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Compare Your Personal Checking Account Options

Account Benefits

Platinum Debit Mastercard®

Standard Debit Mastercard®

Monthly Account Maintenance Fee

Requirements to Waive Monthly Account Maintenance Fee

Overdraft Protection Transfers

Simple account with no surprises

No minimum balance or account maintenance fee
Your choice of Standard or Platinum Debit Card
Free Greenlight money app and debit card for kids¹

$5/month

Over 33,000 free ATMs nationwide, plus two free out-of-network ATM transactions per month²
5% cash back with Shop Local Rewards³
Free cell phone protection⁴

Free/No Charge

Over 33,000 free ATMs nationwide
5% cash back with Shop Local Rewards³

No account maintenance fee

Free, unlimited

Extra perks for loyal customers

Two no-purchase fee Gift Cards per month
Earns interest
Bonus CD rates
Free Greenlight money app and debit card for kids¹

Free/No Charge

Over 33,000 free ATMs nationwide, plus two free out-of-network ATM transactions per month²
5% cash back with Shop Local Rewards³
Free cell phone protection⁴

Not Available

$20 or $0

Meet one of the following:

A North Shore Bank-serviced mortgage
A HELOC
$25,000 in combined relationship deposit balances
Investment account with North Shore Investment Services

Free, unlimited

The ideal starter account

No minimum balance or account maintenance fee

Not available

Free/No Charge

Over 33,000 free ATMs nationwide
5% cash back with Shop Local Rewards³

No account maintenance fee

Free, unlimited

Specialty Checking Accounts

Balance Checking

Free yourself from worry about overdraft fees with a checking account that offers nationwide ATM access, a Free Standard Debit Card, and much more.

Learn More Open Your Account

Getting Started is Easy

Open Online in Minutes

Open Your Account

Visit an Office

Locate a Branch

Schedule a Virtual, Phone, or In-Person Appointment

Schedule an Appointment

1 North Shore Bank customers are eligible for the Greenlight SELECT plan at no cost when they connect their North Shore Bank account as the Greenlight funding source for the entirety of the promotion. Upgrades will result in additional fees. Plans start at $4.99/mo. Upon termination of promotion, customers will be responsible for associated monthly fees. See terms for details. Offer ends 06/29/2025. Offer subject to change. Greenlight is a financial technology company, not a bank. The Greenlight app facilitates banking services through Community Federal Savings Bank (CFSB), Member FDIC. Greenlight and Community Federal Savings Bank are not affiliated with North Shore Bank and maintain their own privacy policies.

2 Two ATM transactions at non-North Shore Bank or non-MoneyPass ATMs per account per statement cycle.

3 Program is available for North Shore Bank’s Standard, Platinum, and Business Debit Cards. Eligible cards are automatically enrolled in the Program. Cash back is limited to signature transactions. PIN transactions will not qualify for cash back. Purchases made through third parties and apps including, but not limited to food delivery apps, services, and platforms will not qualify for cash back. Terms and conditions apply. Click here for full details. Mastercard and the circles design are registered trademarks, and Mastercard Local is a trademark, of Mastercard International Incorporated. © 2024 Mastercard. All rights reserved.

4 Coverage provided under a group insurance policy issued by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only. The $600 benefit amount applies to each claim, and is subject to a $50 co-pay per claim. $1,000 maximum claim benefit per 12 months. Subject to limitations and exclusions. See Mastercard Platinum Guide to Benefits for more details.

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Frequently Asked Questions

What are some top financial security tips I should be aware of?

What are your hours?

What are some common scams I should be aware of and what steps can I take to avoid them?

View a list of web browsers that are supported with Online Banking.

Google Chrome

Remove a saved password.

You can make Chrome forget specific passwords or clear all saved passwords at any time.

On your computer, open Chrome.
At the top right, click More Settings.
At the bottom, click Show advanced settings.
Under "Passwords and forms," click Manage passwords. A box will appear with a list of saved passwords.
In the "Saved passwords" section, select the website and click Delete .
Click Done.

Stop asking to save passwords.

By default, Chrome offers to save your password. You can turn this option off or on at any time.

On your computer, open Chrome.
At the top right, click More Settings.
At the bottom, click Show advanced settings.
Under "Password and forms," uncheck the box next to "Offer to save your web passwords" or "Offer to save passwords with Google Smart Lock for Passwords."

To offer to save passwords again, check the box next to "Offer to save your web passwords" or "Offer to save passwords with Google Smart Lock for Passwords."

Make Chrome ask to save passwords again.

If you told Chrome to never offer to save your password for a specific site, but you change your mind, you can bring back the option.

On your computer, open Chrome.
At the top right, click More Settings.
At the bottom, click Show advanced settings.
Under "Passwords and forms," click Manage passwords. A box will appear with a list of saved passwords.
In the "Never saved" section, select the website and click Delete .
Click Done.

