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Establish a program at State Bank of The Lakes that allows your money to grow, while letting our services take care of your banking needs.  Whether you are looking to open a new checking account, save for your future, or add to your current portfolio, State Bank of The Lakes has a program for you.

Cubs Checking

  • FREE ATMS NATIONWIDE1
  • NO MINIMUM BALANCE REQUIRED
  • NO MONTHLY MAINTENANCE FEES
  • ONLY $100 NEEDED TO OPEN
  • ONLINE & MOBILE BANKING2
  • REMOTE DEPOSIT2
  • ONLINE BILL PAY2
  • E-STATEMENTS2
  • PEER-TO-PEER PAYMENTS2
  • CARDLESS CASH2
  • CUBS MASTERCARD® DEBIT CARD!3


MasterCard is a registered trademark of MasterCard International Incorporated. Banking services provided by Wintrust Community Banks. Chicago Cubs and Chicago White Sox trademarks and copyrights proprietary to Chicago Cubs and Chicago White Sox. Used with permission. 1. The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, MoneyPass, or Sum surcharge–free networks. Other banks outside the network may impose ATM surcharges at their machines. Surcharge fees assessed by owners of other ATMs outside the network will be reimbursed. Reimbursement does not include the 1.10% International Service fee charged by MasterCard® for certain foreign transactions conducted outside the continental United States. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and People Pay. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar year. People Pay requires a Checking account. Cardless Cash requires a checking account and debit card with the bank and is available only at Wintrust Community Bank ATMs. 3. Overdraft fees may apply.

White Sox Checking

  • FREE ATMS NATIONWIDE1
  • NO MINIMUM BALANCE REQUIRED
  • NO MONTHLY MAINTENANCE FEES
  • ONLY $100 NEEDED TO OPEN
  • ONLINE & MOBILE BANKING2
  • REMOTE DEPOSIT2
  • ONLINE BILL PAY2
  • E-STATEMENTS2
  • PEER-TO-PEER PAYMENTS2
  • CARDLESS CASH2
  • WHITE SOX MASTERCARD® DEBIT CARD!3


MasterCard is a registered trademark of MasterCard International Incorporated. Banking services provided by Wintrust Community Banks. Chicago Cubs and Chicago White Sox trademarks and copyrights proprietary to Chicago Cubs and Chicago White Sox. Used with permission. 1. The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, MoneyPass, or Sum surcharge–free networks. Other banks outside the network may impose ATM surcharges at their machines. Surcharge fees assessed by owners of other ATMs outside the network will be reimbursed. Reimbursement does not include the 1.10% International Service fee charged by MasterCard® for certain foreign transactions conducted outside the continental United States. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and People Pay. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar year. People Pay requires a Checking account. Cardless Cash requires a checking account and debit card with the bank and is available only at Wintrust Community Bank ATMs. 3. Overdraft fees may apply.

Wintrust Total Access Checking

  • FREE ATMS NATIONWIDE1
  • NO MINIMUM BALANCE REQUIRED
  • NO MONTHLY MAINTENANCE FEES
  • ONLY $100 NEEDED TO OPEN
  • ONLINE & MOBILE BANKING2
  • REMOTE DEPOSIT2
  • ONLINE BILL PAY2
  • E-STATEMENTS2
  • PEER-TO-PEER PAYMENTS2
  • CARDLESS CASH2
  • MASTERCARD® DEBIT CARD3


MasterCard is a registered trademark of MasterCard International Incorporated. Banking services provided by Wintrust Community Banks. 1. The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, MoneyPass, or Sum surcharge–free networks. Other banks outside the network may impose ATM surcharges at their machines. Surcharge fees assessed by owners of other ATMs outside the network will be reimbursed. Reimbursement does not include the 1.10% International Service fee charged by MasterCard® for certain foreign transactions conducted outside the continental United States. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and People Pay. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar year. People Pay requires a Checking account. Cardless Cash requires a checking account and debit card with the bank and is available only at Wintrust Community Bank ATMs. 3. Overdraft fees may apply.

