Town Bank
Town Bank Total Access Checking $300 – $500 Bonus
Town Bank pays you $300 for $500 or more in monthly direct deposits, or $500 for $2,000 or more in monthly direct deposits, in each of the two calendar months after you open a new Total Access Checking account. You also enroll in online banking and e-statements. No monthly fee and no minimum balance.
- Bonus range
- $300 – $500
- Expires
- Nov 3, 2026
- Time to complete
- ~90 days
- Bonus deposited in
- ~120 days
- Difficulty
- Easy
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Requirements
Last verified: Oct 6, 2026
$300 Tier
Open an account
Open a new Total Access Checking account with a $100 minimum opening deposit between May 13 and November 3, 2026, online or at a Town Bank branch in Wisconsin. The promo code is applied automatically from the offer page. If you apply another way, enter promo code Builder or mention the offer in branch.
Enroll in online banking and e-statements
Enroll in online banking and activate e-statements within the qualification period (the two full calendar months after the month your account is opened).
Receive monthly direct deposits
Receive direct deposits totaling $500 or more in each of the two consecutive calendar months after the month your account is opened.
$500 Tier
Open an account
Open a new Total Access Checking account with a $100 minimum opening deposit between May 13 and November 3, 2026, online or at a Town Bank branch in Wisconsin. The promo code is applied automatically from the offer page. If you apply another way, enter promo code Builder or mention the offer in branch.
Enroll in online banking and e-statements
Enroll in online banking and activate e-statements within the qualification period (the two full calendar months after the month your account is opened).
Receive monthly direct deposits
Receive direct deposits totaling $2,000 or more in each of the two consecutive calendar months after the month your account is opened.
The bonus is deposited into your account within 30 calendar days after the two-month qualification period ends.
Account Details
Eligibility
Not available to current or former personal checking customers of Wintrust Financial Corporation and its subsidiaries. If you are added as an owner to an older Wintrust personal checking account before the bonus pays, you become ineligible.
- Town Bank is a Wisconsin bank in the Wintrust family. All of its branches are in Wisconsin. The offer terms allow opening online or in a branch, but the bank's site asks for your address before it shows the application, and we could not get past that step, so we list this offer for Wisconsin only.
- Town Bank is a Wintrust Community Bank. Limit one bonus payment per customer.
- The new account must be open with a balance greater than $0 at the end of the qualification period.
Tips & Gotchas
- →This is the entry tier: $500 or more in monthly direct deposits earns $300. Bring $2,000 or more in monthly direct deposits to earn $500 instead.
- →The qualification period is the two full calendar months after the month you open. Open early in a month so your first full qualifying month starts sooner.
- →Direct deposit means an electronic payment from an employer, government agency, or other third party. Teller, ATM, mobile, and wire deposits do not count.
- →Not available if you currently have or previously had a personal checking account with Wintrust Financial Corporation or any of its banks.
- →Town Bank's branches are all in Wisconsin. The bank's site asks for your address before it shows the application, so confirm it accepts yours before you plan on the bonus.
Direct Deposit Data Points 1
1 community report across 1 transfer source, showing what triggers a qualifying direct deposit at Town Bank.
How long until the bonus posts? The most recent community reports average about 89 days. See 1 report on Town Bank Checking payout timelines →
Can You Earn This Bonus Again?
Fine Print
Offer valid for eligible Total Access Checking accounts opened 5/13/2026 to 11/3/2026. To earn $300, receive direct deposits totaling at least $500 in each of the two consecutive calendar months after the month the account is opened (the qualification period), and enroll in online banking and e-statements within that period. The account must be open with a balance greater than $0 at the end of the qualification period. Bonus is deposited within 30 calendar days after the qualification period. Not available to existing or former personal checking customers of Wintrust Financial Corporation and its subsidiaries. Limit one bonus payment per customer. Reported on IRS Form 1099-INT.
Taxable income · Reported on 1099-INT
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What is ChexSystems?
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Also see: this month's best bank bonuses and community DD data points.
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