FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Frequently Asked Questions
About Us
- Can I schedule an appointment at a branch online?
- Do you offer signature guarantees?
- How can I learn more about North Shore Bank's Security Statement?
- How can I protect myself from identity theft?
- How do I contact Customer Support?
- I received a survey request claiming to be from North Shore Bank. Is this survey legitimate?
- On which social media channels can I follow North Shore Bank?
- What are some top financial security tips I should be aware of?
- What are your hours?
- What are your locations?
- What branches feature Video Tellers?
- What is the routing number or ABA number for North Shore Bank?
- What is your contact information such as your mailing address?
- What is your SWIFT code?
- What market areas does North Shore Bank serve?
- Where can I get information about career opportunities?
- How can I find your current Statement of Financial Condition?
ATM
Bill Pay
- Am I required to register before sending a payment with the online loan payment service?
- Can I cancel or change a scheduled Bill Pay payment?
- Can I pay off my Home Equity Loan or mortgage through the online loan payment service?
- Can I set up and make recurring loan payments online?
- Can I submit a lease payment through the online loan payment service?
- How do I sign up for online Bill Pay?
- How do I get started receiving eBills?
- How do you know when I have new eBills to pay?
- How far in advance can I schedule a payment with Bill Pay?
- How fast are bill payments delivered?
- How long will my eBills be available online?
- How much do eBills cost?
- How much does it cost to use Bill Pay?
- How secure is Bill Pay?
- What account number should I provide when registering to pay my loan online?
- What are eBills?
- What happens to payments made on the online loan payment service after 5:30 PM on Friday, Saturday, and Sunday?
- What is the daily cut-off time to make a payment that will get posted towards the current business day activity?
- What is the maximum payment amount that I can submit through the online loan payment service?
- What type of account is required for Bill Pay?
- When I receive an eBill, how do I pay it?
- When will I receive my eBills each month?
- Why did I receive an eBill when I did not initiate it?
- Will I be charged a fee for submitting a payment through the online loan payment service?
- Will I still receive a paper bill in the mail with eBills?
Business Banking
Business Online Banking
- ACH Instructions for Business Online Banking
- Business Online Banking Quick Tips
- Can I use QuickBooks Self-Employed?
- How do I connect my Business Online Banking account to my QuickBooks software?
- How do I enroll in eStatements through my Business Online Banking account.
- How long do the temporary passwords for Business Online Banking last for?
- I can’t log into Business Online Banking
- I'm having trouble enrolling in eStatements, who should I contact?
- Is a Business Banking App available for tablets (iPad and Android)?
- Remote Deposit Capture Scanner Driver Installation Instruction (Firefox)
- Remote Deposit Capture Scanner Driver Installation Instruction (Edge and Chrome Browsers)
- Remote Deposit Capture Setup Instructions
Checking
- Do you offer a Bank On account?
- Do you offer a checking account without overdraft fees?
- What if I can’t upload my photo ID when opening a new checking or savings account online?
- Download a Direct Deposit Change Form today to get started!
- How can I get a copy of a canceled check?
- What if I don’t have all of my required information when I start a new checking or savings account application online?
- How can I view my previous check orders?
- What types of accounts can I open online?
- How do I open a new account?
- How do I sign up for overdraft protection?
- How much does it cost to reorder checks?
- How do I request a stop payment on a check and what does it cost?
- I have a negative balance in my Checking Account. What should I do?
- Is there a minimum balance required for a checking or savings account?
- I wrote a check and it cleared for a different amount than what I wrote it. Why?
- What is Extended Debit Card Coverage?
- What is Overdraft Privilege?
- What is the cell phone protection coverage?
- What is the difference between Overdraft Protection and Overdraft Privilege?
- What should I do about missing checkbooks?
- Will I be charged a fee for my checking or savings account?
Originate Deposits
- I completed the process to open a deposit account online. What's next?
- I would like to open an account online. How do I make the initial deposit?
- What if I can’t upload my photo ID when opening a new checking or savings account online?
- What if I don’t have all of my required information when I start a new checking or savings account application online?
- What information do I need to open a new account online?
