Northview Bank & Trust

Name

Northview Bank & Trust

Legal name

Northbrook Bank & Trust Company, N.A.

Website

https://northview.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Portfolio Management and Investment Advice (523940)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Public Sector & Municipal Credit Unions (FSABAEAK)

akta.pro secondary industry

Real Estate (Commercial Property, REITs) (FSABACAH)

Keywords

• Community banking services
• Retail banking
• Small business lending
• Commercial banking
• Mortgage lending

Headquarters

HQ city

Waukegan

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income from Lending: The bank generates revenue primarily through interest earned on loans including mortgages, HELOCs, personal loans, small business loans, and commercial loans. Interest rates vary by product type and borrower qualifications.
2. Deposit Account Fees and Charges: Monthly maintenance fees on checking accounts (waived with minimum balances), overdraft fees, wire transfer fees, and other account service charges.
3. Checking and Savings Account Services: Revenue from various checking account tiers (Total Access Checking, Access Plus Checking, Premier Checking) with different fee structures based on balance requirements.
4. Home Equity Line of Credit: Variable rate HELOC products with competitive pricing ranging from 6.75% to 7.50% APR depending on loan amount, generating interest income.
5. MaxSafe Program: Deposit insurance program that extends FDIC coverage from $250,000 to $4 million per accountholder, offered through CD and money market products.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Northview Bank & Trust is a community bank operating as a brand of Northbrook Bank & Trust Company, N.A., part of the Wintrust Financial Corporation family. It provides personal banking (checking, savings, CDs, HELOC, mortgages, credit cards, credit-building products), small business banking (business checking, SBA loans, cash management, MaxSafe), and commercial banking (asset-based lending, capital markets, treasury management, industry-specific services) through physical branches and digital platforms.

Product overview

Northview Bank & Trust operates as a community bank within the Wintrust Financial Corporation family, offering a comprehensive banking platform organized across personal, small business, and commercial segments. The personal banking suite includes checking accounts (Total Access Checking, Access Plus Checking, Premier Checking), savings products (Statement Savings Advanced, CDs), credit building tools (Money Smart Checking® and Savings®, Everyday Loan, Money Smart CD Loan), home financing (HELOC, Wintrust Mortgage), and credit cards. Small business offerings encompass Entrepreneur Checking, Business Community Checking, Have-It-All® Business Checking, SBA loan programs (Express, 7(a), 504), MaxSafe deposit insurance (extending FDIC coverage to $4 million), and cash management tools including i-BusinessBanking™ and Positive Pay fraud prevention. Loyalty programs include Junior Savers Club® (ages under 22), Teen Banking Club®, and Platinum Adventures® Club (ages 50+). All services are delivered through digital banking channels including mobile apps with Zelle® P2P payments and extensive ATM network access.

Differentiator

Problem solved

Functional benefit

Brands

• Platinum Adventures® Club: A social and travel club for customers 50+ years of age offering trips, seminars, and community events.
• Junior Savers Club®
• MaxSafe

