Kids and Young Adults

Home › Solutions for You › Kids and Young Adults
Printer-friendly versionPrinter-friendly version

Kids

Summer

It is never too early to start helping your child develop a healthy respect for money and to help them develop some good financial habits. Encouraging children at an early age to start saving money can lead to some very good habits and attitudes about money that will help them through their lifetime. As your child grows so should their financial accounts. We’ve developed a suite of products from childhood to adulthood to help your child grow in their financial knowledge.

Junior Savers

  • AVAILABLE TO INDIVIDUALS UNDER AGE 22
  • VARIABLE INTEREST RATE WITH INTEREST PAID QUARTERLY
  • NO MINIMUM OPENING DEPOSIT NEEDED
  • NO MINIMUM BALANCE REQUIRED FOR THOSE UNDER 22
  • $200 MINIMUM DAILY BALANCE REQUIREMENT FOR THOSE 22+ TO AVOID A $10 FEE PER CALENDAR QUARTER
  • EXCESSIVE TRANSACTION FEES MAY APPLY1
  • ONLINE & MOBILE BANKING2
  • REMOTE DEPOSIT2
  • E-STATEMENTS2

1. Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six (6) per calendar month with no transfers by check, draft, debit card, or similar order to third parties. More than eighteen (18) withdrawals in a calendar quarter may be charged an excessive transaction fee. Please see the bank's fee schedule for more details. You may make unlimited ATM withdrawals and unlimited withdrawals in person at a teller window. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and PeoplePay. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank and has had no more than six overdraft occurrences within the past or current calendar year. PeoplePay requires a Checking account with the Bank for at least 30 days. PeoplePay may have age restrictions. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs.


Young Adults

Students

As your children grow and become responsible young adults, their financial needs grow too. Help them learn more about financial responsibility by selecting some of the products below.

Student Checking

  • AVAILABLE TO STUDENTS 13 TO 25 YEARS OF AGE
    *Applicants under the age of 18 must open account jointly with a parent, legal guardian, or other adult.
  • FIVE FREE NATIONWIDE ATM REFUNDS PER STATEMENT CYCLE1
  • NO MINIMUM BALANCE REQUIRED
  • NO MONTHLY MAINTENANCE FEES
  • NO MINIMUM OPENING DEPOSIT NEEDED
  • ONLINE & MOBILE BANKING2
  • REMOTE DEPOSIT2
  • ONLINE BILL PAY2
  • E-STATEMENTS2
  • PERSON-TO-PERSON PAYMENTS2
  • CARDLESS CASH2
  • DEBIT CARD3 AVAILABLE TO THOSE 13+

1. The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, MoneyPass, or Sum surcharge–free networks. Other banks outside the network may impose ATM surcharges at their machines. Up to five (5) surcharge fees assessed by owners of other ATMs outside the network will be reimbursed per statement cycle. Reimbursement does not include the 1.10% International Service fee charged for certain foreign transactions conducted outside the continental United States. Surcharge reimbursements do not apply to transactions preformed on prepaid cards. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and PeoplePay. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank and has had no more than six overdraft occurrences within the past or current calendar year. PeoplePay requires a Checking account with the Bank for at least 30 days. PeoplePay may have age restrictions. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs. 3. Overdraft fees may apply.
 

Accounts that most of our customers like you choose

MasterCard Debit Card

Our MasterCard Debit Card provides the convenience of allowing you to draw from your account without the hassles of writing a check.

Simply use the card to pay for retail transactions wherever MasterCard is accepted. The card will automatically deduct the purchase from your checking account. And that transaction will be recorded on your monthly checking account statement. Now you can replace your current ATM card and checks with one easy-to-use card.

  • Features & Benefits
  • Direct access to your checking account wherever MasterCard is accepted—9 million merchants and 190 countries worldwide
  • No check writing hassles
  • No additional identification may be required
  • No interest or finance charges apply
  • No PIN number needed on signature based transactions
  • Can be used instead of an ATM card at SUM and MoneyPass ATMs in the Chicagoland area
  • After Hours Toll Free phone number to report your card lost or stolen. Just call 1-800-236-2442 after our normal business hours.

It's Easy To Apply For This Card

Come into any of our convenient bank locations and see one of our friendly Personal Bankers.