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Getting Started With Your New Checking Account
Everything you need to know about the features and perks of your new Total Access Checking account.
Getting Started With Your New Checking Account
Everything you need to know about the features and perks of your new Total Access Checking account.
Welcome to your new Total Access Checking account! Thank you for choosing to bank with us. As a local bank, we’ve built a checking account that supports the people who live here, regardless of where they are in their financial journey.
Our Total Access Checking account offers great benefits that are yours to use however you see fit — for spending money, everyday expenses, regular transactions, and everything in between. To help you get started, we’ve created a handy guide to introduce you to your new account and its features.
Enroll in online banking1
If you haven’t already, be sure to enroll in online banking. Grab your new debit card or have your account number handy, then head to the website of the branch where you opened your account. Click the Login link in the top right corner to access the Wintrust Digital Banking login screen. There, click Not enrolled? Sign up now to get started. Enter your account information, then create a user ID and password.
Now, you’re able to set up online bill pay, e-statements, and more for a seamless banking experience. Activate mobile banking by downloading our Wintrust Community Banks mobile app and entering this same login information on your device so you can bank wherever you may be!
Access remote deposit services
No time to visit the bank in person? No worries! Your Total Access Checking account makes it easy to deposit checks remotely1 from your phone via the mobile app. All you have to do is select mobile deposit from the bottom menu, then snap a photo of the front and back of your check. Confirm the amount you’re depositing, give the details one last look, then click Approve.
Send money fast, safe, and easy with Zelle®2
Zelle® is an easy way to send and receive money from friends, family, and people you know and trust. With just an email address or mobile phone number, you can use Zelle® to send money to almost anyone with a bank account in the U.S. Eligibility requirements may vary depending on where your recipient banks.
We have partnered with Zelle® to offer a unique experience to our customers. There is no fee for our customers to use Zelle®.
With Zelle®, funds typically arrive in minutes when the recipient is already enrolled. For recipients not yet enrolled with Zelle®, funds are available within minutes once the recipient enrolls. Dollar and frequency limits apply to all transactions. You can find more details here.
Never pay another ATM fee again3
Lucky for you, our Total Access Checking customers can use any ATM for free! Not only is your bank part of a broad network of surcharge-free ATMs you can take advantage of, but we also reimburse any out-of-network ATM fee you pay nationwide. The only thing to note is that reimbursement does not include the 1.10% International Service fee charged for certain transactions outside the U.S.
Make your account safety a priority by enacting debit card controls today. To manage your preferences, head to the mobile app and click on Quick Actions from the main menu and then click Manage Your Cards from the next menu. All of your eligible cards should automatically appear on the card details screen.
Manage bill payments
Wouldn’t it be nice to manage your bill payments in one place instead of all across the internet? Wintrust Digital Banking can help.1
After you’ve enrolled in bill pay services through online banking (see Item 1 in this checklist), you can set up and manage your various bill payments through your Total Access Checking account. Just open the mobile app, click Quick Actions, and use the navigation bar menu to select Make A Quick Payment. This menu is where you’ll add, edit, and delete bill payees.
You can either select from the list of available payees that generates, or click on Add a Payee if that payee is not in the list yet.
To add a payee, under the Payments menu select Payees then select Add a Payee and enter the name of your payee — such as the name of your electric company or TV and internet services provider.
If we have payee information on file, you only need to enter the nickname and account number. If payee information is not on file, enter the payee’s nickname, account number, and address. Once all information is entered, click Done and you’re all set!
To edit or delete a payee, choose the payee from the list of existing payees, click Edit to enter updated information, then click Update. Or tap Delete to remove payee.
Questions?
Our bank’s team of experts provides guidance and direction not just when you get started, but at every step along the way. Contact your banker for assistance or reach out to us here!
1. 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: www.wintrust.com/agreement-and-disclosure.
2. Zelle®. Zelle® is intended for sending money to family, friends and people you know. U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. Dollar and frequency limits apply. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
3. ATM Fees. No Wintrust Financial Corporation (‘WTFC’) transaction charge at ATMs in the Allpoint, ATM Access (Town Bank customers only), MoneyPass, or Sum networks. Banks outside the network may impose ATM surcharges. Surcharge fees assessed by owners of ATMs outside the network will be reimbursed. Reimbursement excludes 1.10% International Service fee for certain foreign transactions conducted outside the continental U.S. A listing of WTFC locations can be found here: www.wintrust.com/locations.