I have a negative balance in my Checking Account. What should I do?

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.

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.

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.

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:

• Platinum Debit Mastercard Guide to Benefits
• Business Debit 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.

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.

Learn more about Extended Debit Card Coverage.

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.

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.

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.

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.

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.

Ordering checks online is fast and convenient. Plus you'll get instant confirmation of your order, and you can check your order's status online anytime.

There are several ways you can order checks:

• Log in to Online Banking (web-based); select the Reorder Checks link.
• Order directly through Deluxe. To log in, enter North Shore Bank's routing number (275071356), your checking account number, and your zip code.
• Mail or bring your check order form to your nearest North Shore Bank office.

Your cost for checks will vary depending on the style, type, and quantity you order. You can view pricing after logging in to Deluxe. 

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.

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.

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, we offer a unique account that helps you build your financial IQ without worrying about overdrafts. Learn more about Balance Checking.

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.

Direct Deposit Change Form

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.

Existing Customers

Existing North Shore Bank customers with personal accounts should log into Online Banking to open their new account. It will save you time, and the process will be more efficient.

New Customers

New North Shore Bank customers will need to provide the following information for the primary account owner to open a new account online: 

• Email Address
• Complete Name
• Current Home Address, including City, State, and Zip Code
• Date of Birth
• Primary Phone Number 
• Social Security Number
• Driver's License or other Government-Issued Identification
• Employer/Income Information
• The routing number and account number at your existing bank, or a debit or credit card number, to fund your new account

You will also be asked to answer questions regarding your expected account activity, including cash deposits/withdrawals and wire transfers. 

Joint Account Owners

If you are opening a joint account online, the following information is needed for the joint owner: 

• Email Address
• Complete Name
• Current Home Address, including City, State, and Zip Code
• Date of Birth
• Primary Phone Number 
• Social Security Number
• Driver's License or other Government-Issued Identification
• Employer/Income Information

Beneficiaries

If you are adding a beneficiary, the following information is needed for the beneficiary:

• Complete Name
• Current Home Address, including City, State, and Zip Code
• Date of Birth
• Social Security Number
• Relationship to Account Holder

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.

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

When opening an account online, your initial deposit must be done by transferring money from your current bank account or by debit or credit card.

To set up a transfer from your checking account at another bank, you will need your current bank's routing number and account number. Typically, this information is found on a printed check, deposit ticket or account statement.

Using a prepaid card to fund a new account is highly discouraged. In most cases it does not contain the necessary information required to successfully fund an account. Please visit a North Shore Bank location to open the account.

After successfully submitting your application online, you'll receive an email from North Shore Bank confirming that we are reviewing your application. This email confirms we received your information, however does not confirm your new account.  We will reach out via email or telephone within 24-48 business hours to confirm the status of your account application.

Depending on how the processing of your application proceeds you will receive additional emails:

• More Information Needed For Your Application (Pending) - this email instructs you to contact us to gather additional information. 
• Welcome to North Shore Bank! - Confirms that your new account is open. NOTE: This email contains your new account number. Your account number is the Application ID number. 
• Please Validate Your Account - Communicates the steps to take to make your initial deposit to your new account. 

Watch your inbox for communications regarding the status of your application. We may also reach out by phone if additional questions arise during the application review process.