- What types of accounts can I open online?
Credit Cards
Debit Cards
- Can I add my debit card to my digital wallet?
- Can I receive cash back with my debit card?
- Can I use my contactless debit card on payment readers that don't display the contactless symbol?
- Do I still need to sign the back of my contactless debit card?
- How do I make purchases with my contactless debit card? How close does my card need to be?
- How does contactless technology work?
- Do you have a rewards program?
- Are there fees when using my debit card internationally?
- Are there spending limits on my debit card?
- Can I dispute a pending debit card transaction?
- Can I place a stop payment on a debit card transaction?
- How do I change my PIN for my debit card?
- Can I use my debit card while traveling internationally?
- Does the physical card need to be added to my mobile wallet if the temporary digital debit card was already added?
- Does the temporary digital card need to be activated?
- Do I need to contact North Shore Bank when I am traveling and want to use my Debit Card?
- How do I set up alerts for my debit card?
- How and where can the temporary digital debit card be used?
- How does the temporary digital debit card work?
- How do I activate my debit card?
- How do I add my temporary digital debit card to my digital wallet?
- How do I change my personal identification number (PIN) for my debit card?
- How do I order a new debit card?
- How do you determine exchange rates for foreign transactions?
- How long can I use the temporary digital debit card?
- How long does it take for a pending/in process debit card transaction to clear my account?
- How long do I have to notify the bank of an unauthorized charge on my debit card?
- If I add my temporary digital debit card to my Apple Pay® or Google Pay™ wallet, do I still have to activate the physical card I receive in the mail?
- MoneyPass ATM network
- My debit card is expiring. When will I receive my new debit card?
- My debit card is not working; help!
- What happens to recurring payments when I get a new debit card?
- What are your debit card rules?
- What countries do not accept debit cards?
- What do I do if my debit card does not work?
- What do I do if my personal identification number (PIN) does not work?
- What happens if the ATM doesn't dispense my money and the funds have been deducted from my account?
- What is a temporary digital debit card?
- What is my PIN for my debit card?
- What is the difference between the Platinum and Standard Debit Card?
- What should I do if I am out of town and my debit card is declined and I know that the funds are available?
- What should I do if my debit card becomes lost or stolen?
- Who do I call if my debit card is restricted?
- Why are my debit card transactions being denied so often?
- Why do I have to wait to dispute a pending/in process debit card transaction?
Digital Wallets
- Are my Digital Wallet purchases covered by Fraud Protection?
- How do I add my North Shore Bank Debit Card to Google Pay?
- How do I add my North Shore Bank debit card to Apple Pay?
- How do I set my North Shore Bank debit card as the default card in my digital wallet?
- How is my information protected when using a Digital Wallet?
- If I receive a new debit card, do I need to add it to my Digital Wallet?
- Is there a fee or charge for using a Digital Wallet?
- What if I need to return an item that I purchased using my Digital Wallet?
- Which devices can I use with a Digital Wallet?
- I am trying to add my debit card to my digital wallet. Why am I being prompted to call my bank for verification?
- Will I be able to see my Digital Wallet transactions on my phone?
General
- Are IRA recharacterizations still allowed?
- Can I deposit coins in a branch?
- Do you have a list of foreclosed homes?
- How can I get my account number?
- How can I prevent unclaimed property from being escheated?
- How can I submit a secure email through Online Banking?
- How many accounts can I open?
- If someone transfers money into my account, can they see my account balance?
- What does Revocable Proxy mean?
- What is an IRA recharacterization?
- What is an IBAN and is it required for international transfers?
- What is my account number?
- What is the difference between a credit card and a debit card?
- What is the difference between Current Balance and Available Balance?
- What is unclaimed property?
- When is property considered unclaimed?
- Who can I ask about recharacterization and whether or not to do a Roth IRA conversion?
- Why am I seeing pop-up ads when I visit northshorebank.com?
- How do I set up an automated transfer in Online Banking or the Mobile App?
Greenlight
- Can existing Greenlight customers be added to the program?
- Can friends and family send my kids money using Greenlight?
- Can I send money to my child’s Greenlight card from the North Shore Bank app or website?
