Whether you've just moved to the area or are a longtime resident, the OP NOW Account™ offers a whole bundle of benefits that have no fees. You can utilize some or all of the following benefits:

• An interest bearing NOW Checking Account
• No monthly service charge and no minimum monthly balance¹
• FREE first order of specialty checks
• Checking, savings and CD balances go into one combined monthly statement
• NO ANNUAL FEE ATM or MasterCard Debit Card
• Free access to SUM and MoneyPass ATMs in the Chicagoland area
• NO ANNUAL FEE Credit Card²
• FREE 3" x 5" Safe Deposit Box for 1 Year⁴
• FREE imaged checks with CheckManager Plus®
• FREE on-line banking and telebanking
• FREE bill pay
• FREE Quicken and Microsoft Money download capabilities
• No FEE Traveler's Checks, Money Orders and Cashier's Checks
• NO ANNUAL FEE Overdraft Protection²
• 1/4% discount on installment loans with auto-debit
• A low rate Home Equity Line of Credit with no closing costs³

To take advantage of some or all of these benefits, all you have to do is open an OP NOW Account™ for $100.

Our SimpleSwitch® system makes switching your bank accounts, direct deposit and automatic bill payment very simple. Fill out and submit this application form or come see one of our friendly personal bankers. Overdraft protection also available.

¹ Penalty fees, such as overdraft charges, and fees for special services may apply. ² Subject to approval. ³ Please call the bank for disclosure on this product. ⁴ Or the equivalent toward a larger box.

Our SingleSolution Checking™ Account is the only account you'll ever need.  It is a checking account that rewards higher account balances with higher interest rates.

• Interest bearing checking where your rate increases with your balance!  See a Personal Banker for the most current rates.
• May be opened with a deposit of $100
• There is a minimum daily balance of $1,000 required to avoid a monthly service charge of $18
• FREE first order of specialty checks¹
• Unlimited check writing

Our Money Market Account combines liquidity and convenience in a tiered variable-rate, interest-bearing account with limited check-writing privileges.

Features & Benefits

• Minimum Daily Balance of only $1,500.00 to avoid a monthly service fee
• Higher interest rates than a typical Savings Account
• Unlimited deposits and up to six preauthorized debits at no charge
• Unlimited withdrawals when made in person or by ATM, mail or messenger at the bank
• FREE On-line Banking and Telebank

• No minimum balance to open the account
• Minimum Daily Balance requirement of only $250.00 to avoid a $5.00 Quarterly fee.
• You receive a personalized passbook which must be presented each time you make a deposit or withdrawal, where all of your transactions are recorded
• Interest is compounded and paid quarterly

• No minimum balance to open the account
• Minimum Daily Balance requirement of only $250.00 to avoid a $5.00 Quarterly fee.
• Interest is compounded and paid quarterly
• Statements conveniently combined with your monthly checking statement OR sent quarterly
• Transfer funds as needed to your checking account with Telebank or FREE online banking with up to six preauthorized debits per month at no charge. 
• Savings transfer overdraft protection at only $5.00 per transfer

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

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

We offer fixed-rate home equity loans and variable rate home equity lines of credit. In addition to offering you some of the best interest rates around and low fees, we also provide superior service to ensure that you are completely satisfied.

Our home equity loans or lines can be used for a variety of purposes, may be tax deductible (consult your tax advisor) and provide a lower cost way to borrow for:

• Improving your home
• Purchasing a vehicle
• Affording a much needed vacation
• Paying off medical bills
• Funding education
• Consolidating debt
• Paying off a credit card balance while lowering your cost of borrowing

Products & Programs

• Fixed Rates (with flexible terms)
• Adjustable rates (with Prime Rate as index)
• Up to 80% loan to value
• Applicants must meet underwriting guidelines
• Your interest rate is set by the amount of your loan or line. 

Products & Programs

• Overdraft Protection Account—Allows you to cover the unexpected opportunity or the occasional overdraft
• Flexible line amounts
• Competitive interest rates
• Requires Credit Approval

Please call us at 708-460-1100 or contact us for more information.

Products & Programs

• Flexible terms
• Quick turnaround
• Competitive rates
• New or used vehicles
• Loan to value up to 100% for new and up to NADA loan value or Kelley Blue Book loan value for used

Please call 708-460-1100 and talk to one of our friendly Personal Bankers for more information.

While some community banks may not be known for full service mortgage lending operations, we have it all: years of experience, hundreds of loan programs and pricing options, all coupled with the client-focused service that you have come to know from us. Our mortgage professionals have weathered the ever-changing real estate market.  To complement the basic Conventional, FHA and VA Programs, we are positioned to meet the needs of the continually evolving market demands.

Our highly skilled staff is dedicated to providing service that exceeds the expectations of the customer.  By staying abreast of technological advancements, our mortgage professionals can provide low-cost products and services to our customers.  As a result, you will find your experience with us surpasses that of any other lender you have dealt with in the past.

Loan Programs include:

• We Offer a Complete Line of Loan Programs for Every Buyer
• Pre-Qualifications Seven Days a Week
• Fixed and Adjustable Rate Mortgages
• Jumbo Loans
• FNMA and FHLMC Conventional Financing
• FHLMC, FHA & VA
• 2nd Mortgages and Home Equity Lines of Credit (HELOC)
• HECM or Home Equity Conversion Mortgages - “Reverse Mortgages” Available in Most States

Contact Us

If you are interested in a mortgage, please contact us at 708-460-1100.  If you would like to apply online, please click here.

Mortgage Lending is provided through our affiliate Wintrust Mortgage. Wintrust Mortgage is an Equal Opportunity Employer and an Equal Housing Lender.
Wintrust Mortgage is a division of Barrington Bank & Trust, N.A., NMLS # 449042, a Wintrust Community Bank.