Lemont Bank & Trust: Location and Ownership
Lemont Bank & Trust is a community banking branch in Lemont, Illinois, operating under Hinsdale Bank & Trust Company, N.A.
The bank is part of Wintrust Financial Corporation’s network of community banks. Its local branch provides personal, business, commercial, and mortgage banking services.
Unlike a separately chartered bank, Lemont Bank & Trust operates as a branch of the Hinsdale Bank & Trust charter. This distinction helps explain its routing number, FDIC coverage, and regulatory information.
What Is Lemont Bank & Trust?
Lemont Bank & Trust is a local banking brand serving customers in Lemont and nearby communities.
Its legal banking institution is Hinsdale Bank & Trust Company, N.A., which is part of Wintrust Financial Corporation. The underlying bank was established in 1993.
The Lemont location provides access to the products and services offered through the wider Wintrust banking organization.
Who Owns Lemont Bank & Trust?
Lemont Bank & Trust operates within the Wintrust Financial Corporation organization.
Wintrust uses a community-bank model that maintains local banking brands while providing access to broader financial services. Lemont Bank & Trust is listed under Hinsdale Bank & Trust Company, N.A.
The underlying bank is a national bank regulated primarily by the Office of the Comptroller of the Currency.
Where Is Lemont Bank & Trust Located?
The Lemont branch is located at:
12400 Archer Avenue
Lemont, IL 60439
The branch phone number is 630-243-2000.
The location offers lobby banking, drive-through services, an ATM, and several customer service facilities.
What Are The Lemont Bank & Trust Hours?
The current listed lobby hours are:
- Monday: 9:00 AM to 5:00 PM
- Tuesday: 9:00 AM to 5:00 PM
- Wednesday: 9:00 AM to 5:00 PM
- Thursday: 9:00 AM to 5:00 PM
- Friday: 9:00 AM to 5:00 PM
- Saturday: 9:00 AM to 1:00 PM
- Sunday: Closed
Customers should confirm holiday schedules and temporary changes before visiting.
What Is The Lemont Bank & Trust Routing Number?
The routing number associated with Lemont Bank & Trust is 071925402.
This number belongs to the underlying Hinsdale Bank & Trust Company, N.A. charter rather than a separate Lemont banking charter.
Routing numbers are used for transactions such as direct deposits, ACH payments, and other electronic transfers.
Customers can also verify routing information through their checks or directly with the bank.
Is Lemont Bank & Trust FDIC Insured?
Yes. Lemont Bank & Trust operates through Hinsdale Bank & Trust Company, N.A., which is an FDIC-insured institution.
The underlying bank has FDIC Certificate Number 33849.
Standard FDIC insurance rules apply to eligible deposits based on the depositor, ownership category, and insured institution.
This means customers should consider the underlying bank when determining how their deposits are covered.
What Services Does Lemont Bank & Trust Offer?
Lemont Bank & Trust provides several banking services for individuals, businesses, and commercial customers.
Personal Banking
Personal customers can access checking, savings, certificates of deposit, credit cards, mortgages, and home equity products.
The bank also provides online and mobile banking for customers who prefer electronic account management.
Business Banking
The Lemont location serves small businesses and commercial customers.
Business services include business deposit accounts, lending, cash management, and other financial services offered through the wider Wintrust organization.
Customers researching commercial borrowing can also review our guide to the Berkshire Bank commercial loan application PDF, which covers a separate commercial lending application.
Mortgage And Home Lending
The bank provides mortgage and home equity services through its banking network.
Customers can discuss home purchases, refinancing, home equity borrowing, and related lending requirements with the institution.
Home equity lending differs from deposit products because the financing is secured by the borrower’s property.
Does Lemont Bank & Trust Offer CDs?
Yes. Lemont Bank & Trust offers certificates of deposit, including promotional CD terms.
One listed CD promotion requires a $1,000 minimum opening deposit and applies to new money under the bank’s stated conditions.
The promotional terms found on the bank’s rate page include seven, 11, 17, 23, 26, and 33 months.
What Are The Lemont Bank & Trust CD Rates?
The promotional CD rates listed by the bank include:
| CD Term | APY |
| 7 Months | 4.00% |
| 11 Months | 3.55% |
| 17 Months | 3.50% |
| 23 Months | 3.35% |
| 26 Months | 3.35% |
| 33 Months | 3.35% |
The rates are subject to change, and the bank states that promotional CDs automatically renew under the applicable standard rate at maturity.
Early withdrawal penalties can apply.
For comparison, our separate guide to Farmers and Merchants Bank CD rates covers a different Alabama institution and its current certificate terms.
What Does New Money Mean?
For the promotional CDs, the bank defines new money as funds that are not currently held at a Wintrust Financial Corporation location.
This requirement matters because moving money between existing Wintrust accounts may not qualify for the promotional rate.
Customers should confirm eligibility before transferring funds or opening a promotional certificate.
What Digital Banking Services Are Available?
Customers can use electronic banking services to manage accounts and conduct transactions without visiting the branch.
The bank also supports Zelle for eligible customers through its online and mobile banking services.
Digital banking availability can depend on the specific account and enrollment requirements.
What Branch Services Are Available?
The Lemont branch provides several services beyond standard deposits and withdrawals.
Available services include:
- Drive-through banking
- Deposit-taking ATM
- Night depository
- Notary services
- Signature guarantees
- Coin counting
- Foreign currency services by appointment
- Large coin orders by appointment
The branch also provides accessibility features and dedicated customer parking.
Some services may have eligibility requirements or fees.
Is Lemont Bank & Trust A Separate Bank?
No. Lemont Bank & Trust operates as a branch of Hinsdale Bank & Trust Company, N.A.
This is one of the most important facts for customers researching the institution.
The Lemont name represents the local community banking operation, while the underlying charter controls matters such as FDIC insurance, regulatory reporting, and the routing number.
What Happened To Community Bank Of Lemont?
Community Bank of Lemont was a different financial institution.
It was closed on October 30, 2009, with its deposits and assets transferred to U.S. Bank.
The difference is particularly important when researching historical banking records or older references to financial institutions in Lemont.
Frequently Asked Questions
What Is Lemont Bank & Trust?
Lemont Bank & Trust is a community banking branch in Lemont, Illinois. It operates as a branch of Hinsdale Bank & Trust Company, N.A.
What Is The Lemont Bank & Trust Routing Number?
The routing number associated with the underlying Hinsdale Bank & Trust charter is 071925402.
Final Takeaways
Its services include personal banking, business banking, commercial lending, mortgages, digital banking, and certificates of deposit. The routing number is 071925402, while the underlying bank carries FDIC Certificate 33849.
Customers researching the branch should distinguish it from Community Bank of Lemont, a separate institution that closed in 2009. Current rates, promotional offers, hours, and account conditions should be confirmed directly with the bank before making financial decisions.