GET PREMIER RESULTS WITH PREMIER CHECKING NOW WITH EVEN MORE PERKS! Receive your paycheck up to two days earlier with Early Pay $100 to open $10,000 average daily balance or $75,000 combined average relationship balance in consumer accounts held at the same charter bank to avoid 525 monthly fee FREE ATMS NATIONWIDE FREE BANK SPECIALTY CHECK PRINTING* TIERED & VARIABLE INTEREST RATE with interest paid monthly WAIVED FEES on ALL incoming wire transfers 0.15% RATE BONUS over the current Statement Savings Advanced interest rate on all Statement Savings Advanced accounts $300 Receive when you open a new Premier Checking account, enroll in online banking & e-statements. and have $500+ in direct deposits each month of the Qualification Period' SCAN TO REDEEM THIS OFFER, VISIT THE BRANCH, OR GO TO BANKSTCHARLES.COM/PREMIER FREE SAFE DEPOSIT BOX! Free 3x10 safe deposit box or equivalent discount on larger box. DIFFERENT APPROACH, BETTER RESULTS ST. CHARLES BANK & TRUST COMPANY, N.A. A WINTRUST COMMUNITY BANK 411 W Main St. | 2825 Foxfield Rd. | St. Charles bankstcharles.com 1. Early Pay. Early Pay allows eligible direct deposits for consumer accounts to be credited to your account up to 2 business days early. Early availability is not guaranteed and is determined Member based on receipt of payer information and standard fraud prevention monitoring. Direct deposit is a payment made by a government agency, employer, or other third-party organization FDIC via electronic deposit but does not include teller/ATM/mobile or remote deposits, wire transfers, digital banking/telephone transfers between accounts at Wintrust Financial Corporation [WTFC) external transfers from accounts at other financial institutions, peer-to-peer network payments like Zelle or Venmo, or debit card transfers & deposits. 2. Premier Checking Fees $25 monthly maintenance fee waived with either il average daily balance of $10,000, or i) combined average relationship balance of $75,000 per monthly statement cycle. Relationship balances include owned consumer checking, savings, money market, and certificate of deposit including retirement and MaxSafe deposits held directly with the same charter bank. Fees may reduce earings. 3. 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 130% International Service fee for certain foreign transactions conducted outside the continental US 4. Bank Specialty Checks, Style & quantity restrictions apply. 5. Interest Rate Bonus. Must have a common account owner on both the Statement Savings Advanced accounth) and the Premier Checking account(s) with the same charter. Both accounts must remain open and maintain a common account owner to receive the interest rate bonus. Rate increase is effective the next business day after the second account is opened 6.Premier 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 WTFC & its subsidiaries or employees Limit 1 bonus payment per customer, regardless of number of accounts opened may only be received from 1WTFC location. Offer combinable with any WTFC savings offer Bonus payment subject to IRS 1099-INT reporting & may be considered income for tax purposes. 7. Premier Checking Bonus Qualifications. Open new Premier Checking account: (i) mention offer during in-branch account opening visit URL provided, or enter Echecking300 when applying online, (i) 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) & (v) enroll in online banking & e-statements within the Qualification Period. Direct deposit is a payment made by a govemment 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. & Safe Deposit Boxes. Free 3x10 box or equivalent discount on larger box. Subject to availability Limited to 1 per account. Safe deposit boxes are not FDIC-insured. GET PREMIER RESULTS WITH PREMIER CHECKING NOW WITH EVEN MORE PERKS ! Receive your paycheck up to two days earlier with Early Pay $ 100 to open $ 10,000 average daily balance or $ 75,000 combined average relationship balance in consumer accounts held at the same charter bank to avoid 525 monthly fee FREE ATMS NATIONWIDE FREE BANK SPECIALTY CHECK PRINTING * TIERED & VARIABLE INTEREST RATE with interest paid monthly WAIVED FEES on ALL incoming wire transfers 0.15 % RATE BONUS over the current Statement Savings Advanced interest rate on all Statement Savings Advanced accounts $ 300 Receive when you open a new Premier Checking account , enroll in online banking & e - statements . and have $ 500 + in direct deposits each month of the Qualification Period ' SCAN TO REDEEM THIS OFFER , VISIT THE BRANCH , OR GO TO BANKSTCHARLES.COM/PREMIER FREE SAFE DEPOSIT BOX ! Free 3x10 safe deposit box or equivalent discount on larger box . DIFFERENT APPROACH , BETTER RESULTS ST . CHARLES BANK & TRUST COMPANY , N.A. A WINTRUST COMMUNITY BANK 411 W Main St. | 2825 Foxfield Rd . | St. Charles bankstcharles.com 1. Early Pay . Early Pay allows eligible direct deposits for consumer accounts to be credited to your account up to 2 business days early . Early availability is not guaranteed and is determined Member based on receipt of payer information and standard fraud prevention monitoring . Direct deposit is a payment made by a government agency , employer , or other third - party organization FDIC via electronic deposit but does not include teller / ATM / mobile or remote deposits , wire transfers , digital banking / telephone transfers between accounts at Wintrust Financial Corporation [ WTFC ) external transfers from accounts at other financial institutions , peer - to - peer network payments like Zelle or Venmo , or debit card transfers & deposits . 2. Premier Checking Fees $ 25 monthly maintenance fee waived with either il average daily balance of $ 10,000 , or i ) combined average relationship balance of $ 75,000 per monthly statement cycle . Relationship balances include owned consumer checking , savings , money market , and certificate of deposit including retirement and MaxSafe deposits held directly with the same charter bank . Fees may reduce earings . 3. 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 130 % International Service fee for certain foreign transactions conducted outside the continental US 4. Bank Specialty Checks , Style & quantity restrictions apply . 5. Interest Rate Bonus . Must have a common account owner on both the Statement Savings Advanced accounth ) and the Premier Checking account ( s ) with the same charter . Both accounts must remain open and maintain a common account owner to receive the interest rate bonus . Rate increase is effective the next business day after the second account is opened 6.Premier 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 WTFC & its subsidiaries or employees Limit 1 bonus payment per customer , regardless of number of accounts opened may only be received from 1WTFC location . Offer combinable with any WTFC savings offer Bonus payment subject to IRS 1099 - INT reporting & may be considered income for tax purposes . 7. Premier Checking Bonus Qualifications . Open new Premier Checking account : ( i ) mention offer during in - branch account opening visit URL provided , or enter Echecking300 when applying online , ( i ) 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 ) & ( v ) enroll in online banking & e - statements within the Qualification Period . Direct deposit is a payment made by a govemment 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 . & Safe Deposit Boxes . Free 3x10 box or equivalent discount on larger box . Subject to availability Limited to 1 per account . Safe deposit boxes are not FDIC - insured .