- Does Greenlight offer direct deposit?
- Does Greenlight offer interest?
- Does Greenlight provide a debit or credit card?
- Does Greenlight work with Apple Pay and Google Pay?
- How can I check my child’s spending history in Greenlight?
- How do I activate my child’s Greenlight card?
- How do I sign up for Greenlight at no cost?
- How do I verify my funding source within Greenlight?
- How is Greenlight different from a traditional debit card?
- How long will it take for my Greenlight debit cards to arrive?
- How much does Greenlight cost?
- I signed up for Greenlight through the North Shore Bank link, but I was just charged a monthly fee.
- Is Greenlight safe?
- Is there a minimum age for Greenlight?
- Where is the Greenlight debit card accepted?
Health Savings Accounts (HSA)
- Are there tax advantages to having a Health Savings Account?
- How do contributions to an HSA work?
- How do I know if I can have a Health Savings Account?
- What are the contribution limits for an HSA?
- What are the requirements for your Health Savings Accounts?
- What is a Health Savings Account?
- What is a High Deductible Health Plan (HDHP)?
- What should I know about HSA distributions?
- Who can help me determine if I’m eligible for an HSA?
Leases
Loans
- Apply for your motorcycle loan online today
- Are there closing costs associated with a Home Equity Line of Credit?
- Can I apply for a loan even if I am coming out of bankruptcy?
- Can I apply for an auto loan if I have not found the car I want yet?
- Can I set up my Online Banking to automatically deduct my loan payment?
- Can I apply for work out assistance on all my loans If I have more than one?
- Can I change the due date on my loan?
- Can I get a 1098 tax form for the interest paid on my loan?
- Can I make a principal only payment online?
- Can my loan be paid off by a third party?
- Can you send a 10-day loan payoff quote to my bank or credit union?
- Do I get credit if the payoff balance is less than the Gap insurance is willing to pay?
- Do I have a grace period on my loan or do I need to pay on my due date?
- Do you have loans for motorcycles?
- Do you offer construction loans?
- Do you offer home equity lines of credit?
- Do you offer payday loans?
- How can I qualify for a loan?
- How do I apply to refinance my auto loan?
- How do I apply to refinance my home equity loan?
- How do I check the status of a loan application?
- How do I request a duplicate lien release?
- How is the rate determined for my Home Equity Line of Credit?
- How long does a loan approval take?
- How long will it take to receive a vehicle title when a customer pays their auto loan off?
- How soon should I expect to receive my paid loan papers and lien release after I pay off my consumer loan with the bank?
- I want to pay off my loan. Where do I send the loan payoff funds?
- If I get an auto loan through North Shore Bank do I have to purchase a car from an auto dealer?
- If I have bad credit, can I qualify for an auto loan?
- What are your current auto loan rates?
- What do you mean by risk based lending?
- What insurance requirements do you have for auto loans?
- What is my loan payoff amount?
- What is the interest rate on my loan?
- Where should I send proof of insurance related to my loan?
- Why does my loan statement have a different amount due rather than the normal payment amount?
- Why does my loan statement say I don't owe a payment until later in the future?
- Auto Loan Application Checklist
- HELOC Application Checklist
- Mortgage Application Checklist
Mobile App
- Why is my mobile device no longer compatible with the Mobile App?
- How long will it take for funds transferred via the Mobile App to be made available?
- How do I add the Mobile App to my new phone?
- How does Mobile Deposit work?
- How long should I keep the original checks that I deposit with the Mobile App?
- What are the hardware & software requirements for the Mobile App?
- What versions of Android are compatible with the Mobile App?
- Is Mobile Deposit secure?
- What versions of iOS are compatible with the Mobile App?
- What kind of checks can I process using Mobile Deposit?
- Which accounts can be viewed using the Mobile App or Online Banking?
- When will my Mobile Deposit be processed?
- When will my Mobile Deposit funds be available?
- Why do I need to enter my password before making a transaction within the Mobile App?
- How do I update my profile or contact information (phone, mailing address, email) in the Mobile App?
