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Small Business Checking & Savings

You work hard for every dollar your small business earns. Our deposit solutions keep your money secure while making it quickly and easily accessible when you need it.

Business Checking & Savings Promo

Grow Your Deposits And Business With Confidence!

3.50% BUSINESS SAVINGS ADVANCED1 SPECIAL

Open a new Business Savings Advanced account and get a 3.50% Annual Percentage Yield ('APY')2, with qualifying activities3.

Variable rate. No minimum required to open. $1,000 daily minimum balance to avoid a $10 monthly maintenance fee. New money only.4

Grow Your Deposits And Business With Confidence!

3.50% BUSINESS SAVINGS ADVANCED1 SPECIAL

Open a new Business Savings Advanced account and get a 3.50% Annual Percentage Yield ('APY')2, with qualifying activities3.

Variable rate. No minimum required to open. $1,000 daily minimum balance to avoid a $10 monthly maintenance fee. New money only.4


Lock In Limited-Time Rates For Your Small Business

We offer business savings and money market accounts that offer competitive interest rates and allow you to move money between accounts easily.

ASK YOUR BANKER ABOUT SPECIAL OFFERS ON CDS!

OUR CHECKING ACCOUNTS 

 $300 BONUS4

To qualify, open a new Entrepreneur Checking account, enroll in business online banking & e-statements, deposit & maintain $1,500 or more, & complete 5 qualifying transactions within the Qualification Period.5

Entrepreneur
Checking

Designed for businesses just starting out, this account grows as you grow. You’ll work with a designated business banker that will help you every step of the way.

 
  • No minimum monthly balance or monthly maintenance fees6
  • 150 free monthly transactions6
  • Free single-user
    i-BusinessBanking™ profile 
  • Free online statements7
  • i-BusinessBanking™ Mobile with mobile remote deposit capture7
  • No minimum to open

 $500 BONUS8

To qualify, open a new Business Community Checking account, enroll in business online banking & e-statements, deposit & maintain $5,000 or more, & complete 10 qualifying transactions within the Qualification Period.9

Business Community Checking

For established businesses ready for the next step, this account has the tools and perks to meet your growing needs. Your designated business banker will support you through any goal.

  • No monthly maintenance fee with $2,500 minimum average collected balance10
  • 250 free monthly transactions10
  • Free i-BusinessBanking™ profile with unlimited non-token users & 2 free token users11
  • Free online statements7
  • Remote deposit capture7
  • No minimum to open

Have-It-All® Business Checking

For larger enterprises who have higher transaction needs that have large average collected balances.

 
  • $20,000 minimum average collected balance required to avoid a $30 monthly maintenance fee 
  • 400 free monthly transactions12
  • i-BusinessBanking™ profile with unlimited non-token users & 2 free token users11
  • Free online statements7
  • Remote deposit capture7
  • No minimum to open

OUR CHECKING ACCOUNTS

 $300 BONUS4

OUR CHECKING ACCOUNTS

 $300 BONUS4

 $300 BONUS4

 $300 BONUS1        With qualifying activities. See below.

To qualify, open a new Entrepreneur Checking account, enroll in business online banking & e-statements, deposit & maintain $1,500 or more, & complete 5 qualifying transactions within the Qualification Period.5

Entrepreneur Checking

Entrepreneur
Checking

Designed for businesses just starting out, this account grows as you grow. You’ll work with a designated business banker that will help you every step of the way.

  • No minimum monthly balance or monthly maintenance fees6
  • 150 free monthly transactions6
  • Free single-user i-BusinessBanking™ profile 
  • Free online statements7
  • i-BusinessBanking™ Mobile with mobile remote deposit capture7
  • No minimum to open

 $500 BONUS8

 $500 BONUS8

 $500 BONUS8

 $500 BONUS2        With qualifying activities. See below.

To qualify, open a new Business Community Checking account, enroll in business online banking & e-statements, deposit & maintain $5,000 or more, & complete 10 qualifying transactions within the Qualification Period.9

Business Community Checking

Business Community
Checking

For established businesses ready for the next step, this account has the tools and perks to meet your growing needs. Your designated business banker will support you through any goal.

  • No monthly maintenance fee with $2,500 minimum average collected balance10
  • 250 free monthly transactions10
  • Free i-BusinessBanking™ profile with unlimited non-token users & 2 free token users11
  • Free online statements7
  • Remote deposit capture7
  • No minimum to open

Have-It-All® Business Checking

Have-It-All® Business
Checking

For larger enterprises who have higher transaction needs that have large average collected balances.

