Town Bank Offer

Bonus Details

$300 bonus for checking with $500 a month in direct deposit, or $500 bonus for checking with $2000 a month in direct deposit

How To Qualify

Open with $100 using promo code BUILDER online or mention the offer in branch. Receive qualifying direct deposits totaling at least $2,000 in each of the two consecutive calendar months after your opening month ($4,000 total) for $500; alternatively, $500 each month earns $300. Enroll in online banking and e-statements within that period. Keep the account open with a positive balance at the period’s end.

The Fine Print

Monthly Fees: None
Credit Inquiry: Soft Pull
Household Limit: One
Account Type: Personal Bank Account
Promotion Start Date: 5/13/2026
Expiration Date: 11/3/2026
Additional Requirements: Not available to current or former Wintrust personal checking customers. Becoming an owner of an older Wintrust personal checking account before bonus payment also makes you ineligible. Limit one bonus per customer.
Availability: Illinois, Wisconsin

Early Account Closure Fee

Unknown

Official offer terms

Source wording for the promotion. View official source Recorded Invalid Date.

Offer valid for eligible accounts opened 5/13/26 - 11/3/26. OPEN AN ACCOUNT $100 to open. 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. To qualify for a $300 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 $500 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. 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. 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. Your account opening date is the business day that we open your account. If your account is opened on a non-business day (weekends and federal holidays), your account opening date is the next business day. 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. No fees, that’s it No minimum monthly balance or monthly maintenance fees.