Are there fees when using my debit card internationally?

If your debit card is lost, stolen, or misplaced, contact us immediately at 888-437-0103. If you use Digital Banking, you can also temporarily lock your debit card while you look for it. If you find your card, simply unlock it. This number is available 24/7.

Tip: Locking your debit card in Digital Banking can provide added peace of mind while you determine whether your card is lost or simply misplaced.

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You can add your North Shore Bank Debit Mastercard® to supported digital wallets, including Apple Pay®, Google Pay™, and Samsung Wallet®. Once added, you can make fast, secure purchases using your compatible smartphone, tablet, smartwatch, or other eligible device.

To learn how to add your card and start using your digital wallet, watch our video tutorial or visit our Digital Wallets page.

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Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries and regions. Google Pay is a trademark of Google LLC. Samsung Wallet is a trademark of Samsung Electronics Co., Ltd.

You can change your debit card PIN anytime through Digital Banking or by phone.

• In Digital Banking, sign in, select Cards, and choose Set PIN.
• You can also change your PIN by calling card services at 1-800-992-3808.

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If you'll be using your debit card while traveling, we recommend setting up a travel plan through Digital Banking so we know when and where you'll be using your card. Travel plans can be added for destinations within the U.S. or internationally.

In Digital Banking, select Cards, then Manage Travel Plans.

You can also contact Customer Support at 877-672-2265 during business hours to provide your travel details. After hours, call 888-437-0103, available 24/7.

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You can change your PIN in our Mobile App or within Online Banking. In the Mobile App, access your account and tap “Cards” and then select “Set PIN”. Within Online Banking, log in to your account, click “Manage Cards” and select “Set PIN”.

Or you can call 1-800-992-3808.

When you use your North Shore Bank Debit Mastercard® to tap and pay $10 or more at participating transit systems, you’ll automatically receive a $2.50 statement credit from Mastercard. It’s their way of making your next ride even smoother.

The statement credit will post to your account as “MastercardTransi Credit” usually within 30 days of your qualifying transit transaction. 

This offer is valid at select U.S. transit agencies that accept contactless Mastercard payments. Learn more about the offer ,including full Terms & Conditions at mastercard.com/transitbenefit.

The bank cannot dispute “pending authorizations”. Only authorized debit card transactions that have cleared and posted to your account can be disputed.

If you have any immediate concerns about a pending charge, contact the merchant directly.

View Debit Card Rules.

There could be several reasons why your debit card does not work, from fraud protection to insufficient funds. Please call our Customer Support Team at 877-672-2265.

Please call our Customer Support Team at 877-672-2265. For security purposes, you will need to provide specific data so we can identify you and help you resolve the situation.

Please call our Customer Support Team at 877-672-2265. For security purposes, you will need to provide specific data so we can identify you and help you resolve the situation.

View a comparison of our debit cards

Your debit card PIN (Personal Identification Number) is established when you open your account or activate a new card.

For your security, North Shore Bank cannot view or provide your current PIN. If you don't know your PIN, you can create a new one through Digital Banking or by phone.

In Digital Banking, sign in, select Cards, and choose Set PIN.

You can also change your PIN by calling card services at 1-800-992-3808.

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If you are using a North Shore Bank debit card, please contact Customer Support at 877-672-2265. Otherwise contact the bank that issued the card.

There could be several reasons why your debit card PIN does not work, from fraud protection to insufficient funds. For security reasons, please contact our Customer Support Team at 877-672-2265.

For security reasons, please call our Customer Support Team at 877-672-2265 regarding your debit card.

View a list of countries that currently do not accept debit cards.

View Debit Card Rules.

When you receive a new debit card, you'll need to update your card information anywhere it is used for recurring payments, subscriptions, online shopping accounts, and other merchants where your card is saved for future purchases. Be sure to update your card's expiration date and security code (CVV/CVC).

To identify recurring payments and cards you have on file, review your checking account statement or access Cards in Digital Banking.

If you use a digital wallet, such as Apple Pay®, Google Pay™, or Samsung Wallet®, remember to update your card information on your smartphone, tablet, smartwatch, or other compatible device.

