Rockford Community Bank is a branch of St. Charles Bank & Trust Company, N.A. 1. Money Market Special. Offer expires 9/30/22. The Annual Percentage Yield (APY) of 1.50% will be guaranteed for 12 months from the date the account is opened on entire balance with qualifying activities. After 12 months, the rates may be tiered and variable and subject to change at the bank’s discretion. APY is accurate as of 7/1/22. Transaction limitations may apply. Fees may reduce earnings. Minimum balance to obtain APY is $0.01. 2. Money Market Special Bonus Qualifications. (i) Open a new Money Market account, (ii) tell us you are aware of this Money Market account bonus offer at account opening; (iii) Deposit New Money into the new Money Market account at account opening. New Money is any money that is not currently held in an account at a Wintrust Financial Corporation (‘WTFC’) Community Bank; (iv) Maintain a consumer checking account at the same WTFC Community Bank as your new Money Market account for the entire Qualification Period described immediately below. The checking account must be opened on or before the date of your new Money Market account; (v) have at least monthly occurring direct deposits each month made to your checking account for 2 consecutive calendar months after the calendar month your new Money Market account was opened (‘Qualification Period’). For example, if you open your new account in January, you would need to have “Direct Deposits” made to your new account in February and March within the Qualification Period. A direct deposit is defined as any payment made by a government agency, employer, or other third-party organization that is made via an electronic deposit. A direct deposit does not include teller/ATM/mobile or remote deposits, wire transfers, online banking/telephone transfers between accounts at WTFC, external transfers from other accounts at other financial institutions or ATM/debit card transfers and deposits. At the end of the Qualification Period, your new Money Market account must be open, in the same product and have a balance greater than zero to receive the promotional interest rate. If qualifications are not met within the Qualification Period, your interest rate will revert to our standard Money Market pricing. 3. Money Market Special Fees. A maintenance fee of $15.00 will be imposed every statement cycle if the daily balance on any day of the statement cycle falls below $2,500.00. If you maintain an average daily balance of $5,000.00 for the monthly statement cycle the minimum balance maintenance fee will be waived. 4. New Money. New money is defined as money not currently held at any Wintrust Community Bank. 5. Premier Checking Fees. A maintenance fee of $25.00 will be imposed every statement cycle unless you maintain either an average daily balance of $10,000.00 or a combined average relationship balance of $75,000.00 for the monthly statement cycle. Fees may reduce earnings. 6. Access Plus Checking Fees. A maintenance fee of $10.00 will be imposed every statement cycle unless you maintain either an average daily balance of $1,000.00 or an average balance of $25,000.00 for the monthly statement cycle. Fees may reduce earnings. 7. General Access Plus Checking, Premier Checking, & Total Access Checking Bonus Information. These bonus offers are valid for new accounts opened January 1, 2022 through December 31, 2022. These bonus offers are not available to existing or closed checking account customers of WTFC and its subsidiaries or its active employees. Limit 1 bonus payment per customer, regardless of the number of accounts opened. If you qualify for one of these bonus offers, you are ineligible to receive another bonus offer from any other WTFC location. If you qualify for any other WTFC savings offer it may be combined with one of these bonus offers. Your new account must be open, in the same product, and have a balance greater than zero to receive the bonus payment. Balance is determined as of the end of each Business Day as the funds currently in your account including deposits and withdrawals made in the Business Day. The $300.00 bonus payment is subject to IRS 1099-INT reporting and may be considered income for tax purposes for the tax year in which the bonus was paid. 8. Access Plus Checking, Premier Checking, & Total Access Checking Bonus Qualifications. (i) Open a new Access Plus, Premier Checking, or Total Access Checking account, (ii) tell us you are aware of this account bonus offer at account opening; (iii) have at least monthly occurring direct deposits totaling $500.00 or more each month made to your new account for 2 consecutive calendar months after the calendar month your new account was opened (‘Qualification Period’). For example, if you open your new account in January, you would need to have “Direct Deposits” made to your new account in February totaling $500 or more and in March totaling $500 or more; and (iv) enroll in online banking and activate e-statements within the Qualification Period. A direct deposit is defined as any payment made by a government agency, employer, or other third-party organization that is made via an electronic deposit. A direct deposit does not include teller/ATM/mobile or remote deposits, wire transfers, online banking/telephone transfers between accounts at WTFC, external transfers from other accounts at other financial institutions or ATM/debit card transfers and deposits. After you have completed all the above bonus qualifications, we will deposit the bonus payment into your new account within 30 calendar days after the Qualification Period. 9. Specialty Checks. Restrictions on style and quantity may apply. 10. Safe Deposit Box. Safe deposit boxes are non-FDIC insured. Waived fee is on smallest box size offered at the branch location or equivalent discount to a larger size box. 11. ATM Fees. There is no WTFC transaction charge at any ATM in the Allpoint, ATM Access (Town Bank customers only), MoneyPass, or Sum surcharge-free networks. Other banks outside the network may impose ATM surcharges at their machines. Surcharge fees assessed by owners of other ATMs outside the network may be reimbursed depending on account type opened. Reimbursement does not include the 1.10% International Service fee charged for certain foreign transactions conducted outside the continental United States. 12. Free Coin Counting. Free coin counting available for consumer households, business customers, and nonprofits. Fees may apply for non-customer businesses. 13. Junior Savers Club. Membership is for those under the age of 22 with a customer relationship. See a personal banker for more details. 14. Platinum Adventures Club. Membership is for those 50 years of age or better with a customer relationship. See a personal banker for more details. A listing of WTFC locations can be found here: wintrust.com/locations.