  • $20,000 minimum average collected balance required to avoid a $30 monthly maintenance fee 
  • 400 free monthly transactions12
  • i-BusinessBanking™ profile with unlimited non-token users & 2 free token users11
  • Free online statements7
  • Remote deposit capture7
  • No minimum to open

WEALTH

We can help you plan for the future

SMALL BUSINESS LENDING

Give your business possibilities

TREASURY MANAGEMENT

Maximize your business strategy

1. Business Savings Advanced Account. Interest rate may change at any time. Fees may reduce earnings.

2. Business Savings Advanced Special. Offer subject to change at any time & without notice. Annual Percentage Yield ('APY') accurate as of 9/24/24, with qualifying activities. Minimum daily balance of $0.01 required to obtain APY. Offer available to existing or closed savings account customers of Wintrust Financial Corporation ('WTFC') & its subsidiaries or employees. Offer combinable with any WTFC checking offer, but not with a Business Savings deposit bonus offer.

3. Business Savings Advanced  Special Qualifications. (i) Open new Business Savings Advanced account; (ii) mention offer during in-branch account opening; & (iii) deposit new money (money not currently held at any WTFC location) into the new Business Savings Advanced account at account opening.

4. Entrepreneur Checking Bonus Information. Offer valid for accounts opened 2/1/24 — 1/29/25. Offer not available to existing or closed business checking account customers of  WTFC & its subsidiaries or employees, Political Action Committee, fiduciary, or campaign accounts. Limit 1 bonus payment per customer, regardless of number of accounts opened; may only be received from 1 WTFC location. Offer combinable with any WTFC business savings offer. Bonus payment subject to IRS 1099-INT reporting for sole proprietorships & single member LLCs, & may be considered income for tax purposes.

5. Entrepreneur Checking Bonus Qualifications. (i) Open new Entrepreneur Checking account; (ii) mention offer during in-branch account opening; (iii) maintain at least $1,500 on each of the last business days for 2 consecutive calendar months after the calendar month the account was opened ('Qualification Period'); (iv) complete 5 qualifying transactions (ACH debit, ACH credit, wire transfer, or debit card transactions) within the Qualification Period; & (v) enroll in business online banking & activate e-statements within the Qualification Period. New account must be open & have a balance greater than $0 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.

6. Entrepreneur Checking Account. (i) No monthly maintenance fee or minimum balance requirement if performing fewer than 75 transactions; (ii) $20 monthly maintenance fee if performing 76+ transactions & $1,500 minimum average collected balance not maintained; (iii) $0.40 cost per item for additional transactions over 150.

7. Business Online Banking Services. Use of online banking required for access to mobile/remote banking. Remote deposit requires established business checking account with the bank. Online banking processing cutoffs remain the same in mobile. Mobile/internet connectivity required. Third-party message, data, &/or internet fees may apply.

8. Business Community Checking Bonus Information. Offer valid for accounts opened 2/1/24 — 1/29/25. Offer not available to existing or closed business checking account customers of  WTFC & its subsidiaries or employees, Political Action Committee, fiduciary, or campaign accounts. Limit 1 bonus payment per customer, regardless of number of accounts opened; may only be received from 1 WTFC location. Offer combinable with any WTFC business savings offer. Bonus payment subject to IRS 1099-INT reporting for sole proprietorships & single member LLCs, & may be considered income for tax purposes.

9. Business Community Checking Bonus Qualifications. (i) Open new Business Community Checking account; (ii) mention offer during in-branch account opening; (iii) maintain at least $5,000 on each of the last business days for 2 consecutive calendar months after the calendar month the account was opened ('Qualification Period'); (iv) complete 10 qualifying transactions (ACH debit, ACH credit, wire transfer, or debit card transactions) within the Qualification Period; & (v) enroll in business online banking & activate e-statements within the Qualification Period. New account must be open & have a balance greater than $0 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.

10. Business Community Checking Account. $20 monthly maintenance fee if $2,500 minimum average collected balance not maintained. $0.40 cost per item for additional transactions over 250.

11. Additional Token Users. Additional hard token users = $3.50 per user, per month. Additional soft token users = $1.50 per user, per month. Token users required for online ACH origination & wire transfer capabilities.

12. Additional Transaction Fees. $0.40 cost per item for additional transactions over 400.

A listing of WTFC locations can be found here: wintrust.com/locations