Message and data rates may apply when using the mobile app.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries and regions. Google Pay is a trademark of Google LLC. Samsung Wallet is a trademark of Samsung Electronics Co., Ltd.

Please call our Customer Support Team at 877-672-2265. For security purposes, you will need to provide specific data so we can identify you and help you resolve the situation.

Your new debit card will be mailed automatically before your current card expires. Most customers receive their replacement card during the first or second week of the expiration month shown on their card (MM/YY).

You can continue using your current card through the end of its expiration month. Once your new card arrives, activate it through Digital Banking and begin using it right away.

To help avoid delivery delays, make sure your mailing address is up to date. Learn more about updating your contact information.

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Learn about the MoneyPass® ATM network and how North Shore Bank customers enjoy surcharge-free withdrawals nationwide.

Most transactions must be disputed within 60 days of the date of your statement on which the error appeared. If you did not provide your account information to the merchant in question and suspect that your information was stolen, contact Customer Support immediately.

View Debit Card Rules.

ATM and PIN-based debit card transactions usually post the same business day and other everyday signature-based debit card transactions generally post within four business days.

View Debit Card Rules.

Exchange rates are calculated in global currency markets and can fluctuate.

If you need a replacement debit card, visit your local branch or contact Customer Support at 877-672-2265 for assistance.

If your debit card is lost, stolen, or misplaced, you can temporarily lock your card in Digital Banking to help prevent unauthorized transactions while you look for it. If you cannot locate your card or believe it has been compromised, call 888-437-0103 immediately. This number is available 24/7.

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If you're receiving a new debit card because you've opened a new account or your card was lost or stolen, you can use a temporary digital debit card until your physical card arrives.

Add your temporary card through Digital Banking

You can view your temporary digital debit card in Digital Banking (desktop and mobile app). However, to add the card to Apple Pay®, Google Pay™, or Samsung Wallet®, you'll need to use the mobile app.

1. Sign in to the North Shore mobile app and select Cards.
2. Select your new debit card.
3. Choose Add to Apple Pay® or Add to Google Pay™ Samsung Wallet?
4. Enter the authentication code sent to you by text or email.
5. Your temporary card will be added to your digital wallet.

You can also view your temporary card details, including the card number, expiration date, and security code, for one-time purchases until your physical card arrives.

Add your temporary card using the text message invitation

1. Open the text message sent from short code 66368.
2. Select the link provided (valid for 21 days).
3. Verify your identity using the requested information and one-time passcode.
4. Accept the Terms and Conditions.
5. Choose Apple Pay® or Google Pay™ and follow the prompts to add your card to your digital wallet.
6. Create a PIN if desired.

When your physical card arrives

Be sure to activate your physical debit card as soon as you receive it. Once activated, your temporary digital card will no longer work. You'll also need to update your card information in any digital wallets, subscriptions, or merchants where your temporary card was stored.

Message and data rates may apply when using the mobile app.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries and regions. Google Pay is a trademark of Google LLC. Samsung Wallet is a trademark of Samsung Electronics Co., Ltd.

You can activate your debit card through Digital Banking or by phone.

To activate your card in Digital Banking, sign in and select Cards.

You can also activate your card by calling 1-800-992-3808. If you activate by phone, you'll need:

• Your new debit card number
• The 3-digit security code (CVV/CVC) on the back of the card
• The last four digits of your Social Security number
• The ZIP code where the card was mailed

After activation, you can also set or update your PIN through Digital Banking or by following the prompts during the phone activation process.

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You can customize debit card alerts in Digital Banking.

In Digital Banking, select Cards, then Controls & Alerts. From the Alerts section, you can choose to receive alerts for:

• All debit card transactions
• No transactions
• Specific transaction types based on your preferences

You can also:

• Lock or unlock your debit card
• Set travel plans
• Report a card as lost or stolen
• Manage card controls and preferences

Setting up alerts is a great way to monitor card activity and quickly identify unauthorized transactions.

Message and data rates may apply when using the mobile app.

Yes. You can use your North Shore Bank debit card while traveling internationally. Before you travel, we recommend setting up a travel plan in Digital Banking, so we know when and where you'll be using your card.