Wintrust Access Plus Checking

  • FIVE FREE NATIONWIDE ATM REFUNDS PER STATEMENT CYCLE1
  • ONLY $100 NEEDED TO OPEN
  • $1,000 MINIMUM DAILY BALANCE OR $2,500 AVERAGE BALANCE FOR THE MONTHLY STATEMENT CYCLE TO AVOID A $10 MONTHLY FEE
  • VARIABLE INTEREST RATE WITH INTEREST PAID MONTHLY
  • FREE FIRST ORDER OF SPECIALTY CHECKS2
  • ONLINE & MOBILE BANKING3
  • REMOTE DEPOSIT3
  • ONLINE BILL PAY3
  • E-STATEMENTS3
  • PEER-TO-PEER PAYMENTS3
  • CARDLESS CASH3
  • MASTERCARD® DEBIT CARD4


MasterCard is a registered trademark of MasterCard International Incorporated. Banking services provided by Wintrust Community Banks. 1. The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, MoneyPass, or Sum surcharge–free networks. Other banks outside the network may impose ATM surcharges at their machines. Surcharge fees assessed by owners of other ATMs outside the network will be reimbursed. Reimbursement does not include the 1.10% International Service fee charged by MasterCard® for certain foreign transactions conducted outside the continental United States. 2. Restrictions on style and quantity may apply. 3. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and People Pay. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar year. People Pay requires a Checking account. Cardless Cash requires a checking account and debit card with the bank and is available only at Wintrust Community Bank ATMs. 4. Overdraft fees may apply.

Wintrust Premier Checking

  • FREE ATMS NATIONWIDE1
  • ONLY $100 NEEDED TO OPEN
  • $10,000 AVERAGE DAILY BALANCE OR $75,000 COMBINED AVERAGE RELATIONSHIP BALANCE FOR THE MONTHLY STATEMENT CYCLE TO AVOID A $25 MONTHLY FEE
  • TIERED AND VARIABLE INTEREST RATE WITH INTEREST PAID MONTHLY WHEN $10,000 MINIMUM DAILY BALANCE IS MET
  • FREE FIRST ORDER OF SPECIALTY CHECKS2
  • WAIVED FEES WHEN PURCHASING MONEY ORDERS, CASHIER CHECKS, AND TRAVELERS CHECKS
  • WAIVED FEES FOR INCOMING WIRE TRANSFERS CREDITED TO YOUR PREMIER CHECKING ACCOUNT
  • WAIVED FEES ON A SAFE DEPOSIT BOX – SMALLEST BOX SIZE OFFERED AT THE BRANCH LOCATION OR EQUIVILENT DISCOUNTS ON A LARGER SIZE BOX
  • ONLINE & MOBILE BANKING3
  • REMOTE DEPOSIT3
  • ONLINE BILL PAY3
  • E-STATEMENTS3
  • PEER-TO-PEER PAYMENTS3
  • CARDLESS CASH3
  • MASTERCARD® DEBIT CARD4


MasterCard is a registered trademark of MasterCard International Incorporated. Banking services provided by Wintrust Community Banks. 1. The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, MoneyPass, or Sum surcharge–free networks. Other banks outside the network may impose ATM surcharges at their machines. Surcharge fees assessed by owners of other ATMs outside the network will be reimbursed. Reimbursement does not include the 1.10% International Service fee charged by MasterCard® for certain foreign transactions conducted outside the continental United States. 2. Restrictions on style and quantity may apply. 3. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and People Pay. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar year. People Pay requires a Checking account. Cardless Cash requires a checking account and debit card with the bank and is available only at Wintrust Community Bank ATMs. 4. Overdraft fees may apply.

