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Checking Account Interest Rates
Research our checking interest rates and find the right account for youAccount Name | Daily Balance | Interest Rate* | APY*+ |
|---|---|---|---|
| $0-4,999 $5,000-9,999 $10,000-24,999 $25,000+ | 0.01% 0.01% 0.01% 0.01% | 0.01% 0.01% 0.01% 0.01% |
Getting Started is Easy
The interest rate paid on any of the above accounts is based on the account balance each day. Please click on the checking account link above for more information about minimum balance or account relationship requirements to avoid monthly fees.
*Interest Rates and APY are variable and are subject to change on a daily basis; shown above are available as of 4/2/2026.
+The Annual Percentage Yield (APY) assumes that the current interest rate will be in effect for one year and that the interest credited remains on deposit. A withdrawal of interest will reduce earnings. Fees could reduce the earnings on these accounts.
FAQs
Yes, our Balance Checking account is certified by Bank On as a low-cost and high-functioning account that can help customers build money management skills. Learn more about Balance Checking.
Yes, we offer a unique account that helps you build your financial IQ without worrying about overdrafts. Learn more about Balance Checking.
When opening a deposit account online, you can choose to upload a photo of your driver's license to assist with prefilling your personal information. In addition, to assist with verifying your identity, you can also upload a photo of yourself. You are not required to supply an image of yourself or your driver's license, however, for security reasons, it is recommended to ensure a more efficient application process. If you choose to supply these images, we retain them with your online application.
If you have trouble uploading the images, you can manually enter in your personal information. Please keep the following in mind when taking a picture of your photo ID:
• Ensure the ID fills the complete frame size on your screen
• Place your ID on a dark surface
• Ensure you have ample light
Images of canceled checks can be viewed, printed, or saved at no charge when you log in to the Mobile App or Online Banking. Customer Support can also provide copies by mail or you can visit your nearby branch to obtain a copy (fees may apply).
Message and data rates may apply when using the Mobile App.
Yes, our Balance Checking account is certified by Bank On as a low-cost and high-functioning account that can help customers build money management skills. Learn more about Balance Checking.
Yes, we offer a unique account that helps you build your financial IQ without worrying about overdrafts. Learn more about Balance Checking.
When opening a deposit account online, you can choose to upload a photo of your driver's license to assist with prefilling your personal information. In addition, to assist with verifying your identity, you can also upload a photo of yourself. You are not required to supply an image of yourself or your driver's license, however, for security reasons, it is recommended to ensure a more efficient application process. If you choose to supply these images, we retain them with your online application.
If you have trouble uploading the images, you can manually enter in your personal information. Please keep the following in mind when taking a picture of your photo ID:
• Ensure the ID fills the complete frame size on your screen
• Place your ID on a dark surface
• Ensure you have ample light
Images of canceled checks can be viewed, printed, or saved at no charge when you log in to the Mobile App or Online Banking. Customer Support can also provide copies by mail or you can visit your nearby branch to obtain a copy (fees may apply).
Message and data rates may apply when using the Mobile App.
Not to worry! You have up to ten days to complete your application after it’s been started. You can save your progress and resume later. Also, you can begin your application on your smartphone and resume it on your desktop or laptop, or vice versa.
To save your application progress, enter your email address to receive a link to resume your application at a later time.
You can view your past check orders through the Deluxe check reordering system. To log in, enter North Shore Bank's routing number (275071356), your checking account number, and your zip code.
Once you've logged in, select "My Orders" from the upper-right of your screen and your order history from the last five years will be displayed.
Existing and new customers can open personal checking, savings, and money market accounts.
Existing customers can also open Certificates of Deposit.
We ask that you schedule an appointment at your nearest branch to open the following types of accounts:
• Any account for a minor (under the age of 18)
• Certificates of Deposit if you are a new customer
• Health Savings Accounts (HSAs)
• Individual Retirement Accounts (IRAs)
• Trust Accounts
• Custodial Accounts
• Business Accounts
New customers click here to get started.
If you have a personal deposit account or loan with North Shore Bank, log into Online Banking to open your new account. You will save time and the process will be more efficient.
If you’d like to open a business account, please contact a North Shore Bank Business Banker.
Current customers can open a new checking, savings, money market, or Certificate of Deposit within the Mobile App or Online Banking. In the Mobile App, log in and select Open an account listed under Quick Links. Or within Online Banking, log in and select Open An Account, then Open Checking, Savings, or CD.
New customers can open a new checking, money market, or savings account online in just a few minutes. Get started now.
