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Family is extremely important to us. When you choose to raise your family in our community, we will be there for you now and for years to come. We’ll sit down with you and determine the goals you have for your family and help you put a plan in place to reach those goals. Whether it’s saving for your children’s’ education or saving towards retirement, we’ll be there for you. Check out some of the programs we have in place to help you and your family.

Total Access Checking

TOTAL ACCESS CHECKING2


At Lake Forest Bank & Trust Company, we put the needs of our customers first. That’s why we developed our Total Access Checking Account with unlimited FREE ATM transactions nationwide. With this unparalleled feature and with our unfailing dedication to customer service, it’s clear that the best bank around is Lake Forest Bank & Trust Company. Why bank anywhere else?

Account Benefits:

  • Unlimited FREE ATM transactions nationwide1
  • You may open account with any initial deposit
  • FREE online banking & bill pay
  • FREE first order of checks
  • Unlimited check writing
  • Overdraft protection available3
  • FREE FinanceWorks® 4

1. No transaction charge at any ATM in the Money Pass 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 will be reimbursed. Reimbursement does not include the 1% International Service fee charged by MasterCard for certain foreign transactions conducted outside the continental United States. 2. You may open the account with any initial deposit. The account is non-interest bearing. Fees, such as overdraft charges and fees for special services, may apply. A $10 fee will be charged if account is closed within the first six months of opening. See a personal banker for more information. 3. Overdraft line of credit requires credit approval. 4. FinanceWorks powered by Quicken.

SingleSolution Checking™

Our SingleSolution® Checking Account is the only account you’ll ever need. It offers a tiered interest structure, discounts at local merchants, and more! You can utilize some or all of the following benefits:

  • Interest bearing checking where your rate increases with your balance! Please see our Deposit Rates.
  • FREE first order of safety paper checks¹
  • FREE MasterCard® credit card and no extra-fee ATM card or MasterCard® debit card²
  • Free access to SUM and MoneyPass ATMs in the Chicagoland area
  • FREE Bill Pay and On-Line Banking
  • The account may be opened with any initial deposit
  • There is a daily minimum balance requirement to avoid a monthly service charge
  • There is a monthly non-activity fee if there are no deposits or checks posted for three consecutive months

Contact a Personal Banker for more details


¹Limitations Apply ²Pending application approval, requires usage.

It's Easy To Open This Account

Our SimpleSwitch® system makes switching your bank accounts, direct deposit and automatic bill payment very simple. Fill out and submit this application form or come see one of our friendly personal bankers. Please contact us if you have any questions.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for your name, physical address, date of birth, taxpayer identification number and other information that will allow us to identify you. We may also ask to see your driver’s license and other identifying documents. We will let you know if additional information is required.

Money Market Account

Our Money Market Account combines liquidity and convenience in a tiered variable-rate, interest-bearing account with limited check-writing privileges.

Features & Benefits

  • Minimum Daily Balance of only $2,000.00 to avoid a monthly service fee1
  • Higher interest rates than a typical Savings Account
  • Unlimited deposits and up to six preauthorized debits at no charge
  • Unlimited withdrawals when made in person or by ATM, mail or messenger at the bank
  • FREE Online Banking and Telebank

 

1A maintenance fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $2,000.00 any day of the cycle.

Passbook Savings Account

  • You receive a personalized passbook where all of your transactions are recorded at the time of deposit or withdrawal
  • Interest is compounded and paid quarterly
  • There is a minimum balance requirement to avoid a monthly service charge

Statement Savings Account

  • Your account earns interest which is compounded and paid quarterly
  • Statements are also sent quarterly
  • There is a minimum balance requirement to avoid a monthly service charge1

1A maintenance fee of $1.00 will be imposed each quarter that the balance in the account falls below $200.00.

Fixed Rate Certificates of Deposit

We regularly offer a wide range of fixed-rate certificates of deposit, including the following terms


  • 3 Months
  • 6 Months
  • 12 Months
  • 18 Months
  • 24 Months
  • 30 Months
  • 36 Months
  • 48 Months
  • 60 Months

Minimum balance to open a fixed-rate certificate of deposit is $1,000.00.

 

Home Equity Lines of Credit

Our home equity lines of credit can be used for a variety of purposes, may be tax deductible (consult your tax advisor) and provide a lower cost way to borrow for:

  • Improving your home
  • Purchasing a vehicle
  • Paying off medical bills
  • Consolidating debt
  • Paying off a credit card balance while lowering your cost of borrowing

Give us a call or stop in today for more information.

Overdraft Protection

Products & Programs

  • Allows you to cover the unexpected opportunity or the occasional overdraft
  • Flexible line amounts
  • Competitive interest rate


Please download this loan application form, fill it out completely and mail, fax it to (847) 615-4076 or drop it off at the bank. You will need Adobe Acrobat Reader to view the application. If you do not already have Adobe Acrobat Reader, click the image below to download a free copy of the Adobe PDF reader.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for your name, physical address, date of birth, taxpayer identification number and other information that will allow us to identify you. We may also ask to see your driver’s license and other identifying documents. We will let you know if additional information is required.

Please contact us if you have any questions.

Auto Loans

Products & Programs

  • Flexible terms
  • Quick turnaround
  • Competitive rates
  • New or used vehicles
  • Loan to value up to 100% for new and up to NADA loan value or Kelley Blue Book loan value for used

Please call (847) 234-2882 and talk to one of our friendly Personal Bankers for more information.

Mortgages

While some community banks may not be known for full service mortgage lending operations, we have it all: years of experience, hundreds of loan programs and pricing options, all coupled with the client-focused service that you have come to know from us. Our mortgage professionals have weathered the ever-changing real estate market.  To compliment the basic Conventional, FHA and VA Programs, we are positioned to meet the needs of the continually evolving market demands.

Our highly skilled staff is dedicated to providing service that exceeds the expectations of the customer.  By staying abreast of technological advancements, our mortgage professionals can provide low-cost products and services to our customers.  As a result, you will find your experience with us surpasses that of any other lender you have dealt with in the past.

Loan Programs include:

  • We Offer a Complete Line of Loan Programs for Every Buyer
  • Pre-Qualifications Seven Days a Week
  • Fixed and Adjustable Rate Mortgages
  • Jumbo Loans
  • FNMA and FHLMC Conventional Financing
  • FHLMC, FHA & VA
  • 2nd Mortgages and Home Equity Lines of Credit (HELOC)
  • HECM or Home Equity Conversion Mortgages - “Reverse Mortgages” Available in Most States

Contact Us

If you are interested in a mortgage, please contact us. at (847) 234-2882. 



Mortgage Lending is provided through our affiliate Wintrust Mortgage. Wintrust Mortgage is an Equal Opportunity Employer and an Equal Housing Lender.
Wintrust Mortgage is a division of Barrington Bank & Trust, N.A., NMLS # 449042, a Wintrust Community Bank.