APY
0.01%
As of Nov 8, 2026. Rates are variable.
Wintrust Bank · Checking account
Wintrust Access Plus
−$120 a year for an everyday customer. $10 a month. $100 to open.
- A year, everyday customer
- −$120
- APY
- Receipt · APYChecked Nov 8, 2026
Issuer's page · wintrustbank.com
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · wintrustbank.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · wintrustbank.com
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#829of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- ATM fee rebates
- Debit card
- Early direct deposit
- Free checks
- Interest bearing
- Mobile check deposit
- Online opening
- Spending alerts
- Zelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Rate conditions
- Balance needed for the APY
- $0.01wintrustbank.com, checked Nov 8, 2026
- Interest compounds
- interest paid monthlywintrustbank.com, checked Nov 8, 2026
Fees
- Monthly fee
- $10 a monthwintrustbank.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- Any one of these:
- $2,500 average daily balance
- $25,000 combined average relationship balance in consumer accounts held at the same charter bank
- Minimum to open
- $100wintrustbank.com, checked Nov 8, 2026
- Overdraft fee
- $35wintrustbank.com, checked Nov 8, 2026
- Returned item (NSF) fee
- $35wintrustbank.com, checked Nov 8, 2026
- ATM network
- Allpoint, ATM Access (Town Bank customers only), MoneyPass, or SUMwintrustbank.com, checked Nov 8, 2026
- Out-of-network ATM fee
- Nonewintrustbank.com, checked Nov 8, 2026
- International ATM fee
- $1.10wintrustbank.com, checked Nov 8, 2026
- Foreign transaction fee (debit card)
- 1.1%wintrustbank.com, checked Nov 8, 2026
- Incoming domestic wire
- $5wintrustbank.com, checked Nov 8, 2026
- Outgoing domestic wire
- $25wintrustbank.com, checked Nov 8, 2026
- Incoming international wire
- $15wintrustbank.com, checked Nov 8, 2026
- Outgoing international wire
- $40wintrustbank.com, checked Nov 8, 2026
- Inactivity fee
- $5wintrustbank.com, checked Nov 8, 2026
- Cashier’s check
- $5wintrustbank.com, checked Nov 8, 2026
- Stop payment
- $30wintrustbank.com, checked Nov 8, 2026
- Card replacement
- $10wintrustbank.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money