 

Wintrust Student Checking

  • AVAILABLE TO STUDENTS 16 TO 25 YEARS OF AGE
  • FIVE FREE NATIONWIDE ATM REFUNDS PER STATEMENT CYCLE1
  • NO MINIMUM BALANCE REQUIRED
  • NO MONTHLY MAINTENANCE FEES
  • NO MINIMUM OPENING DEPOSIT NEEDED
  • ONLINE & MOBILE BANKING2
  • REMOTE DEPOSIT2
  • ONLINE BILL PAY2
  • E-STATEMENTS2
  • PEER-TO-PEER PAYMENTS2
  • CARDLESS CASH2
  • MASTERCARD® DEBIT CARD3 AVAILABLE TO THOSE 18+
  • MYFAMILYCARD PREPAID MASTERCARD AVAILBLE FOR THOSE UNDER 18


MasterCard is a registered trademark of MasterCard International Incorporated. Banking services provided by Wintrust Community Banks. 1. The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, MoneyPass, or Sum surcharge–free networks. Other banks outside the network may impose ATM surcharges at their machines. Bank will reimburse up to 5 national surcharge fees assessed by owners of ATM's outside network per month. Reimbursement does not include the 1.10% International Service fee charged by MasterCard® for certain foreign transactions conducted outside the continental United States. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and People Pay. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar year. People Pay requires a Checking account. Cardless Cash requires a checking account and debit card with the bank and is available only at Wintrust Community Bank ATMs. 3. Overdraft fees may apply.

 

Rewards Checking

  • 1.51% APY on balances up to and including $10,000.00
  • 0.10% APY paid on the portion of balances equal to or greater than $10,000.01
  • 0.01% APY paid your entire balance even if monthly qualification cycle requirements are not met.
  • Refunds on ATM fees up to $20.00 per statement cycle
  • No minimum daily balance and no monthly service charge*
  • No charges per check written
  • $500.00 minimum deposit to open

*1.51% Annual Percentage Yield (APY) is paid on balances between one penny and $10,000.00 when the minimum monthly qualifications are met.  Additionally, 0.10% APY is paid on all balances equal to or greater than $10,000.01 each statement cycle.  If you do not meet the minimum monthly requirements per statement cycle, your account will still function as a free checking account earning 0.01% APY; however you will not receive ATM refunds for that time period.  APY's are accurate as of 6/06/2013.  Rates may change after the account is opened.  Fees may reduce earnings.  Qualifying transactions must post and clear the account during the monthly qualification cycle.  Transactions may take one or more business days from the transaction date to post to the account from the day the transaction is made.  A minimum deposit of $500 is required to open the account.  No monthly minimum service charge.  Personal accounts only.  Overdraft fees and charges for other services may apply.  The bank does not charge its customers a monthly card usage fee.  No transaction charge at any ATM in the Money Pass or Sum surcharge-free networks.  Other banks outside the network may impose ATM surcharges at their machines.  Surcharge fees assessed by owners of other ATMs outside the network will be reimbursed up to $20.00 per statement cycle if requirements are met.  Reimbursement does not include the 1% International Service fee charged by MasterCard in certain foreign transactions conducted outside the continental United States.

Rewards Checking is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded monthly and credited to your account monthly.

Additional Rate Information: Rewards Checking requirements need to be met in order for you to receive the highest rate of interest. 1. Have at least 12 debit card purchases post and clear during the monthly qualification period. 2. Have at least 1 direct deposit OR 1 automatic payment post and clear during the monthly qualification cycle. 3. Enroll to receive electronic statements and access online banking

Platinum Preferred Checking®

  • An interest-bearing checking account
  • No minimum deposit to open
  • No minimum daily balance and no monthly service charge1
  • No limit to the number of checks that may be written per month
  • No charges per check written
  • Free SBOTL Logo checks.
  • Available to customers age 50 or older
  • .125% above our regularly published interest rate on fixed rate CD's, no purchase fees for cashiers checks and money orders compounded and paid. 

 Platinum Preferred Checking is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded monthly and credited to your account monthly.

1  Fees, such as overdraft charges, and fees for special services may apply.

Wintrust Junior Savers

  • AVAILABLE TO INDIVIDUALS UNDER AGE 22
  • VARIABLE INTEREST RATE WITH INTEREST PAID QUARTERLY
  • NO MONTHLY MAINTENANCE FEES
  • NO MINIMUM OPENING DEPOSIT NEEDED
  • NO MINIMUM BALANCE REQUIRED FOR THOSE UNDER 22
  • $200 MINIMUM DAILY BALANCE REQUIREMENT FOR THOSE 22+ TO AVOID A $10 FEE PER QUARTERLY STATEMENT CYCLE
  • EXCESSIVE TRANSACTION FEES MAY APPLY1
  • ONLINE & MOBILE BANKING2
  • REMOTE DEPOSIT2
  • ONLINE BILL PAY2
  • E-STATEMENTS2

1. Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six (6) per month with no transfers by check, draft, debit card, or similar order to third parties. More than six (6) withdrawals in a month may be charged an excess transaction fee. Please see the bank's fee schedule for more details. You may make unlimited ATM withdrawals and unlimited withdrawals in person at a teller window. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar year.

