We can meet you where you are and help you get where you want to be. Money Smart Checking® is the account designed to help you manage and save money without worrying about overdraft fees or maintenance costs.
When you open a new Money Smart Checking® account, you don’t just get the benefits that come with it. You also get a relationship with a bank that cares about you, your needs, and this area. Join our family to see what community banking is all about.
1. Overdrafts. We decline or return transactions when you do not have enough money in your account to cover the charge. Some transactions could still cause a negative account balance, like when a transaction is approved for one amount but the actual charge is more. Example: if you add a tip for a meal after the transaction was approved, the full payment may go through and could result in a negative balance. If your balance is negative, you will not be charged an overdraft fee.
2. Digital Banking Services. Online or mobile banking is required to access Zelle®. Internet/mobile connectivity is required. Mobile banking is required to access remote deposit capture. Deposits made through mobile banking or remote deposit capture are subject to deposit limits and funds are typically available by next business day. Deposit limits may change at any time. Third-party message and data rates may apply. Other restrictions apply. For more information go to:wintrust.com/agreement-and-disclosure.
3. ATM Fees. There is no Wintrust Financial Corporation (‘WTFC’) transaction charge at any ATM in the Allpoint, ATM Access (Town Bank customers only), MoneyPass, or Sum surcharge-free networks. Other banks outside the network may impose ATM surcharges at their machines. Up to 6 surcharge fees assessed by owners of other ATMs outside the network will be reimbursed each calendar month. Reimbursem*nt does not include the 1.10% International Service fee charged for certain foreign transactions conducted outside the continental United States.
4. Optional Dollar-A-Day Savings Service. Savings account must be opened at the same Wintrust Community Bank as the checking account. A listing of WTFC locations can be found here: wintrust.com/locations.
