Wintrust Community Advantage

Wintrust Community Advantage is one of the Midwest's leading provider of financial services to condominium, townhouse and homeowner associations. We know this market inside and out because it's all we do - and we've been exclusively serving this market for over a decade.

Our experienced staff understands that associations come in all shapes and sizes. We work with our customers to tailor our services to fit every situation and provide the most flexible options. We're big on taking care of our customers - other banks are just big.

On top of first-rate customer service, we go above and beyond to stay ahead of the association market trends. Many of our staff members are not only experts in the financial field, they're experts in association management with CMCA designations. We fully understand the business and how to help each of our customers manage their associations successfully.

With the knowledge of our trusted industry experts we can offer you the following services:

Collection Services

• Retail and wholesale lockbox services
• ACH Collection (Automated Clearing House)
• Remote deposit image capture
• Credit card processing of assessments (Visa®, Mastercard®, Discover® & American Express®)

Disbursement Services

• Corporate credit and debit cards
• ACH payment
• Domestic and international wire transfer

Account Management Services

• Zero balance accounts
• Positive Pay
• Sweep accounts
• CheckManager Plus®
• CD-ROM image service

Online Banking Services

To meet the sophisticated financial needs of our clients, we have developed i-BusinessBanking™, an integrated, web-based treasury management application. i-BusinessBanking provides 24-hour access to an extensive array of account information. Many of the above services are also initiated through online banking.

• Balance reporting
• Transaction reporting
• Customer-initiated account-to-account transfers
• ACH templates
• Bill payment
• Tax payments

Lending

As banks become swallowed up by larger banks, commercial loan decisions are made farther and farther away. At Wintrust Community Advantage, we pride ourselves on local decision making and servicing of our commercial loans.

• Lending limit of greater than $180 million
• Commercial & Personal Mortgages through our affiliate Wintrust Mortgage
• Lines of Credit
• Letters of Credit