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Credit Building & Repair
Credit Building & Repair
MONEY SMART CHECKING®
Set the course for financial success with a checking account that can give you a hand. With only a $10 deposit to open, and an automatic transfer to savings, Money Smart Checking® will have you improving your financial picture in no time.
- $10 to open
- No minimum monthly balance or monthly maintenance fees
- Free debit card with up to 6 free out-of-network ATM reimbursements each calendar month1
- Online & mobile banking2
- Optional Dollar-A-Day Savings Service: automatically transfer $1 (or more) each day from your Money Smart Checking® account to your Wintrust Community Bank savings account3
- No overdraft fees4
MONEY SMART SAVINGS®
Get your savings on track with an interest-bearing savings account that will make planning for the future easy. Money Smart Savings® is the perfect account to pair with your Money Smart Checking® account.
ACCOUNT DETAILS
- No minimum to open
- No minimum monthly balance or monthly maintenance fees
- Interest-bearing savings account
- FREE debit card (with linked checking account) with up to 6 FREE out-of-network ATM reimbursements per calendar month1
We've designed lending solutions that can give you a better way to borrow.
EVERYDAY LOAN
The Everyday Loan is a fixed-rate loan with a quick approval decision. Loans are available in amounts up to $5,000. Plus, our rates are lower than most credit cards or other fast-cash loans. So, when unexpected costs come out of nowhere, there’s no need to panic.
|
LOAN LOAN |
SAMPLE SAMPLE LOAN AMOUNT |
FIXED FIXED |
CURRENT CURRENT % APR5 |
MONTHLY MONTHLY |
|---|---|---|---|---|
|
12 |
$1,000 |
Prime |
12.75% |
$89.20 |
|
24 |
$1,000 |
Prime |
12.75% |
$47.42 |
READY TO GET STARTED? HERE’S HOW TO APPLY:
- Click Start the Process to download the PDF application.
- Complete the application by typing or writing in your answers.
- Bring your completed, printed application and proof of income to your local Wintrust Community Bank. Proof of income varies based on your employment status:
- Employed: One recent paycheck stub. A W-2 from the previous year may also be needed.
- Self-employed, seasonal employee, or commissioned: A copy of your complete tax return with all schedules from the previous year.
- Retired: A Benefit Statement from the Social Security Administration, or a pension statement.
At least one applicant must reside in the bank’s assessment area. Collectively, Wintrust Community Bank assessment areas are in and around Chicago; the Naples, Florida area; southern Wisconsin; and northwest Indiana. For specific information about each bank’s assessment area, please contact us.
Please visit a branch to open your account.
IMPORTANT NOTICE:
Click here to verify that you have downloaded the application for your local Wintrust Community Bank branch. The bank name on your application must match the proper family of bank branches.
For example: Pullman Bank & Trust is listed as a branch under Beverly Bank & Trust.
Have questions? Call us today at 800-433-3076.
Get personalized help from a specialist.
MONEY SMART CD LOAN
You can take out a loan for as little as $500, or more based on your ability to pay, then use the borrowed funds to open a certificate of deposit (CD) for the same amount. Just make fixed monthly payments on the loan, and when the loan is paid off, the CD with earned interest is yours!
At least one applicant must reside in the bank’s assessment area. Collectively, Wintrust Community Bank assessment areas are in and around Chicago; the Naples, Florida area; southern Wisconsin; and northwest Indiana. For specific information about each bank’s assessment area, please contact us.
SECURED MASTERCARD
Find the perfect card for the way you use credit. Our credit cards offer benefits and features to meet a variety of financial needs. Take a look at what each card has to offer and decide which one is right for you.
Click here for more information and to apply online.
Online account access provides the quickest and easiest way to:
- Activate your credit card
- Make payments
- Transfer balances
- Request credit limit increases
- View statements…and much more
Simply access your account by clicking here.
To learn more about rates and fees contact your personal banker.
CREDIT CARDS
Give yourself some credit
CREDIT CARDS
Give yourself some credit
Whether you’re building your credit or looking for convenience, we’ve got something that can come in handy. For a secure and easy way to pay, check out our credit card options.
TOTAL ACCESS CHECKING
Be free of ATM fees
TOTAL ACCESS CHECKING
Be free of ATM fees
Some of the best things in life are free. Now, ATMs are free too! With Total Access, you can feel free to use any ATM nationwide and avoid the fee.
SAVINGS
Save for life's big moments…
SAVINGS
Save for life's big moments…
And, everything in between. Whether it’s your child’s first savings account or you saving for a rainy day, we can help.
Credit Cards are issued by First National Bank of Omaha (FNBO®).
1. ATM Fees. No Wintrust Financial Corporation (‘WTFC’) transaction charge at ATMs in the Allpoint, ATM Access (Town Bank customers only), MoneyPass, or Sum networks. Banks outside the network may impose ATM surcharges. Up to 6 surcharge fees assessed by owners of ATMs outside the network will be reimbursed each statement cycle. Reimbursement excludes 1.10% International Service fee for certain foreign transactions conducted outside the continental U.S.
2. Digital Banking Services. Online or mobile banking required to access Zelle®. Internet/mobile connectivity required. Mobile banking required to access remote deposit capture. Deposits made through mobile banking or remote deposit capture are subject to deposit limits & funds are typically available by next business day. Deposit limits may change at any time. Third-party message/data rates & other restrictions may apply. For more information go to wintrust.com/agreement-and-disclosure. For more information go to: www.wintrust.com/agreement-and-disclosure.
3. Optional Dollar-A-Day Savings Service. Savings account must be opened at the same Wintrust Community Bank as the checking account.
4. Overdrafts. We decline or return transactions when you do not have enough money in your account to cover the charge. Some transactions could still cause a negative account balance, like when a transaction is approved for one amount but the actual charge is more. Example: if you add a tip for a meal after the transaction was approved, the full payment may go through & could result in a negative balance. If your balance is negative, you will not be charged an overdraft fee.
5. APR. The Annual Percentage Rate (APR) is a fixed rate that’s based on the Prime Rate reported in the Money Rates section of the Wall Street Journal (the “WSJ Prime”) plus a 5% margin, at the time the loan is made. For example, on 11/12/2024 WSJ Prime was 7.75% resulting in the APR disclosed. See the bank for details. Applicant must meet underwriting guidelines.
