1. Business Savings Advanced Special. Offer subject to change at any time & without notice. Annual Percentage Yield (‘APY’) accurate as of 11/7/24, 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, excluding Macatawa Bank locations. Offer combinable with any WTFC checking offer, but not with a Business Savings deposit bonus offer. 

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

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 – 11/5/25. Offer not available to existing or closed business checking account customers of WTFC & its subsidiaries or employees and Macatawa Bank locations, 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. i-BusinessBanking™ Services. Use of online banking required for access to mobile/online banking. Mobile 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 Account. $20 monthly maintenance fee if $2,500 minimum average collected balance not maintained. $0.40 cost per item for additional transactions over 250.

9. 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.

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

11. Treasury Management Services. See your banker or Treasury Management Services Sales Officer. Additional fees may apply.

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