For those who prefer the human touch, stop by any branch or go online to schedule an appointment.
Message and data rates may apply when using the Mobile App.
The easiest way to sign up for direct deposit is to present your payroll department with a completed Direct Deposit Enrollment Form. It will have all the information they'll need to get you started.
Your account number can be found on your eStatement, paper statement or checks (second set of numbers).
Your employer must start the direct deposit process, however, you can download a Direct Deposit Enrollment Form to expedite the process.
You can authorize direct deposit of your payroll, Social Security, retirement, Veteran's Administration benefits or almost any recurring deposits.
With direct deposit, your check is automatically and safely deposited into your account. On payday, your money is right where you need it.
To help prevent overdrafts from occurring, we offer Overdraft Protection, which will automatically transfer funds from another North Shore Bank account or home equity line of credit that you own to cover the overdrawn balance.
Learn more about this service or visit your neighborhood North Shore Bank branch to sign up today.
Your cost for checks will vary depending on the style, type, and quantity you order. You can view pricing after logging directly in to Deluxe. To log in, enter North Shore Bank's routing number (275071356), your checking account number, and your zip code.
To place a stop payment on a check through Online Banking, select the appropriate checking account and then select Stop Payments. Fill out the required check details on the next screen, review them, and submit your request.
Additionally, a stop payment request can be made by calling Customer Support at 877-672-2265.
For information on stop payment fees, please refer to the current Personal Accounts Fee Schedule or the Business Accounts Fee Schedule.
The negative balance should be paid within 25 days. For assistance, you can contact Customer Support by email or by phone at 877-672-2265.
The minimum balance required for a checking or savings account will vary depending on the type of account you have or would like to open.
View our selection of personal checking accounts and savings accounts to learn more.
Your check may clear for a different amount if the written amount in words does not match the numerical amount. For security reasons, we are unable to provide all the specifics regarding this issue. Please contact Customer Support at 877-672-2265 or visit your local branch for assistance.
North Shore Bank is required to obtain a one-time authorization from you to authorize and pay overdrafts for North Shore Bank ATM or everyday debit card transactions, and in exchange will charge an overdraft fee for this service. This is referred to as Extended Debit Card Coverage.
If you decline or do not give consent for this coverage, one of the following two events will occur if there are non-sufficient funds to cover North Shore Bank ATM and everyday debit card transactions:
- The transaction will be declined.
- Certain debit card transactions will be paid, but North Shore Bank is not permitted to charge an Overdraft Fee.
You may change your election at any time by visiting a branch, sending a secure message through Online Banking, or by contacting Customer Support at 877-672-2265.
Cell Phone Protection is an exclusive benefit that North Shore Bank provides for Platinum Debit Card and Business Debit Card cardholders. As long as you pay your monthly cellular bill with your North Shore Bank Platinum or Business Debit Card, you are automatically covered for up to $600 ($1,000 Annually) – at no additional cost – if your phone is stolen or damaged.1
Coverage includes the primary line and unlimited additional or supplemental lines on the monthly billing statement from your cellular provider.
For more detailed information, please view the appropriate Mastercard Guide to Benefits:
1 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 Guide to Benefits for details.
Overdraft Protection
When you make a withdrawal that results in a negative balance in your checking account, Overdraft Protection may help prevent an overdraft by automatically transferring funds to your checking account from another eligible deposit account or Home Equity Line of Credit (subject to interest) you have at North Shore Bank. Overdraft Protection services apply to all transactions.
Overdraft Protection is a great way to protect against the fees merchants may charge for returned checks and there is no charge for the automatic transfer of funds. If you would like to sign up for Overdraft Protection, please visit your nearest North Shore Bank location.
Overdraft Privilege
Overdraft Privilege allows you to overdraw your account up to a preset limit for a fee in order to pay a transaction. This limit is set by North Shore Bank. Even if you have Overdraft Protection, Overdraft Privilege is still available as secondary coverage if the Overdraft Protection source is exhausted. North Shore Bank has the discretion to pay overdrafts on accounts in good standing and any payment is a discretionary courtesy, and not a customer right nor an obligation of North Shore Bank. North Shore Bank can stop paying overdrafts at any time without prior notice of reason or cause.
Learn more about Overdraft Protection and Overdraft Privilege.
Please report missing checks immediately. We will place a lock on your account and help you set up a new account. Please contact our Customer Support Team at 877-672-2265 or come into your local office.
The minimum balance required for a checking or savings account will vary depending on the type of account you have or would like to open.
View our selection of personal checking accounts and savings accounts to learn more.