which is fair compared to the average U.S. bank. Wintrust Bank's eleven-month and thirty-three term lengths CDs earn at a rate of 5.00% and 3.50%, respectively, while its highest-yielding money market account earns at an APY of 0.20%. Given its noncompetitive savings rate, you should think about opting for higher earning savings accounts with other banks.

With no monthly fee, Wintrust Bank is ideal for people who want a basic banking experience. For those who will need cash in a pinch, Wintrust Bank is perfect because it has no out-of-network ATM fees. Additionally, at $35.00, it has a moderate overdraft fee compared to the average U.S. overdraft fee. Wintrust Bank reimburses any incurred out-of-network ATM fees, which gives convenient access to cash at any time.

with 175 total bank locations in , , , , and . With mobile and web apps, Wintrust Bank makes account access straightforward, even on the go. Wintrust Bank's online and mobile banking services get poor scores from customers. The Wintrust Bank mobile app rates a 3.0 out of 5 (with 541 customer reviews on Apple and Android) compared to the national average of 3.8. Wintrust Bank's mobile app allows you to manage your accounts by monitoring current statements, sending and receiving funds as well as accessing support representatives. Wintrust Bank receives an excellent consumer satisfaction rating based on comparatively few complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.