You can add a travel plan in Digital Banking by selecting Cards, then Manage Travel Plans. 

You can also contact Customer Support at 877-672-2265 during business hours with your travel details. After hours, call 888-437-0103, available 24/7.

International debit card transactions may be subject to the following fees:

• A Currency Conversion Assessment Fee of 0.20% of the transaction amount when a currency conversion is performed.
• An Issuer Cross-Border Assessment Fee of 0.90% of the transaction amount.

These fees may apply in addition to the cost of your purchase.

Tip: Before you travel, confirm your contact information is up to date so we can reach you if we detect unusual card activity while you're away.

Message and data rates may apply when using the mobile app.

Stop payments cannot be placed on one-time, everyday point-of-sale (POS) debit card transactions.

Stop payments can be placed only if the transaction is a recurring payment. The bank must be notified three business days before the recurring payment posts to the account. A stop payment fee applies. For current fees, please refer to our Personal Accounts Fee Schedule.

View Debit Card Rules.

No; only posted or cleared debit card transactions can be disputed because pending charges are temporary and may change.

Consider calling the merchant first, as they may resolve your claim faster. We may also require information from the merchant to process a claim, so contacting them directly may save you time.

The merchant's contact information is typically found on your receipt, email confirmation, or billing statement.

View Debit Card Rules.

Standard Debit Cards

For your protection, the Standard Debit Card has a daily spending limit of $6,000, as long as funds are available in your account. ATM withdrawals have a daily limit of $1,000, which may vary depending on the ATM. This limit also includes an additional $15 to cover any ATM fees that may be assessed, for a total spending limit of $7,015.

If you need to make a purchase that exceeds the $6,000 daily spending limit, call the number on the back of the card or contact North Shore Bank Customer Support to request a temporary limit increase.

Platinum and Business Debit Cards

For your protection, the Platinum Debit Card has is a daily spending limit of $10,000, as long as funds are available in your account. ATM withdrawals have a daily limit of $1,000, which may vary depending on the ATM. This limit also includes an additional $15 to cover any ATM fees that may be assessed, for a total spending limit of $10,015.

If you need to make a purchase that exceeds the $10,000 daily spending limit, call the number on the back of the card or contact North Shore Bank Customer Support to request a limit increase.

HSA Debit Cards

For your protection, the Health Savings Account Debit Card has a daily spending limit of $3,000, as long as funds are available in your account. ATM withdrawals have a daily limit of $1,000, which may vary depending on the ATM. This limit also includes an additional $15 to cover any ATM fees that may be assessed, for a total spending limit of $4,015.

If you need to make a purchase that exceeds the $3,000 daily limit, call the number on the back of the card or contact North Shore Bank Customer Support to request a limit increase.

Yes. International debit card transactions may be subject to the following fees:

• Currency Conversion Assessment Fee: 0.20% of the transaction amount when a currency conversion is performed.
• Issuer Cross-Border Assessment Fee: 0.90% of the transaction amount.

These fees may appear on your checking account statement when you use your debit card outside the United States or with merchants that process transactions internationally.

Before you travel, we recommend setting up a travel plan in Digital Banking, so we know where you'll be using your card.

• You can create a travel plan in Digital Banking by selecting Cards, then Manage Travel Plans. 
• You can also contact Customer Support at 877-672-2265 during business hours. After hours, call 888-437-0103, available 24/7.

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Yes. All rewards points redemptions are final. Points redeemed for any reward cannot be returned, reinstated, exchanged, or reversed for any reason, including accidental selection or non-use of the reward.

It’s easy! After you’re enrolled in Debit Rewards, you can redeem your points anytime to pay for eligible purchases at Amazon.com. Select to pay with your North Shore Bank debit card when you’re ready to check out. You’ll be able to choose your reward points to cover all or part of your purchase.

Visit Amazon’s uChoose Rewards page to learn more about how it works.

If your North Shore Bank debit card is connected to your PayPal® account, you’ll automatically be able to see your available reward balance and pay using your points.

You can also visit PayPal uChoose Rewards or add to link your card.

