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Our FDIC-insured Savings Accounts are variable-rate interest-bearing accounts. Please select a product below for more information.

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.