If Chrome isn't asking to save any passwords anymore, you may have asked it to stop saving passwords. Bring back the prompt by turning "Offer to save passwords" back on.

Microsoft Internet Explorer

Remove just one saved password.

Go to the login page and type the first letter of the username into the name field.
In the drop-down list, select the name by putting the pointer on it.
Hit the Delete key and answer "yes" to the dialog.

Apple Safari

Remove just one saved password.

From the Safari menu, select Preferences
Select the Passwords tab
Locate and select the website for which you want to delete a saved username/password
Press the Remove button and confirm the deletion request

Current Balance, also known as Account Balance or Ledger Balance, means the funds in your account, including deposits and withdrawals made to date. Not all your transactions will be immediately reflected. As a result, only part of this balance may be available for withdrawal. The Current Balance does not include checks or payments, including debit card transactions, that you have initiated but have not yet cleared your account.

Available Balance means the amount of money that can be withdrawn at a point in time. The Available Balance will be less than the Current Balance when there are pending transactions such as:

Funds held from deposits: These funds have been deposited, but are not yet fully available for withdrawal or transfer.
Funds held for debit card authorizations: This reflects merchant-authorized requests for payment, when the final charge has not been submitted by the merchant. ATM and PIN-based debit card transactions usually post the same business day and other everyday signature-based debit card transactions usually post within 4 business days. This means that your available balance may not accurately reflect pending debit card authorizations until the transaction is received by us and paid from your account (i.e., posted). Even though we may increase your Available Balance when a merchant does not submit the transaction for payment in a timely manner, the obligation to the merchant still applies.
Any other holds on funds in your account.

The Available Balance does not reflect every transaction you have initiated or previously authorized. Items that may not be reflected in your Available Balance include, but are not limited to:

Outstanding checks and authorized automatic withdrawals (such as recurring debit card transactions, transfers, and ACH transactions that we have not received for payment or processing).
The final amount of a debit card purchase. For example, we may authorize a purchase amount from a gas station, but the authorized amount may be different from the final charge.
Scheduled bill payments or other direct payments to other people that have not yet been processed.
Debit card transactions that have been previously authorized but not sent to us for payment from your account where we have released the transaction authorization hold and the transaction is sent for payment from your account at a later date.

North Shore Bank authorizes and pays transactions using the Available Balance in your account. If you have Standard Coverage, the Available Balance for checks, ACH items, and recurring debit card transactions includes the amount of the Overdraft Privilege limit and any available Overdraft Protection. The Available Balance for ATM and everyday debit card transactions on accounts includes any available Overdraft Protection, but does NOT include the Overdraft Privilege Limit. For accounts with Extended Coverage, the Overdraft Privilege Limit is included in the Available Balance for authorizing ATM and everyday debit card transactions.

An easy way to keep track of your transaction history is to enroll in Online Banking or the Mobile App if you are not already enrolled.

Where can I find a listing of your Mortgage Loan Originators?

How secure is North Shore Bank's online banking service?

Digital Banking Terms and Conditions

What are your current Business Account fees?

Your beneficiaries will be notified and funds will be distributed accordingly.

Don't have an IRA?

Make saving for retirement a little less taxing.
Both the Traditional and Roth IRA grow tax-deferred and are allowed to have automatic distributions. All of our retirement options come with the expertise and guidance of a knowledgeable North Shore Bank IRA Professional.

Use our Roth IRA Conversion Calculator to see if you should convert.

Traditional IRA
Anyone under the age of 70 with earned income and wants to save money for their retirement can use an account that allows their money to grow tax-deferred until retirement age.

What's in it for you?

Contributions may be tax-deductible^Footnote 1
Can be consolidated with other personal IRAs
North Shore Bank Certificates of Deposit are FDIC insured

Roth IRA
Anyone, any age, with earned income who wants to save money for retirement, especially those who earn an income that exceeds the limits set for Traditional IRA deductibility, and want the ability to withdraw the money tax-free can use a Roth IRA.

What's in it for you?

Earnings may be able to be withdrawn tax-free^Footnote 2
Can be consolidated with other personal IRAs
North Shore Bank Certificates of Deposit are FDIC insured
No requirement to withdraw a minimum amount at any age

Find an office near you.

1 Distributions taken prior to age 59½ are subject to an IRS penalty. Your contributions to a Traditional IRA may or may not be tax-deductible. Deductibility is determined by two factors, whether you actively participate in an employer-maintained qualified retirement plan and your modified adjusted gross income. (Consult your tax advisor)

2 Income limits affect eligibility to contribute. You can begin taking "distribution" withdrawals from a Roth IRA without paying taxes or penalties if you have held the account for at least 5 years, and have reached at least 59½ years of age. Unlike with a Traditional IRA, there is no requirement to withdraw a minimum amount at any age. (Consult your tax advisor)

There are several types of IRAs offered through North Shore Bank.