Once you’ve registered for Debit Rewards, you can use your reward balance to buy gas at more than 8,000 participating bp® and Amoco® gas stations nationwide. Simply tap, swipe, or insert your North Shore Bank Standard or Platinum Debit Mastercard® to save at the pump.

You’ll automatically receive a discount offer to save 50 cents per gallon (up to 20 gallons). Select “Yes” to redeem 1,500 points, and then watch your price roll back. To find participating stations near you, visit the bp Pump Locator.

With Debit Rewards, you can use your points to pay for purchases with PayPal®, Amazon.com, and even bp® and Amoco® gas stations.

Log in to your North Shore Bank account in the Mobile App or Online Banking and go to “Rewards” to see how it works. Under the “Redeem Points” tab, choose “Pay with Points” to get started.

Yes! Purchases made with Apple Pay, Samsung Pay, or Google Pay will still be included in your rewards.

Most points will be accumulated and available for redemption at the beginning of each month based on the prior month’s card activity. To redeem your points, you must accumulate a minimum of 500 points. View your points total by selecting Rewards in Digital Banking.

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Participation in Debit Rewards requires using Digital Banking and accepting the terms and conditions to register your card. Available on Platinum and Standard Debit Cards associated with a North Shore Bank checking account. Business cards or cards tied to Health Savings Accounts are ineligible.

You can earn Debit Rewards when you make purchases with the Standard or Platinum Debit Mastercard® associated with your North Shore Bank checking account. Business cards or cards tied to Health Savings Accounts are ineligible.

There’s no limit on the number of points you can earn each year, and you have three years to use your points before they expire. For complete details, see the Rewards Terms & Conditions.

Points earned from debit card purchases throughout the current month will become available by the first day of the following month. You can view your point activity in your Debit Rewards account under the “My Rewards” tab anytime.

In rare circumstances, it can take up to 60 days for those transactions to appear. If points from a qualified transaction do not appear after 60 days, contact us for assistance.

You sure can! All North Shore Bank debit cards connected to the same checking account automatically earn points. Plus, when you are the account owner, you can link multiple accounts together to earn rewards faster.

Within Rewards, simply click on your profile and select “Link Account” to add another North Shore Bank debit card to your Debit Rewards account.

After enrolling, you can earn points by making purchases using your North Shore Bank debit card.

• Standard Debit Mastercard earns 1 point for every $4 spent
• Platinum Debit Mastercard earns 1 point for every $2 spent

You can earn even more points when you shop at the participating retailers featured on the Debit Rewards site found in Digital Banking.

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Participation in Debit Rewards requires using Digital Banking and accepting the terms and conditions to register your card. Available on Platinum and Standard Debit Cards associated with a North Shore Bank checking account. Business cards or cards tied to Health Savings Accounts are ineligible.

You can easily view your debit card rewards activity anytime by selecting “My Rewards” within Digital Banking.

In Digital Banking, tap Cards, then Rewards.

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Participation in Debit Rewards requires using Digital Banking and accepting the terms and conditions to register your card. Available on Platinum and Standard Debit Cards associated with a North Shore Bank checking account. Business cards or cards tied to Health Savings Accounts are ineligible.

To register, select Cards in Digital Banking. Then select Rewards. To complete your registration, simply accept the Terms and Conditions. View a video tutorial.

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Participation in Debit Rewards requires using Digital Banking and accepting the terms and conditions to register your card. Available on Platinum and Standard Debit Cards associated with a North Shore Bank checking account. Business cards or cards tied to Health Savings Accounts are ineligible.

Debit Rewards is a rewards program where you earn points for using your Standard or Platinum Debit Mastercard® associated with your North Shore Bank checking account. Points can be redeemed for cash back, gift cards, or Pay with Points at Amazon and PayPal.

Business cards or cards tied to Health Savings Accounts are ineligible. You must be a Digital Banking user to be eligible for Debit Rewards.

Message and data rates may apply when using the mobile app.

Participation in Debit Rewards requires using Digital Banking and accepting the terms and conditions to register your card. Available on Platinum and Standard Debit Cards associated with a North Shore Bank checking account. Business cards or cards tied to Health Savings Accounts are ineligible.