Who qualifies for the Wintrust $500 bonus?

This bonus is available to new customers only, residents of IL, WI, MI, IN, FL.

How long does it take to earn the Wintrust bonus?

You can complete the requirements in 90 days. After qualifying, the bonus is typically credited within 30 days. Total time from account opening to bonus: approximately 120 days.

What are the requirements for the Wintrust bonus?

Set up direct deposit of $500/month. Maintain minimum balance of $0. Deposit at least $100 within 30 days.

Are there any fees for the Wintrust Total Access Checking?

No, this account has no monthly maintenance fees and no early closure fee.

Is the Wintrust $500 bonus worth it?

The Wintrust bonus offers $500 in value. With no fees to worry about, you keep the full bonus amount.

BankOffers.app

CheckingEasy

Wintrust $500 Bonus

Total Access Checking

Expires: November 3, 20265 states

Last verified: January 10, 2026View official bank terms →

Bonus Amount

$500

Apply Now

Direct Deposit

$500/month

Time to Qualify

60-90 days

Payout Time

30 days

💡 Quick Answers

Who qualifies?

New customers only. Available in 5 states.

Fastest way to earn

Complete requirements in 90 days. Bonus arrives within 30 days after qualifying.

Key requirements

• Direct deposit of $500/mo
• Maintain $0 balance
• Deposit $100 within 30 days

Fees & gotchas

• No monthly fee ✓
• No early closure fee ✓

Is it worth it?

$500 bonus with no fees to worry about. Full bonus value! Requirements are straightforward—good for bonus beginners.

🧮 Calculate your personalized net value →

✅ How to Qualify

1Open a new Total Access Checking account
2Enroll in online banking & e-statements within the Qualification Period
3Have qualifying direct deposits for 2 consecutive calendar months

Bonus Tiers

$500+ in direct deposits each month for 2 consecutive months$300

$2,000+ in direct deposits each month for 2 consecutive months$500

📅 Timeline

Day 1

Open Account

Open a new Total Access Checking account with $100 minimum deposit

Within 90 days

Set Up Direct Deposit

$500/month direct deposit for 2 months

30-30 days after qualifying

Receive Bonus

Bonus credited to your account

💵 Fees & How to Avoid Them

Monthly Fee$0 ✓

Early Closure Fee$0 ✓

✓ No monthly fees or early closure fees!

⚠️ Things to Watch Out For

•New customers only - existing customers do not qualify
•Promo code required at account opening

❌ You Won't Qualify If...

•You currently have or previously had an account with this bank
•You have any existing account with this bank
•You don't live in: IL, WI, MI, IN, FL

📍 Available States

ILWIMIINFL

Wintrust operates bank retail locations in greater Chicago (IL), southern Wisconsin, west Michigan, northwest Indiana, and southwest Florida.

Ready to Earn $500?

Click below to apply directly on Wintrust's website.

Apply for Wintrust Bonus

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BankOffers.app is not affiliated with Wintrust. Always verify offer details, terms, and conditions directly with the bank before applying. Bank bonuses are typically considered taxable income.