Elgin State Bank

OPEN AN ACCOUNT $100 to open. No fees, that’s it No minimum monthly balance or monthly maintenance fees. Offer valid for eligible accounts opened 5/13/26 - 11/3/26. Offer not available to existing or closed personal checking account customers of Wintrust Financial Corporation & its subsidiaries; and Wintrust Financial Corporation employees. Customers who have (or had) a personal checking account with Wintrust Financial Corporation that was opened before the new account are not eligible for the offer. In addition, if you are later (prior to us paying the bonus) added as an owner to a personal checking account with Wintrust Financial Corporation and that account was opened prior to the new account, you will become ineligible for the offer. Limit 1 bonus payment per customer. Direct deposit is a payment made by a government 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 Wintrust Financial Corporation, external transfers from accounts at other financial institutions, peer-to-peer network payments like Zelle® or Venmo, or debit card transfers & deposits. Or to qualify for a $500 bonus payment, you must (i) Mention offer during in-branch account opening, visit URL provided, or enter Builder when applying online; (ii) have direct deposits totaling at least $2,000 or more to your new account each month for the 2 consecutive calendar months after the calendar month your new account was opened ('Qualification Period'); & (iii) enroll in online banking & e-statements within the Qualification Period. New account must be open & have a balance greater than $0 at the end of the Qualification Period to receive bonus payment. For eligible customers, bonus is deposited into the new account within 30 calendar days after the Qualification Period.