RateHerald

Monthly fee

$0

$0 a year for an everyday customer: fees and interest, $2,000 kept.

Wintrust Bank · Checking account

Wintrust Total Access Checking

$0 a year for an everyday customer. No monthly fee. $100 to open.

Checked Nov 8, 2026Updated

A year, everyday customer
$0
Monthly fee
To open

Offer

Bonus

$500

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

Wintrust Total Access Checking · Wintrust · for new customers

Ends Nov 9, 2027Meet it within 60 daysNew customers only

“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 it ranks

#405of 1043 checking accounts, by a year’s value for an everyday customer

All 1043 checking accounts, ranked

Features

  • ATM fee rebates
  • Early direct deposit
  • No minimum balance
  • No overdraft fees
  • Online opening

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

Fees

Monthly fee
Nonewintrustbank.com, checked Nov 8, 2026
Minimum to open
$100wintrustbank.com, checked Nov 8, 2026
Overdraft fee
Nonewintrustbank.com, checked Nov 8, 2026
ATM network
Allpoint, ATM Access (Town Bank customers only), MoneyPass, SUMwintrustbank.com, checked Nov 8, 2026
Out-of-network ATM fee
Nonewintrust.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 · Not stated: 1 item counted at typical fees

See it on wintrustbank.com

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