Printer-friendly versionPrinter-friendly version

The choice of investments for your retirement funds is never easy. The funds you have saved for your retirement deserve special attention. How much you save and the returns on those funds may be the difference between being able to have the lifestyle you want during retirement or being forced to accept something less. We have many options for your money and want to help you manage your money in the best way possible. This time in your life may be the most enjoyable and relaxing. We want to help you enjoy the ride.

PlatinumPreferred® Account

We have developed an attractive combination of products and services to meet the banking needs of customers who have reached the age of fifty. It's called the PlatinumPreferred® Account, and it offers the following benefits:


  • Interest bearing NOW Checking Account
  • No minimum balance and no monthly fee1
  • Tiered account interest - the higher the balance, the higher the rate
  • FREE initial supply of checks2
  • NO ANNUAL FEE ATM or MasterCard debit card
  • FREE access to SUM and MoneyPass ATMs in the Chicagoland area
  • FREE small size safe deposit box for one year (or equivalent savings off a larger box)3
  • FREE Traveler's checks-no service charge on the purchase of American Express Traveler's Checks
  • FREE Cashier's Checks-no service charge on the purchase of Cashier's Checks
  • FREE Notary and FREE Signature Guarantees
  • FREE money orders
  • FREE direct deposit of payroll, benefit, and dividend checks
  • FREE imaged checks with CheckManager Plus®
  • FREE On-line Banking and Telebank
  • FREE Bill Pay
  • FREE Quicken and Microsoft Money download capabilities
1  Fees, such as overdraft charges, and fees for special services may apply.
2  ¹Limitations apply on type of check and quantity ordered.
3  Subject to availability.
4  Excludes CD Special Rates

Total Access Checking

Our Total Access Checking Account offers incredible opportunities to satisfy your financial needs.

  • Free ATMs Nationwide – The surcharge fee assessed by the owner of the ATM will be reimbursed. (Reimbursement does not include the 1% International Service Fee charged by MasterCard for certain transactions conducted outside of the continental United States.)1
  • May be opened with an initial deposit of $100
  • $18.00 monthly service fee if minimum balance of $5,000 not maintained (waived for the first month pending receipt of direct deposit)
1  Excluding International Transactions.

Fixed Rate Certificates of Deposit

We regularly offer a wide range of fixed-rate certificates of deposit, including the following terms

  • 1 Month
  • 3 Months
  • 6 Months
  • 12 Months
  • 18 Months
  • 24 Months
  • 30 Months
  • 36 Months
  • 48 Months
  • 60 Months

Minimum balance to open a fixed-rate certificate of deposit is $1,000.


Variable Rate Certificate of Deposit

Many of our customers use a Variable Rate CD in place of a Money Market Account because you typically earn higher rates than competitive money markets.

Variable Rate CD-Features & Benefits

  • Convenient access to your money as long as you maintain the minimum balance
  • Unlimited deposits and withdrawals1
  • Earn market rates, better than most money markets
  • Interest rates are based on the 91-day Treasury Bill Rate, and are subject to change weekly
  • Convenience of calling or visiting your personal banker to add to or access your money
  • Your account earns interest which is compounded and paid monthly
  • FDIC Insured
  • Receive monthly statements


Please contact us if you have any questions.

You may also be interested in:

The Good Life Program

Good Life Logo

The Good Life Club is a unique travel and activities group for our customers age 50 or better.  Join our club for great opportunities to meet new people, make new friends and enjoy activities such as:

•  Day trips to interesting and unusual sights in Chicago and neighboring communities, such as trips to the latest museum exhibits and theater productions incorporating delicious meals in our adventures whenever possible
•  Extended travel to domestic and international destinations.  Our adventures will travel in style with deluxe transportation and superior accommodations 
•  Informative seminars on timely topics

Joining the club is free and simple.  If you are at least 50 years of age and have $2,500.00 in a checking or savings account, you are eligible!  The only expense you incur is the cost of the events and trips you attend.

Please stop by the bank today to visit with a personal banker, fill out an application card and pick up the latest calendar of events.  You can also call the bank to have an application card and calendar of events mailed to you.  For further information contact Sara or Lin at 773-883-4144.

Upcoming Events

For upcoming events please Click Here to download the latest update of events.

Reservation Policy

Reservations may be made by phone to Sara or Lin at 773-883-4144 or by email to In an effort to better serve you, reservations for trips can be called in and will be held for two weeks. At that time, payment is due and if it is not received your ticket will be released. Please note that we are not able to contact you to see if you still want the ticket. Payments can be deducted from your Wintrust Community Bank account by completing the Reservation Form. Full refunds will be given up to the time the bank purchases the event tickets. To receive a full refund on cancellations less than one month prior to the event date or prior to our purchase, we must be able to sell your ticket to another interested member. Terms and conditions of the Good Life Program are subject to change. Some restrictions may apply.


First Chicago Bank & Trust is acting in the capacity of extending this invitation to travel to the Good Life Members and their guests. I further understand that the Bank reserves the right to refuse acceptance to anyone it judges incapable of meeting the rigors and requirements of participating in any activity or trip at any time. In making application for any and all trips, the participant waives any claim against the Bank and/or its representatives for injury, damage, loss, accident, delay or irregularity which is caused by any act of error or omission on the part of the Bank, their representative/s, or any transportation company or other suppliers.