Posted by William Charles on November 17, 2018
Bank Account Bonuses

Published on November 17th, 2018 | by William Charles


[IL only] Wintrust Bank $100 Checking + $50 Saving Bonus

Deal is back for 2018, also includes a $50 savings bonus as well. Hat tip to reader EW

Offer at a glance

  • Maximum bonus amount: $100
  • Availability: IL only [Branch locator]
  • Direct deposit required: Yes no minimum specified
  • Additional requirements: eStatements
  • Hard/soft pull: Soft pull
  • ChexSystems: Unknown
  • Credit card funding: Unknown
  • Monthly fees: None
  • Early account termination fee: None
  • Household limit: None
  • Expiration date: September 30th, 2017 December 31st, 2017 January 31st, 2018 December 31st, 2018

The Offer

Direct link to offer (search for bonus)

  • Wintrust Bank is offering a $100 bonus when you open a new total access checking account when you complete the following bonus:
    • Open account by December 31st, 2018
    • Tell them you’re aware of the promotion
    • Deposit $100 in new money within 10 business days
    • Enroll in estatements and receive a direct deposit within the first two months of account opening
  • You can also get a $50 bonus by opening a statement savings account and complete the following requirements:
    • Open account by December 31st, 2018
    • Tell them you’re aware of the promotion
    • Deposit $1,000 in new money within 10 business days
    • Maintain a balance of at least $1,000 on each of the last business days of the three (3) consecutive calendar months following the calendar month the account was opened


The Fine Print

  • Limit one per customer.
  • Employees of Wintrust Financial Corp. and its subsidiaries are ineligible.
  • $100 deposit bonus is IRS 1099-INT reportable.
  • $100 deposit bonus applies only to new Total Access Checking customers.
  • $100 deposit bonus will be deposited into Total Access Checking account by 12/1/17. 3.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

This account has no monthly fees, according to the fee schedule a reader sent us there is no early account termination fee.

Our Verdict

They have had similar deals before for the Cubs checking account under their different brand names. Worth doing considering it’s a soft pull, but not the biggest deal out there. As always please share your datapoints below.

Big thanks to reader, Curmudgeon who let us know. Learn how to find bonuses and contribute to the site here.

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I just opened an account and there is no credit card funding. I had an account with them about 5 years ago. Hope I still get the bonus. Btw I’m around $3400 in bank bonuses (if they all pay out) since January.

What did you use for direct deposit?

Opening now, keep in mind, if you open online you have to wait about 2 days for the trial deposits from your external account to post before you can fully open account, NO CC funding option.

you have to verify your funding account at opening before $100 minimum can post, I will used Fidelity as an ach and report back with dp if it triggered bonus.

In your experience do preauthorized credits usually count teh same as DD and trigger the bonus?


Cap1 also is a preauthorized credit. I prob have a few weeks until this bonus will hit if it works.


Bonus took about 3 weeks after deposit to post. I used both cap1 360 and fidelity checking accounts. Both show up as “preauthorized credit” so Id assume both work. Cap1 was just trail deposits, and fidelity I sent over $50. Seems any amount will trigger bonus.

Really a lousy banking group, I’ve dealt with them before. For only $100 I would avoid them.

Do they honor the bonus for out of state customers who visit their branch? It’s a shame in a way because I was just out in Chicago and passed a couple of WinTrust branches. I have some other accounts though.

Goddamn it – are these guys Chex sensitive? It said it couldn’t process my app at the end

Just opened a wintrust account (in branch). No HP on any of 3 credit monitoring services so I assume SP. There was a plastic sign on the banker’s desk saying “We use Chexsystems for all new accounts”

Also here is a tip: if you go to Delaware St branch (in the middle of downtown Chicago) they have a $300 checking offer (requires a direct deposit of $500 and nothing else), an offer for 2.5% APY money market guaranteed for one year (no balance limit) and some over 3% CDs. This is Delaware st branch only but available to anyone who opens accounts there (there are signs everywhere once you walk in – not targeted in any way). It’s part of an intro offer as I believe thry just took over that location from a different bank. I do not know if they open accounts for people out of state but yet this should be of interest to people living in Chicago


awesome im in chicago area and might do the $300! whats the initial
minimum funding requirement in branch? i dont carry checks so i figure ill need to have cash on me

I believe like $100 for the checking.

Minimum $2500 for the money market with the 2.5% APY. I did this one too because it seemed like the best option currently available to me once I maxed out the rewards checking accounts that I can do.

Are they Chex sensitive? Do you have a lot of accounts opened in last year?

Unfortunately cannot provide any input there. In the past year i’ve only opened 2 checking accounts, so even if they were chex sensitive probably i would have still cleared the bar

What does it say in the fine print for bonus time requirement? 12 months since opening or closing previous account? I closed an account on 2/16/18, curious, thanks

Is this in-branch offers only or online applications are eligible for the bonuses as well?

FYI the new Wintrust branch on Delaware just east of Michigan Ave currently has a grand opening promotion only available at the Delaware Place Branch:

1. $300 bonus when opening a new checking account w/ at least $100 new-to-Wintrust money, e-stamens and $500 DD required
2. 19 months CD 3% APY
3. 26 months CS 3.25 APY

Received a mailer but it’s not targeted.

What does it say in the fine print for bonus time requirement? 12 months since opening or closing previous account? I closed an account on 2/16/18, curious, thanks

so if i opened online, should i send a secure message saying ‘im aware of the $100 promotion’ to make sure they mark my account eligible? or am i automtatically enrolled into the bonus promo even if i opened online and not in branch?

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