Mobile Deposit
- Why is my mobile device no longer compatible with the Mobile App?
- How does Mobile Deposit work?
- How long should I keep the original checks that I deposit with the Mobile App?
- Is Mobile Deposit secure?
- What kind of checks can I process using Mobile Deposit?
- When will my Mobile Deposit be processed?
- When will my Mobile Deposit funds be available?
Mortgage
- Can you send a 10-day loan payoff quote to my bank or credit union?
- Mortgage Application Checklist
- Apply for your mortgage loan.
- Are there other products at North Shore Bank that can enhance my mortgage?
- Are there tips I can use for faster closing?
- Can I be notified when mortgage or refinance rates change?
- Can I change insurance companies for my homeowner's policy? Do I need to notify you?
- Can I cancel or waive my escrow account?
- Can I pay my own real estate taxes and homeowners insurance if my mortgage is through North Shore Bank?
- Can I refinance my current mortgage?
- Can I roll my closing cost fees into my loan?
- Contact a Mortgage Loan Officer
- Do I need to provide you with proof of my Homeowners Insurance?
- Do I need to send you a copy of my property tax bill for my mortgage?
- Do you have first-time homebuyer programs?
- Do you offer VA or FHA loans?
- How are my property taxes paid?
- How can I get the best mortgage rate?
- How can I improve my chances of getting a mortgage?
- How is an escrow shortage collected?
- How much will it cost me to refinance my first mortgage?
- I had a fire loss (or other damage) to my property. What should I do?
- I received a check from my insurer covering the loss to my property, and it is payable to both the bank and me. What do I need to do next?
- Is it better to pay points for a lower rate?
- What are my closing costs for my mortgage?
- What documents do I need to close on a mortgage?
- What happens after I apply for a mortgage?
- What happens if I send in a mortgage payment that is less than the full monthly payment due?
- What is a mortgage loan?
- What is a Mortgage Note?
- What is an escrow account?
- What is an escrow analysis?
- What is Freddie Mac?
- What is the maximum mortgage amount I can apply for?
- What is the Truth-In-Lending Act?
- What kinds of mortgages does North Shore Bank offer?
- What’s the best term for a mortgage?
- When is my mortgage payment posted to my account?
- When will I receive a refund of my escrow overage?
- Where can I find a listing of your Mortgage Loan Originators?
- Which Mortgage Loan is the Best: Adjustable or Fixed Rate?
- Why get a home equity line of credit with my mortgage?
- Why get pre-approved before shopping for a home?
Online Banking
- Can I send Account Alerts to multiple email addresses or mobile phones?
- Can I specify a time/times when I don’t want to receive account alerts?
- How do I sign up for account alerts?
- When are account alerts delivered?
- How do I enroll in and use Bill Discovery?
- How can I submit a secure email through Online Banking?
- How can I make a loan payment to another financial institution using Online Banking or the Mobile App?
- Are connections to third party sites secure through the website?
- Can I change my statement date?
- Can I close my bank account(s) through Online Banking or the Mobile App?
- Can I get my Loan Statement online?
- Can I set up my Online Banking to automatically deduct my loan payment?
- Can I view my checks online?
- Digital Banking Terms and Conditions
- Do you offer automated account alerts?
- How can I make a loan payment to another financial institution using Online Banking or the Mobile App?
- How do I access more transaction history in Online Banking or the Mobile App?
- How do I change my email address for my eStatement delivery?
- How do I change my Online Banking challenge/security questions?
- How do I change my Online Banking password?
- How do I connect my Online Banking or Business Online Banking account to QuickBooks Online?
- How do I connect my personal Online Banking account to Quicken?
- How do I deposit checks online?
- How do I determine what browser I am using?
- How do I get a copy of my statement?
- How do I import/export a Quicken Transfer Format (.QFX) file?
- How do I import my personal Online Banking transactions into my Quicken software?
- How do I print or save my eStatements?
- How do I log off of Online Banking?
- How do I re-establish Online Banking after my computer was hacked or compromised?
- How do I remove bookmarked websites from my web browser?
- How do I remove saved passwords from my web browser?
