RateHerald

16accounts we track

  • Savings5
  • Money market1
  • Checking7
  • CDs3

Bank in Chicago, IL

Wintrust Bank

FDIC-insured · certificate 33935

Savings, money market, checking and CDs, with every rate from Wintrust Bank’s own pages and every rank against the accounts we track.

Checked Nov 1, 2026Updated

Best savings rate
2.25%APY · Wintrust Statement Savings Special Rate
Best CD rate
4.15%APY for 13 months
Bonus
$500Wintrust Premier Checking

Every account we track

Accounts and rates

Savings and money market

A year on $10,000, after fees
Wintrust Statement Savings Special RateSavings account · $1,000 to open2.25%$225Not stated
Wintrust Statement Savings AdvancedSavings account · no minimum to open2.00%$0$5 a month
Wintrust Statement Savings Advanced SpecialSavings account · no minimum to open2.00%$0$5 a month
Wintrust Money MarketMoney market account · $100 to open0.25%−$120Not stated
Wintrust SavingsSavings account · $0.01 to open0.15%$15Not stated
Wintrust Savings Any AmountSavings account · no minimum to open0.10%$10Not stated

Checking

Against 1043 checking accounts
Wintrust DePaul CheckingChecking account · no minimum to openNot stated#313None
Wintrust Total Access CheckingChecking account · $100 to openNot stated#405None
Wintrust Money Smart CheckingChecking account · $10 to openNot stated#412None
Wintrust Access PlusChecking account · $100 to open0.01%#829$10 a month
Wintrust Premier CheckingChecking account · $100 to openNot stated#990$25 a month
Wintrust PlatinumPreferred® CheckingChecking account · $100 to openNot stated—$10 a month
Wintrust Student Checking AccountChecking account · no minimum to openNot stated—None

CDs, best rate at each term

3 CDs
1 year12 Month CD0.15%#145 of 176
13 months · Wintrust Bank’s best13-Month CD Special4.15%—
18 months18 Month CD0.20%#94 of 107

A dash: a term we don’t rank. All Wintrust Bank CDs

Offer

Bonuses

$500

$2,000 in direct deposits within 60 days. About $1,000 a month for 2 months.

Wintrust Premier Checking · for new customers

Ends Nov 9, 2027Meet it within 60 days

“Open a new Premier Checking account, mention the offer (or visit the URL provided, or enter the code Builder when applying online), enroll in online banking and e-statements within the Qualification Period, and have qualifying direct deposits each month for the 2 consecutive calendar months after th…”The bank’s page, checked Nov 8, 2026

Can you meet it? The bank bonus finderAll bank bonuses

$500

$2,000 in direct deposits within 60 days. About $1,000 a month for 2 months.

Wintrust Total Access Checking · for new customers

Ends Nov 9, 2027Meet it within 60 days

“Open a new Total Access Checking account, mention the offer or enter promo code Builder when applying, have direct deposits of $500 (for $300) or $2,000 (for $500) each month for the 2 consecutive calendar months after the account-opening month, and enroll in online banking & e-statements within the…”The bank’s page, checked Nov 8, 2026

Can you meet it? The bank bonus finderAll bank bonuses

Against the market

How Wintrust Bank ranks

Where each ranked account sits on our list for its kind. Further right is higher on the list.

  • Wintrust Statement Savings Special RateSavings account#57 of 270
  • Wintrust DePaul CheckingChecking account#313 of 1043
  • Wintrust Total Access CheckingChecking account#405 of 1043
  • Wintrust Money Smart CheckingChecking account#412 of 1043
  • Wintrust SavingsSavings account#141 of 270
  • Wintrust Savings Any AmountSavings account#158 of 270
  • Wintrust Access PlusChecking account#829 of 1043
  • 12 Month CD · 1 yearCD#145 of 176

Savings and money market accounts rank by a year on $10,000; checking by a year for an everyday customer; CDs by a year on $10,000 at each term.