Printer-friendly versionPrinter-friendly version

We offer a variety of checking accounts to meet the diversified and changing needs of your business. With our accounts, you will have access to an experienced and dedicated team of financial professionals — people who know your account and are concerned with the long-term development of your company’s success.

 

Entrepreneur Checking

  • No minimum balance required
  • First 150 transactions free; additional at $.25 per item
  • No monthly service charge
  • i-BusinessBankingTM - free single user profile
  • Online statements

Business Community Checking

  • $5,000 minimum average collected balance
  • First 250 transactions free; additional at $.25 per item
  • $10 monthly service charge if balance falls below $5,000
  • i-BusinessBankingTM - free profile including two users
  • ACH online package of $30 for up to 30 originated ACHs per month

Have-It-All Business Checking

  • $20,000 minimum average collected balance
  • First 400 transactions free; additional at $.25 per item
  • $20 monthly service charge if balance falls below $20,000
  • i-BusinessBankingTM - free profile including two users
  • Online statements
  • ACH online package of $30 for up to 30 originated ACHs per month

Business Money Market Account

  • Competitive tiered interest rate structure
  • Manage your cash flow by sweeping funds between your checking account and a FDIC-insured interest bearing account
  • You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or other similar transactions from your account per month or statement cycle.

Business Debit Cards

Wintrust’s Business Debit Card offers you spending freedom and convenience. The card provides streamlined accounting and solid purchasing power, while offering full protection. Use your card worldwide wherever MasterCard® is accepted or use it at any ATM.

i-Business Banking™

i-BusinessBanking is an integrated online business banking treasury management application that provides your business access to an extensive array of account information, wherever and whenever you want. i-Business-Banking allows account reporting, payment initiations and file downloads and uploads, all with the click of a mouse. i-Business Banking services include:

Account Reporting

  • Access information for all of your accounts, including those at other banks
  • Balance Reporting and Transaction Reporting
  • Online Loan Transaction History
  • View Check Images
  • Positive Pay
  • Initiate Stop Payments

Payments Initiation

  • ACH Disbursements and Collections
  • Domestic and International Wire Transfers
  • Internal Account-to-Account Transfers
  • Financial Electronic Data Interchange (EDI)
  • Loan Payments

File Downloads/Uploads

  • Upload files from your internal system’s accounting software to i-BusinessBanking (such as ACH payroll information and checks issued file for Positive Pay)
  • Download reports from i-BusinessBanking to your computer such as EDI information, ACH return reports, and reconciliation reports
  • The Quick Books download feature allows you to download bank account information from i-BusinessBanking to your accounting software
     

 

i-BusinessClearing™

Better manage cash flow and avoid overdraft fees with this feature that provides early indications of the majority of checks that will be clearing your accounts on a daily basis.

MaxSafe® Business Accounts

Receive up to $3.75 Million in FDIC insurance with our MaxSafe® Deposit Account.

The MaxSafe Account is designed for those seeking a Certificate of Deposit (CD) or Money Market Account (MMA) with additional FDIC insurance.  MaxSafe is an innovative and unmatched investment alternative that provides up to 15 times the FDIC security of a traditional banking deposit. 

How can we offer this unparalleled level of protection? By depositing your funds across a group of our fifteen affiliated community banks. Fifteen banks mean fifteen times the usual $250,000 level of FDIC maximum protection. We also make things simple by providing one summary statement and one 1099 form at tax time.
 

MaxSafe® Certificate of Deposit
•    Automatically renewable, fixed-rate Certificate of Deposit (of a chosen term) with FDIC insurance of up to $3.75 million per titled account.
•    Available for consumers, businesses and not-for-profits. It is not currently available for IRA’s, however.
•     A minimum opening deposit of $100,000 is required.

MaxSafe® Money Market Account
•    FDIC insurance of up to $3.75 million per titled account.
•    6 pre-authorized transfers and/or withdrawals per month, of which 3 may be by draft or similar order payable to a third party
•    Available for consumers, businesses and not-for-profits. 
•    A minimum opening deposit of $250,000 is required.
•    A minimum service charge of $75 will be assessed if the balance falls below $250,000.


For more information, please stop by the bank and speak with a personal banker.  For more information on FDIC Insurance coverage, please visit www.fdic.gov.