GO FEE-FREE WITH TOTAL ACCESS CHECKING $100 to open. No minimum monthly balance or monthly maintenance fees. AND ENJOY A $300 BONUS when you open a new Total Access Checking account, enroll in online banking & e-statements. & have $500+ in direct deposits each month of the Qualification Period? $500.56 bankstcharles.com/tac Start Using Our Highly Rated Mobile App.3³ Use any ATM nationwide, and we'll refund the feel' W Google Play App Store No minimum monthly balance or monthly maintenance fees. DIFFERENT APPROACH, BETTER RESULTS ST. CHARLES BANK & TRUST COMPANY, N.A. A WINTRUST COMMUNITY BANK No overdraft fees'- we don't charge for mistakes. 1. Total Access Checking Bonus Information. Offer valid for accounts opened 2/1/24-1/29/25. Offer not available to existing or closed checking account customers of Wintrust Member Financial Corporation (WTFC) & its subsidiaries or employees. Limit 1 bonus payment per customer, regardless of number of accounts opened may only be received from 1 WTFC FDIC location. Offer combinable with any WTFC savings offer. Bonus payment subject to RS 1099-INT reporting & may be considered income for tax purposes. 2. Total Access Checking Bonus Qualifications. Open new Total Access Checking account: (i) mention offer during in-branch account opening, visit URL provided, or enter Echecking300 when applying online, have direct deposits totaling at least $500 per month made to the new account for 2 consecutive calendar months after the calendar month the new account was opened (Qualification Period) & (iv) enroll in online banking & e-statements within the Qualification Period. Direct deposit is a payment made by a government agency, employer, or other third-party organization via electronic deposit, but does not include teller/ATM/mobile or remote deposits, wire transfers, digital banking/telephone transfers between accounts at WTFC. external transfers from accounts at other financial institutions, peer-to-peer network payments like Zelle or Venmo, or debit card transfers & deposits. New account must be open & have a balance greater than 50 to receive bonus payment. Balance determined as of end of each business day as funds currently in the account including deposits & withdrawals made in the business day. For eligible customers. bonus is deposited into the new account within 30 calendar days after the Qualification Period. A listing of WTFC locations can be found here: wintrust.com/locations 3. 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 4. ATM Fees. No 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. Surcharge fees assessed by owners of ATMs outside the network will be reimbursed. Reimbursement excludes 110% International Service fee for certain foreign transactions conducted outside the continental US 5. Overdrafts. We may decline or return transactions when you do not have enough money in your account to cover the transaction GO FEE - FREE WITH TOTAL ACCESS CHECKING $ 100 to open . No minimum monthly balance or monthly maintenance fees . AND ENJOY A $ 300 BONUS when you open a new Total Access Checking account , enroll in online banking & e - statements . & have $ 500 + in direct deposits each month of the Qualification Period ? $ 500.56 bankstcharles.com/tac Start Using Our Highly Rated Mobile App.3³ Use any ATM nationwide , and we'll refund the feel ' W Google Play App Store No minimum monthly balance or monthly maintenance fees . DIFFERENT APPROACH , BETTER RESULTS ST . CHARLES BANK & TRUST COMPANY , N.A. A WINTRUST COMMUNITY BANK No overdraft fees'- we don't charge for mistakes . 1. Total Access Checking Bonus Information . Offer valid for accounts opened 2 / 1 / 24-1 / 29 / 25 . Offer not available to existing or closed checking account customers of Wintrust Member Financial Corporation ( WTFC ) & its subsidiaries or employees . Limit 1 bonus payment per customer , regardless of number of accounts opened may only be received from 1 WTFC FDIC location . Offer combinable with any WTFC savings offer . Bonus payment subject to RS 1099 - INT reporting & may be considered income for tax purposes . 2. Total Access Checking Bonus Qualifications . Open new Total Access Checking account : ( i ) mention offer during in - branch account opening , visit URL provided , or enter Echecking300 when applying online , have direct deposits totaling at least $ 500 per month made to the new account for 2 consecutive calendar months after the calendar month the new account was opened ( Qualification Period ) & ( iv ) enroll in online banking & e - statements within the Qualification Period . Direct deposit is a payment made by a government agency , employer , or other third - party organization via electronic deposit , but does not include teller / ATM / mobile or remote deposits , wire transfers , digital banking / telephone transfers between accounts at WTFC . external transfers from accounts at other financial institutions , peer - to - peer network payments like Zelle or Venmo , or debit card transfers & deposits . New account must be open & have a balance greater than 50 to receive bonus payment . Balance determined as of end of each business day as funds currently in the account including deposits & withdrawals made in the business day . For eligible customers . bonus is deposited into the new account within 30 calendar days after the Qualification Period . A listing of WTFC locations can be found here : wintrust.com/locations 3. 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 4. ATM Fees . No 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 . Surcharge fees assessed by owners of ATMs outside the network will be reimbursed . Reimbursement excludes 110 % International Service fee for certain foreign transactions conducted outside the continental US 5. Overdrafts . We may decline or return transactions when you do not have enough money in your account to cover the transaction