Make saving for retirement a little less taxing.
Both the Traditional and Roth IRA grow tax-deferred and are allowed to have automatic distributions. All of our retirement options come with the expertise and guidance of a knowledgeable North Shore Bank IRA Professional.

Use our Roth IRA Conversion Calculator to see if you should convert.

Contributions may be tax-deductible^Footnote 1
Can be consolidated with other personal IRAs
North Shore Bank Certificates of Deposit are FDIC insured

Earnings may be able to be withdrawn tax-free^Footnote 2
Can be consolidated with other personal IRAs
North Shore Bank Certificates of Deposit are FDIC insured
No requirement to withdraw a minimum amount at any age

Find an office near you.

Make saving for retirement a little less taxing.
Both the Traditional and Roth IRA grow tax-deferred and are allowed to have automatic distributions. All of our retirement options come with the expertise and guidance of a knowledgeable North Shore Bank IRA Professional.

Use our Roth IRA Conversion Calculator to see if you should convert.

Contributions may be tax-deductible^Footnote 1
Can be consolidated with other personal IRAs
North Shore Bank Certificates of Deposit are FDIC insured

Earnings may be able to be withdrawn tax-free^Footnote 2
Can be consolidated with other personal IRAs
North Shore Bank Certificates of Deposit are FDIC insured
No requirement to withdraw a minimum amount at any age

Find an office near you.

Contact a Mortgage Loan Officer

Apply for your mortgage loan.

What is the maximum mortgage amount I can apply for?

What is Overdraft Privilege?

Classic/Standard Debit Cards

For your protection, there is a daily spending limit of $2,000 as long as the money is available in your account. ATM machine withdrawals have a daily limit of $500, which is subject to change based on individual ATM machines. This limit also includes an additional $15.00 to cover any ATM fees assessed for a total spending limit of $2,515.00.

If you are going to make a purchase over the $2,000 daily limit, call the number on the back of the card or North Shore Bank Customer Support, to request a limit increase.

Platinum/Enhanced Debit Cards

For your protection, there is a daily spending limit of $5,000 as long as the money is available in your account. ATM machine withdrawals have a daily limit of $500, which is subject to change based on individual ATM machines. This limit also includes an additional $15.00 to cover any ATM fees assessed for a total spending limit of $5,515.00.

If you are going to make a purchase over the $5,000 daily limit, call the number on the back of the card or North Shore Bank Customer Support, to request a limit increase.

Business Debit Cards

If you are going to make a purchase over the $5,000 daily limit, call the number on the back of the card or North Shore Bank Customer Support, to request a limit increase.

HSA Debit Cards

If you are going to make a purchase over the $2,000 daily limit, call the number on the back of the card or North Shore Bank Customer Support, to request a limit increase.

MoneyPass ATM network

How do I import/export a Quicken Transfer Format (.QFX) file?

What benefits are included with the Platinum Debit Card?

Download a Direct Deposit Change Form today to get started!

"Log In Information May Be Missing Or Invalid. Use First Time Log In If Logging In For The First Time" : If you have already signed up for Online Banking, this message usually means that either you have entered both your access ID and password incorrectly or you only entered your access ID incorrectly. Remember that your access ID and password are case-sensitive, so please make sure that you're entering both of them exactly as you created them (either all caps, lower case or a mixture).
"Invalid Customer Security Code". This message means that you entered your password incorrectly. Remember that your password is case-sensitive, so please make sure that you're entering it exactly as you created it (either all caps, lower case or a mixture).
"Your account has been disabled". If you receive this message, it usually means that the password has been entered incorrectly five or more times. This message may also appear when you use the “Back” button on your browser instead of using the links at the top of your Online Banking screens. If this happens, please contact North Shore Bank Customer Support.
“The information you are submitting is insecure”. The message you see is a "Warning! You have requested an insecure document that was originally designated a secure document. The document and any information you send back could be observed by a third party while in transit" - or a related message (depending on your browser) is shown because you are moving from a secure page within our Online Banking site to an unsecured page.

This is your browser's way of warning you that the next page you are requesting is an insecure document and that you should not enter any confidential information on it. Once you leave a secure site like Online Banking, any information you transmit from that page is not encrypted for security and could possibly be viewed by a third party.
"Warning: Page has Expired". This is done for security reasons. Instead of using the browser buttons, please use the navigation icons or links on the Online Banking screens.
”Invalid customer security code”. This message means that you entered your password incorrectly. Remember that your password is case-sensitive, so please make sure that you're entering it exactly as you created it (either all caps, lower case or a mixture).

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How can I learn more about North Shore Bank's Security Statement?

How can I protect myself from identity theft?

Business Online Banking Quick Tips

ACH Instructions for Business Online Banking

Remote Deposit Capture Setup Instructions

Remote Deposit Capture Scanner Driver Installation Instruction (Edge and Chrome Browsers)

Remote Deposit Capture Scanner Driver Installation Instruction (Firefox)

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Compare Your Personal Checking Account Options

Free Checking

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