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Wintrust’s response to the recent hurricanes: Our hearts go out to all who are impacted by the hurricanes’ devastating effects. Wintrust is committed to being as helpful and flexible as possible during this challenging time. If you need assistance, please contact your Relationship Manager.
Personal Attention,
Local Expertise
At Wintrust Community Banks, your business is our top priority.
Get matched with custom solutions designed to help your business thrive.
Personal Attention,
Local Expertise
At Wintrust Community Banks, your business is our top priority.
Get matched with custom solutions designed to help your business thrive.
Personal Attention,
Local Expertise
At Wintrust Community Banks, your business is our top priority.
Get matched with custom solutions designed to help your business thrive.
OUR CHECKING ACCOUNTS
$300 BONUS1
With qualifying activities. See below.
Entrepreneur
Checking
Designed for businesses just starting out, this account grows as you grow.
- No minimum monthly balance or monthly maintenance fees.2
- 150 free monthly transactions.2
- Free single-user i-BusinessBankingTM profile.
- No minimum to open.
Business Community
Checking
For businesses ready for the next step, this account has the tools to meet your needs.
- No monthly maintenance fee with a $2,500 minimum average collected balance.3
- 250 free monthly transactions.3
- Free i-BusinessBankingTM profile with unlimited non-token users and 2 free token users.4
- No minimum to open.
Have-It-All® Business
Checking
For larger enterprises that have higher transaction needs.
- $20,000 minimum average collected balance required to avoid a $30 monthly maintenance fee.
- 400 free monthly transactions.5
- Free i-BusinessBankingTM profile with unlimited non-token users and 2 free token users.4
- No minimum to open.
Did you know? Our small business clients are each paired with a dedicated relationship manager to help them find the right products and services for their business.
Best-In-Class
Treasury Management6
Our full suite of solutions can meet your business needs while dramatically cutting costs.
- Fraud Prevention Services
- Merchant Processing Services7
- Real-Time Payments
- ACH Origination
Best-In-Class
Treasury Management6
Our full suite of solutions can meet your business needs while dramatically cutting costs.
- Fraud Prevention Services
- Merchant Processing Services7
- Real-Time Payments
- ACH Origination
Best-In-Class
Treasury Management6
Our full suite of solutions can meet your business needs while dramatically cutting costs.
- Fraud Prevention Services
- Merchant Processing Services7
- Real-Time Payments
- ACH Origination
Lending Solutions To Help You Grow
EASY ACCESS TERM LOAN8
- Up to $250,000 available
- Term loans provide longer-term financing for equipment upgrades, replacements, additions, and more.
- Fixed and variable rate options.
- Terms up to 5 years.
EASY ACCESS LINES OF CREDIT9
- Up to $250,000 available.
- A line of credit can help support short-term cash needs to cover expenses or make inventory purchases during slower cash collections.
- Variable rate.
- Annually renewable.
Need more than $250,000? Contact our team for more lending solutions.
SBA Loans
Your relationship manager works with our AWARD-WINNING TEAM OF SBA LENDING SPECIALISTS to help you through the loan process easily.
UP TO $500,000
SBA Express Loan10
Lower down payments and simplified processing, which means less paperwork for you. Term loans and lines of credit are available.
UP TO $5M
SBA 7(a) Loan11
Our most popular loan option is ideal for business expansion, strategic acquisition, and partner buyouts.
UP TO $10M
SBA 504 Loan12
Lower down payments for large expenses, like purchasing equipment or owner-occupied real estate.
$300 BONUS1
Entrepreneur Checking
Open a new Entrepreneur Checking account and get a $300 bonus when you13
- Enroll in business online banking & e-statements.
- Deposit & maintain $1,500 or more.
- Complete 5 qualifying transactions within the Qualification Period.
1. 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 Wintrust Financial Corporation ('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.
2. 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.
3. 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.
4. 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.
5. Additional Transaction Fees. $0.40 cost per item for additional transactions over 400.
6. Treasury Management Services. See your banker or Treasury Management Services Sales Officer. Additional fees may apply.
7. Merchant Processing Services. Available through Elavon.
8. Easy Access Term Loan. Requires company’s primary checking account to be with the bank. Loan fees may apply. Business must be in operation & in business for 12 months or more. Subject to underwriting guidelines. See a personal banker for details.
9. Easy Access Line of Credit. Requires company’s primary checking account to be with the bank. Loan & renewal fees may apply. See the bank for details.
10. SBA Express Loan. Loans must be SBA eligible and are subject to Wintrust and SBA underwriting guidelines. Subject to the U.S. Small Business Administration standard operating procedures at time of approval. Standard closing costs apply. Must have a valid business tax ID number or Social Security number. See the bank for details.
11. SBA 7(a) Loan. Loans must be SBA eligible and are subject to Wintrust and SBA underwriting guidelines. Subject to the U.S. Small Business Administration standard operating procedures at time of approval. Packaging fee of $2,500.00 applies. Third-party expenses paid by the borrower and all fees can be financed.
12. SBA 504 Loan. Loans must be SBA eligible and are subject to Wintrust and SBA underwriting guidelines. Subject to the U.S. Small Business Administration standard operating procedures at time of approval. Third-party expenses incurred by the borrower and all fees can be financed.
13. 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.