Wintrust Statement Savings

  • VARIABLE INTEREST RATE WITH INTEREST PAID QUARTERLY
  • NO MONTHLY MAINTENANCE FEES
  • NO MINIMUM OPENING DEPOSIT NEEDED
  • $200 MINIMUM DAILY BALANCE REQUIREMENT TO AVOID A $10 FEE PER QUARTERLY STATEMENT CYCLE
  • EXCESSIVE TRANSACTION FEES MAY APPLY1
  • ONLINE & MOBILE BANKING2
  • REMOTE DEPOSIT2
  • ONLINE BILL PAY2
  • E-STATEMENTS2

1. Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six (6) per month with no transfers by check, draft, debit card, or similar order to third parties. More than six (6) withdrawals in a month may be charged an excess transaction fee. Please see the bank's fee schedule for more details. You may make unlimited ATM withdrawals and unlimited withdrawals in person at a teller window. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar year.

Christmas Passbook Savings Account

  • No monthly service charge
  • Interest is compounded and paid quarterly
  • You receive a personalized passbook where all of your deposits are recorded.
  • Withdrawals before maturity are not permitted
  • Account balance will be disbursed by check at the end of the third quarter each year
  • FREE Online Banking and Telephone Banking Services

Accounts closed in person or by mail, will have all accrued interest greater than $1.00 paid at that time of closing.  If the account is closed without notice to the bank, no interest will be paid for the period.

Wintrust Money Market

  • TIERED AND VARIABLE INTEREST RATE WITH INTEREST PAID MONTHLY
  • $100 MINIMUM OPENING DEPOSIT NEEDED
  • $2,500 MINIMUM DAILY BALANCE OR $5,000 AVERAGE DAILY BALANCE REQUIREMENT TO AVOID A $15 FEE PER MONTHLY STATEMENT CYCLE
  • EXCESSIVE TRANSACTION FEES MAY APPLY1
  • ONLINE & MOBILE BANKING2
  • REMOTE DEPOSIT2
  • ONLINE BILL PAY2
  • E-STATEMENTS2


1. Transfers from a money market account to an account of the same depositor at this bank or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, or similar order to third parties are limited to six (6) per month. More than six (6) withdrawals in a month may be charged an excess transaction fee. Please see the bank's fee schedule for more details.  You may make unlimited ATM withdrawals and unlimited withdrawals in person at a teller window. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar year.

Personal Passbook Certificate of Deposit Account

  • Minimum Deposit to open is $10,000.
  • Competitive interest rate
  • Interest is compounded and paid monthly
  • You receive a personalized passbook where all of your transactions are recorded.
  • Make up to two in-person withdrawals per month
  • Unlimited deposits
  • FREE Online Banking and Telephone Banking Services

Fixed Rate Certificates of Deposit

We regularly offer a wide range of fixed-rate certificates of deposit, including the following terms

  • 1 Month
  • 2 Months
  • 3 Months
  • 6 Months
  • 9 months
  • 12 Months
  • 18 Months
  • 24 Months
  • 36 Months
  • 48 Months
  • 60 Months

 

From time to time we offer special fixed rate certificates of deposits with higher minimum balances for other monthly terms.

Interest rates vary depending on the term of the CD. Interest is calculated using the daily balance method. You may not make deposits into the account until the maturity date. Subject to early withdrawal penalties.  See CD for our renewal policy and your options on how interest is calculated and paid.

Minimum balance to open is: 90 day - $99,000, 180 day - $5,000, 1-5 year $1,000 and Jumbo - $99,000


It's Easy To Open This Account

Fill out and submit this application form or come see one of our friendly personal bankers. Also check out our overdraft protection options. Please contact us if you have any questions.