Wintrust Bank has expanded its $500 combined bonus offer to
include Michigan (MI) residents. The offer is also available in Illinois
(IL), Florida (FL), Wisconsin (WI), and Indiana (IN) and runs through July
31, 2025.
Direct link to offer: IL | FL | IN | WI
Wintrust Bank $300 Checking + $200 Savings Bonus Now Available in MI
Overview
Wintrust Bank is offering a compelling bonus package:
- $300
for opening a qualifying checking account
- $200
for opening a new savings account
Eligible participants can earn up to $500 in total
when they meet the specified deposit and balance requirements. The accounts
must be opened through designated community banks or affiliate websites based
on the applicant's state of residence.
$300 Checking Bonus Details
Who Is Eligible?
- Residents
of IL, FL, WI, IN, and MI
- New
customers only (no prior Wintrust checking accounts)
- U.S.
citizens aged 18 or older
Steps to Qualify:
- Open
a Total Access Checking account (or similarly named account at an
affiliated bank).
- Enroll
in online banking and activate eStatements.
- Receive
at least $500 in direct deposits in two consecutive calendar months
following the month the account was opened.
Bonus Timeline:
- The
$300 bonus is paid within 30 days after completing all
requirements.
$200 Savings Bonus Details
Eligibility:
- Must
open a Statement Savings account alongside the checking account.
- Available
to residents in all five eligible states.
Steps to Qualify:
- Deposit
$15,000 or more into the savings account during the month of
account opening.
- Maintain
a $15,000+ balance for three consecutive months.
Bonus Timeline:
- The
$200 bonus is credited within 30 days after completing the balance
maintenance period.
State-Specific Notes
Michigan (MI)
- As
of May 19, 2025, the bonus offer is officially available in Michigan via
Wintrust's expansion in the state.
- Applications
can be completed through the Macatawa Bank website or in-person at
Wintrust locations in Michigan.
Florida (FL)
- Florida
residents may need to verify zip code eligibility when applying.
- Applications
must be submitted through the correct affiliate site based on location.
Illinois (IL), Wisconsin (WI), Indiana (IN)
- Use
local community bank websites (such as Town Bank, Dyer Bank & Trust,
etc.) to apply.
- Check
local branch participation if applying in person.
Tips to Maximize Your Bonus
- Set
up direct deposit early. Make sure at least $500 posts in two separate
months after the account opening month.
- Enroll
in eStatements immediately to avoid disqualification.
- Open
both accounts at the same time to streamline the process.
- Maintain
the savings balance without dropping below $15,000 for three full
months.
- Watch
for deadlines. The offer expires on July 31, 2025.
Things to Watch Out For
- ChexSystems
is used to screen applicants. Negative records may result in denial.
- No
hard credit pull is involved, only a soft inquiry.
- No
early account closure fees, but you must keep the account open until
the bonus is paid.
- Some
maintenance fees may apply if monthly account conditions are not met.
Final Thoughts
Wintrust Bank’s combined $500 promotion stands out for its
relatively simple requirements and wide regional availability. Whether you're
looking for a new banking relationship or just a high-value bonus, this offer
is a strong contender—especially now that it’s available in Michigan. Be sure
to open your accounts before July 31, 2025, and carefully follow the
steps to ensure you receive the full reward.