- How do I set up automatic Bill Payment using Online Banking so the money is taken out the same time each month?
- How do I set up SMS eAlerts through Online Banking?
- How do I sign into Online Banking?
- How do I sign up for Bill Pay?
- How do I sign up for the Mobile App?
- How do I sign up for Online Banking?
- How do I sign up for account Alerts in Online Banking?
- How do I sign up to receive eStatements?
- How do I transfer money into a different account?
- How do I view my eStatements?
- How do I view my tax documents electronically?
- How much does it cost to use Online Banking?
- How often is the activity and balance updated on my Online Banking accounts?
- How safe is my account information online?
- How secure is my information in Online Banking?
- How do I set up an automated transfer in Online Banking or the Mobile App?
- How will I be alerted that my eStatement is ready?
- I am having trouble logging into my accounts. My password and user name are being entered correctly. What else could it be?
- I am seeing a ""Session Expired"" message when accessing eStatements.
- Which accounts are eligible to receive electronic tax documents?
- What are cookies?
- What are the username and password requirements for Online Banking?
- What do I do if I forgot my Online Banking password?
- What do I do If I have been locked out of my Online Banking?
- What do the following error messages or warnings mean?
- When will my online fund transfers be processed?
- Why am I getting locked out of Online Banking?
- Will all year-end tax forms be available electronically?
Online Banking Authentication
Bill Discovery
Products
- Do you offer safe deposit boxes?
- Do you offer student loans?
- How do I order checks? How much do checks cost?
- Does North Shore Bank have a prepaid card?
- Does North Shore Bank have a travel card?
- Does North Shore Bank sell gift cards?
- What happens to my Traditional IRA if I die?
- What insurance products do you offer?
- How do you process my transactions? What is "order of processing"?
- What is an IRA?
- What types of IRAs do you offer?
- Will the change in order of process impact me?
Rates and Fees
- Am I required to keep a certain balance in my checking or savings account to avoid a fee?
- Do I have to pay a fee to cash a check in a North Shore Bank branch if I do not have an account?
- Is there a fee for money orders?
- What are your current rates and fees?
- What are your overdraft fees?
- What fees do you charge for ATM/debit card use?
- What is the fee for cashier's checks?
- What is the fee for sending domestic or international wires?
- Why am I seeing a fee on my personal checking or savings statement?
Section 457
Services
- Can I mail a check for deposit into my account?
- Can I print my statement from the Mobile App or Online Banking?
- Can you get me a copy of my credit report?
- Do I need to receive paper statements, or can I get my statements electronically?
- Do you offer a foreign currency exchange service?
- Do you offer a notary service?
- How can I sign up for direct deposit?
- How do I change my name, address, or any other contact information?
- How do I send or receive wire transfers?
- How do I update my profile or contact information (phone, mailing address, email) in the Mobile App?
- How soon are funds from telephone transfers available?
- I noticed an error on my credit report for a North Shore Bank loan. What should I do?
- I tried to perform a transfer through the EASY ACCESS line, but it didn't go through. Why not?
- Is my account information available 24-hours a day?
- What happens if I deposit a check and it bounces?
- What is an eStatement (electronic statement) and where is it?
- What is ChexSystems?
- When will I get my tax documents?
- Why did I receive a call from Fraud Prevention Center?
- Why did my check bounce when I had money?
Zelle
- How do I enroll in Zelle®?
- Is there a minimum age to enroll in Zelle®?
- What is Zelle®?
- Can I cancel a Zelle® payment?
- Can I use Zelle® internationally?
- How do I get started with Zelle®?
- How do I use Zelle®?
- How does Zelle®work?
- How long does it take to receive money with Zelle®?
- I'm unsure about using Zelle® to pay someone and I don't know. What should I do?
- Is my information secure with Zelle®?
- Someone sent me money with Zelle®, how do I receive it?
- What if I get an error message when I try to enroll and email address or U.S. mobile number in Zelle®?
- What if I want to send money to someone whose financial institution doesn't offer Zelle®?
- What types of payments can I make with Zelle®?
- Who can I send money to with Zelle®?
- Will the person I send money to via Zelle® be notified?