.
Bank On is a national movement, led by nonprofit organization the Cities for Financial Empowerment Fund (CFE Fund) which works so anyone can open a safe and affordable bank or credit union account.
The CFE Fund certifies bank and credit union accounts that meet the Bank On National Account Standards; accounts that meet the Standards have no overdraft fees, keep your money safe, and almost all cost $5 or less a month.
Only $10 required to open and no surprise fees
FREE debit card and FREE ATMs in network3
Only $10 required to open and no surprise fees
FREE debit card and FREE ATMs in network3
Keep your money safe with direct deposits
Keep your money safe with direct deposits
Mobile banking to manage and track spending
Mobile banking to manage and track
spending
Automatic tools you can use to start
saving4
Automatic tools you can use to start saving4
BUILT TO SUPPORT YOUR FINANCIAL JOURNEY
We can meet you where you are and help you get where you want to be. Money Smart Checking® is the account designed to help you manage and save money without worrying about overdraft fees or maintenance costs.
When you open a new Money Smart Checking® account, you don’t just get the benefits that come with it. You also get a relationship with a bank that cares about you, your needs, and this area. Join our family to see what community banking is all about.
1. Overdrafts. We decline or return transactions when you do not have enough money in your account to cover the charge. Some transactions could still cause a negative account balance, like when a transaction is approved for one amount but the actual charge is more. Example: if you add a tip for a meal after the transaction was approved, the full payment may go through and could result in a negative balance. If your balance is negative, you will not be charged an overdraft fee.
2. Digital Banking Services. Online or mobile banking is required to access Zelle®. Internet/mobile connectivity is required. Mobile banking is required to access remote deposit capture. Deposits made through mobile banking or remote deposit capture are subject to deposit limits and funds are typically available by next business day. Deposit limits may change at any time. Third-party message and data rates may apply. Other restrictions apply. For more information go to: wintrust.com/agreement-and-disclosure.
3. ATM Fees. There is no Wintrust Financial Corporation (‘WTFC’) transaction charge at any ATM in the Allpoint, ATM Access (Town Bank customers only), MoneyPass, or Sum surcharge-free networks. Other banks outside the network may impose ATM surcharges at their machines. Up to 6 surcharge fees assessed by owners of other ATMs outside the network will be reimbursed each calendar month. Reimbursement does not include the 1.10% International Service fee charged for certain foreign transactions conducted outside the continental United States.
4. Optional Dollar-A-Day Savings Service. Savings account must be opened at the same Wintrust Community Bank as the checking account. A listing of WTFC locations can be found here: wintrust.com/locations.