Products and services

• Total Access Checking Entry-level personal checking account with $100 to open, no minimum balance, no monthly maintenance fees, free nationwide ATM access through Allpoint, MoneyPass, and SUM networks, and an Early Pay feature that delivers direct deposit up to 2 business days early.
• Access Plus Checking Mid-tier personal checking account with variable interest, waived safe deposit box fees, free first-order checks, and wire transfer reimbursements for customers meeting $2,500 average daily balance or $25,000 combined relationship balance to avoid the $10 monthly fee.
• Premier Checking Premium personal checking account with tiered variable interest, 0.15% rate bonus on Statement Savings Advanced, waived safe deposit box fees on larger boxes, free checks, and up to 5 outgoing wire transfer fee reimbursements for customers with $10,000 average daily balance or $75,000 combined relationship balance to avoid the $25 monthly fee.
• Statement Savings Advanced Interest-bearing personal savings account with variable rate, no minimum opening balance, $200 daily balance requirement to avoid a $5 monthly maintenance fee, and a promotional 2.00% APY with qualifying activities (new money only).
• 13-Month CD Special Fixed-rate personal certificate of deposit with 4.00% APY, $1,000 minimum to open, and automatic renewal at the standard rate upon maturity.
• Money Smart Checking Entry-level personal checking account for credit building with $10 to open, no minimum balance or monthly maintenance fees, no overdraft fees, optional Dollar-A-Day Savings Service, and up to 6 free out-of-network ATM reimbursements per statement cycle.
• Money Smart Savings Interest-bearing personal savings account paired with Money Smart Checking for building financial habits, with no minimum balance requirement and free out-of-network ATM reimbursements.
• Everyday Loan Fixed-rate personal loan up to $5,000 with quick approval decisions, designed for credit building and unexpected expenses, with rates typically lower than most credit cards (Prime + 5.00%).
• Money Smart CD Loan Personal credit-building loan that allows borrowing as little as $500 to open a CD of the same amount, with monthly payments that build credit while the CD earns interest.
• Home Equity Line of Credit (HELOC) Variable-rate revolving credit line secured by home equity, with a 10-year draw period and 20-year repayment period, fixed-rate options available, and APRs ranging from 6.75% to 7.50% based on loan amount bands.
• Wintrust Mortgage National residential mortgage lending division (a subdivision of Barrington Bank & Trust Company, N.A.) offering purchase, refinance, and home equity loans, with a Relationship Pricing Program for existing Wintrust customers.
• Personal Credit Cards Personal credit card program issued through Elan Financial Services with options for cash back, rewards, low rates, and credit building, with zero fraud liability and 24/7 cardmember service.
• Junior Savers Club Custodial savings account (UTMA) for children under age 22, with $10 bonus for new accounts, free events, giveaways, field trips, and an Earn Treat Dollars program.
• Entrepreneur Checking Business checking account for startups and new businesses with no monthly fees for low-transaction accounts (under 75 transactions), 150 free monthly transactions, free i-BusinessBanking profile, and mobile deposit.
• Business Community Checking Business checking account for established businesses with no monthly fee when maintaining a $2,500 average balance, 250 free monthly transactions, and unlimited i-BusinessBanking users.
• Have-It-All Business Checking Premium business checking for larger enterprises with a $20,000 minimum balance requirement (to avoid $30 monthly maintenance fee), 400 free monthly transactions, and comprehensive business banking features.
• Business Money Market Accounts Business money market account that combines savings benefits with checking capabilities and ATM access for small business customers.
• SBA Express Loan SBA loan up to $500,000 for business expansions, acquisitions, and cash flow management, with expedited turnaround and revolving lines of credit available for small business customers.
• SBA 7(a) Loan SBA loan up to $5 million for business expansion, acquisitions, debt refinancing, and working capital, with financing that can exceed traditional collateral requirements.
• SBA 504 Loan SBA loan up to $10 million for the acquisition and refinance of equipment and owner-occupied real estate, with down payments as low as 10% and longer-term fixed rates.
• MaxSafe Deposit insurance program that extends FDIC coverage from $250,000 to $4 million per accountholder by spreading deposits across 16 Wintrust community bank charters, available as CD or Money Market accounts.
• Cash Management Business cash management suite including merchant processing, remote deposit capture (i-BusinessCapturePro), ACH origination, wire transfers, and Positive Pay fraud prevention tools for business customers.
• i-BusinessBanking Online and mobile banking platform for business customers with account management, mobile remote deposit capture, and 24/7 access.
• Positive Pay Fraud prevention tool that compares checks presented for payment against issued-check information to identify discrepancies for business customers.
• Reverse Positive Pay Fraud prevention tool that allows businesses to review checks before payment and flag discrepancies for investigation.
• ACH Positive Pay Fraud prevention tool that scans electronic transactions and returns unauthorized ACH entries for business customers.
• Business Credit Cards Business credit card options including low rate, cash back, and flexible rewards programs with free online expense reporting and no fee for additional employee cards.
• Small Business Lending Business lending solutions including Easy Access revolving lines of credit, term loans, and business overdraft protection for cash flow, equipment, and inventory needs.

Quantifiable outcome

• FDIC insurance coverage extended from $250,000 to $4 million per accountholder through MaxSafe program
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

One partnership is on record.

• TrusteercoreTechnology or IntegrationTrusteer provides fraud protection software to protect Wintrust customers against malware infections and phishing attacks. This partnership delivers free security software to bank customers as part of the cash management and security services offering for business banking clients.

Scale indicators4 records

Recent moves1 record

Expansion highlights6 records

Direct peers

• Old National Bank: Midwest regional community bank (post-First Midwest merger) with strong Chicago-area presence, comparable community-bank positioning, full deposit and commercial lending suite, and similar relationship-banking model.
• First Busey Corporation: Illinois-headquartered community bank holding company serving individuals, businesses, and institutions with comparable deposit and SBA-style commercial banking products across the same Midwest geography.
• Heartland Financial USA (HTLF): Multi-charter community bank holding company operating independent community bank brands across the Midwest and Southwest, structurally analogous to Wintrust's 16-charter hub-and-spoke model that houses Northview.
• Byline Bank: Chicago-based community bank focused on small business, commercial, and consumer lending with comparable branch footprint and SBA lending emphasis. Most directly comparable community banking competitor in the Northview/Wintrust catchment.
• First Mid Bancshares: Illinois-based community bank holding company offering consumer, small business, and commercial banking with similar product breadth (checking, savings, wealth, treasury management) and overlapping Midwest footprint.

Others

• Libertyville Bank & Trust: Sister community bank charter under Wintrust Financial Corporation, sharing products, technology stack, and treasury functions with Northview Bank & Trust — useful comparable for the Wintrust multi-charter model rather than a direct competitor.
• Barrington Bank & Trust: Sister Wintrust charter that also houses the Wintrust Mortgage division referenced in Northview's product set; structurally identical operating model to Northview and a same-network peer for benchmarking.

Broad incumbents

• BMO Harris Bank: Major U.S. bank subsidiary of Bank of Montreal with deep Chicago retail and commercial presence, offering a much broader suite but competing head-to-head for the same Chicago-metro deposit and small business accounts.
• Fifth Third Bank: Large regional bank with significant Chicagoland retail branch network, comparable consumer checking/savings and small business banking products, and meaningfully larger balance sheet competing for the same customers.
• JPMorgan Chase (Chase Bank): Largest U.S. retail bank with extensive Chicago branch presence and superior digital banking scale; competes directly for the same household and small business checking/deposit relationships that Northview targets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/Wintrust
• YouTubeyoutube.com/wintrust
• Facebookfacebook.com/Wintrust
• LinkedInlinkedin.com/company/northview-extended-day-care
• Instagraminstagram.com/wintrust

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles20 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Northview Bank & Trust