Wintrust Bank $500 Checking & Savings Account Bonus [FL, IL, MI, WI, IN] – Ends 11/5/25

Here, you can find the latest deals and bonuses from Wintrust Bank. In the past, most cash bonuses have ranged from $50 to $500.

• Update 10/1/25: The offer is back through 11/5/25 with this link: https://www.wintrust.com/personal-solutions/bank-with-us/savings/statement-savings.html
• Update 2/5/25: The offer has been extended through July 31.
• Update 6/1/24: The offer is back through January 29, 2025 at this link for Wintrust in IL.
• Update 12/24/23: The offer is still good.
• Update 7/6/2023: Offer extended through 1/31/2024.
• Update 3/26/2023: The offer has been extended through 6/30/2023.
• Update 1/13/2023: $500 checking and savings offer has extended until 3/31/2023. Details below.

Wintrust Bank is one of more than 150 affiliated Wintrust Community Banks in Illinois, Wisconsin, and Indiana that are linked together. Wintrust Bank was founded in 1994 and has its main office in Chicago, Illinois. It has about 30 branches in Illinois.

I’ll review the current offers below.

See Posts History below for more offers from Wintrust Bank.

Wintrust Bank $300 Checking + $200 Saving Bonuses

• What you’ll get: $300 for Checking + $200 for Savings
• Where it’s available: FL, IL, WI, IN, MI
• How to earn it:
  • Earn $300
    • Open a new Total Access Checking account
    • Enroll in online banking
    • Activate e-statements
    • Have at least monthly occurring direct deposits totaling $500 or more each month for the qualification period (2 consecutive calendar months after the calendar month your new account was opened).
  • Earn $200
    • Open a statement savings account
    • Deposit $15,000 or more during the month of account opening and maintain it for three months after the initial month the account is opened in
• When it expires: 11/5/25
• https://www.wintrust.com/personal-solutions/bank-with-us/savings/statement-savings.html
• Bonus link for FL (Wintrust Florida)
• Bonus link for IL (Wintrust)
• Bonus link for IN (Dyer Bank & Trust)
• Bonus link for WI (Town Bank)

TRENDING DEAL:

Maximize Your Money with the Axos One High-Interest Checking & Savings Bundle!

Unlock financial growth with the Axos One Bundle! Earn high interest with an impressive 4.21% APY on your savings and enjoy a solid 0.51% APY on your checking balance—all in one...Show More

Unlock financial growth with the Axos One Bundle! Earn high interest with an impressive 4.21% APY on your savings and enjoy a solid 0.51% APY on your checking balance—all in one streamlined package. Perfect for those who want to maximize their money, Axos One combines the flexibility of a checking account with the earning power of a high-interest savings account. Simplify your banking while watching your savings grow faster with Axos Bank's convenient, tech-savvy approach.


Disclaimers:

The Annual Percentage Yield (APY) is accurate as of 2/2/2026. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE® Checking account is at least $1,500.Option 2Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE® Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE® Savings account will earn a promotional rate of up to 4.21% APY for the statement cycle in which the requirements are met.The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.
Show Less

Up To 4.21% APY

Go to the deal

How To Earn The Bonus

• Earn $300
  • Open a new Total Access Checking account
  • Enroll in online banking
  • Activate e-statements
  • Have at least monthly occurring direct deposits totaling $500 or more each month for the qualification period (2 consecutive calendar months after the calendar month your new account was opened).
• Earn $200
  • Open a statement savings account
  • Deposit $15,000 or more during the month of account opening and maintain it for three months after the initial month the account is opened in

READ MORE: GET THIS CASH PROMOTION FROM BMO BEFORE IT ENDS

Account Features

• Online banking
• Mobile banking
• Cardless cash
• Remote check deposit
• E-statements
• Zelle

READ MORE: SEE THESE CASH BACK SHOPPING DEALS AND PROMOTIONS FOR BONUS CASH AND REWARDS

Waive The Monthly Fee

There are no monthly maintenance fees.

READ MORE: GET TOP OFFERS FROM CHASE, CIT and AXOS.

Fine Print

1. General Bonus Information:
   • Valid for new accounts opened between January 1, 2022, and January 31, 2024.
   • Not available to existing or closed checking and savings account customers of Wintrust Financial Corporation (WTFC) and its subsidiaries or active employees.
   • Limit of 1 bonus payment per customer, regardless of the number of accounts opened.
   • Ineligible to receive the same bonus offer or any other interest rate offer in the same product from any other WTFC location.
2. ATM Fees:
   • No WTFC transaction charge at ATMs in the Allpoint, ATM Access (Town Bank customers only), MoneyPass, or Sum surcharge-free networks.
   • Other banks outside the network may impose ATM surcharges.
   • Reimbursement of surcharge fees charged by owners of other ATMs outside the network, excluding the 1.10% International Service fee for certain foreign transactions conducted outside the continental United States.
3. Total Access Checking Bonus Information:
   • Ineligible to receive the Total Access Checking bonus offer from any other WTFC location.
   • Eligible for combining with other WTFC savings offers.
   • New account must be open, in the same product, and have a balance greater than zero to receive the bonus payment.
   • $300.00 bonus payment is subject to IRS 1099-INT reporting and may be considered income for tax purposes.
4. Total Access Checking Bonus Qualifications:
   • Open a new Total Access Checking account.
   • Mention the offer during in-branch account opening, visit the provided URL, or enter Echecking300 when applying online.
   • Have at least monthly occurring direct deposits totaling $500.00 or more each month for 2 consecutive calendar months after the account opening.
   • Enroll in online banking and activate e-statements within the qualification period.
   • Direct deposits exclude certain transactions like teller/ATM/mobile or remote deposits, wire transfers, online banking/telephone transfers between WTFC accounts, external transfers from other financial institutions, and debit card transfers and deposits.
   • Bonus payment deposited within 30 calendar days after completing all bonus qualifications.
5. Statement Savings Account:
   • Fees may reduce earnings.
   • Interest rate on the account can be changed at any time.
   • Transaction limitations may apply.
6. Statement Savings Bonus Information:
   • Ineligible to receive the Statement Savings bonus offer or any other savings interest rate offer from any other WTFC location.
   • Eligible for combining with other WTFC checking offers.
   • New account must be open, in the same product, and have a balance greater than zero to receive the bonus payment.
   • $200.00 bonus payment is subject to IRS 1099-INT reporting and may be considered income for tax purposes.
7. Statement Savings Bonus Qualifications:
   • Open a new Statement Savings account.
   • Mention the offer during in-branch account opening, visit the provided URL, or enter Esavings200 when applying online.
   • Deposit $15,000.00 or more of new money.
   • Maintain a minimum balance of at least $15,000.00 on the last business day of each of the 3 consecutive calendar months following the account opening.
   • Bonus payment of $200.00 deposited within 30 calendar days after completing all bonus qualifications.

READ MORE: GET CASH, PRIZES AND MORE WITH THESE REFERRAL DEALS

Bottom Line

This bonus is significantly higher than their usual offers. See the business checking offers from Wintrust at the links below.

Posts History:

• Wintrust Bank $300 Entrepreneur Business Checking Bonus [FL, IL, WI, IN] – Ended
• Wintrust Bank $500 Business Community Checking Bonus [FL, IL, WI, IN] – 1/31/24

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.