Back for 2026, Old Plank Trail Community Bank, a Wintrust Community Bank, is offering up to a $500 bonus when you open a new Total Access Checking account and establish a recurring direct deposit for 2 months. This is now a tiered offer, the more you can direct deposit, the larger your bonus. It's a solid bonus with easy requirements, so if you live in their footprint, we recommend grabbing this offer!
Keep in mind that if you earn this bonus, you're no longer eligible for any similar bonuses with Wintrust's subsidiaries.
How To Earn The Bonus
The Old Plank Trail Community Bank Total Access Checking promotion requires you to set up eligible direct deposits in order to earn the up to $500 bonus (step-by-step breakdown is listed above!).
As with any offer, don't forget to read the fine print before opening your new account. It's where the bank will clearly state who is eligible for the deal along with any nuances you'll want to be aware of.
The fine print
- Not available to existing or closed checking and/or savings account customers of Wintrust Financial Corporation (‘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 this Total Access Checking and/or Statement Savings account bonus offer, you are ineligible to receive the same bonus offer or any other interest rate offer in the same product from any other WTFC location.
- Example of direct deposit timing: 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.
- 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, bonus payment will be deposited into your new account within 30 calendar days after the Qualification Period.
Open a Total Access Checking account before the bonus expires on November 3, 2026
How does this personal checking offer from Old Plank Trail Community Bank compare?
To help you determine how this bonus stacks against the rest, here are some of the most popular offers available right now:
BMO
Personal Checking
- Bonus
- $400 Cash Bonus*
- Account Type
- Personal Checking
- Expires In
- 26 days
- Requires
- Direct Deposit
Bank of America
Advantage Banking Account
- Bonus
- up to $500
- Account Type
- Personal Checking
- Expires In
- 29 days
- Requires
- Direct Deposit
Chase
Chase Total Checking®
- Bonus
- $300
- Account Type
- Personal Checking
- Expires In
- 19 days
- Requires
- Direct Deposit
Why Old Plank Trail Community Bank?
Headquartered in New Lenox, IL, Old Plank Trail Community Bank is a subsidiary of Wintrust Community Bank. It was established in 2006, and has grown to 15 locations throughout the state. They offer products and services for personal, small business, and commercial needs.
Total Access Checking
Total Access Checking is Old Plank Trail Community Bank's most popular checking account. You'll get all of the standard features you'd expect: mobile deposit, bill pay, debit alerts, and Zelle payments.
At ATMs, you can expect no fees (they'll refund all out of network surcharges, even!), and you can use your phone as your debit card (they call it "Cardless Cash").
Total Access Checking has no minimum balance requirements and no monthly fee. It does require a $100 opening deposit, however.
Fees
Total Access Checking does not charge a monthly maintenance fee.
Apply now for a Total Access Checking account to earn the up to $500 bonus offer
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