What is the Mastercard $2.50 Public Transit credit?

If your card is lost or stolen, you can lock your card using our Mobile App or Online Banking to prevent unauthorized transactions. However, you should still call 888-437-0103 as soon as possible. This number can be reached 24/7.

Yes, you can add your contactless debit card to your digital wallet.

Watch a video tutorial or view a click-through demo.

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.

You can set up your debit card for travel outside your normal footprint, including anywhere in the U.S. or internationally using any one of these methods:

• Using the Mobile App, select Cards, then Manage Travel Plans.
• In Online Banking, select Manage Cards, then Manage Travel Plans.
• Or within Online Banking (web-based) and select Settings, then Security Center, then Travel Notice. Simply provide the requested information.

Of course, you can also contact Customer Support at 877-672-2265 during business hours and provide us with your travel details. Outside of business hours, please call 888-437-0103, available 24/7.

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 PIN (Personal Identification Number) is created at account opening or when a new card is set up. You can change your PIN in our Mobile App or within Online Banking. In the Mobile App, access your account and tap “Cards” and select “Set PIN”. Within Online Banking, log in to your account, click “Manage Cards” and select “Set PIN”.

To change your PIN, you can also call Card Services at 1-800-992-3808.

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 are issued a new debit card, you’ll need to update the expiration date and CVC wherever you have your debit card saved for payments, on file with online retailers, within your digital wallet, or for subscriptions.

You can review your monthly checking statement to identify your debit card payments. Or access Card Manager within the Mobile App or Online Banking to see where your card is used for recurring payments or where you have it saved as a Card on File.

Also remember to update your card information in your digital wallet on your smartphone, tablet or smartwatch, such as Apple Pay, Google Pay and Samsung Pay.

If you are activating a new North Shore Bank Platinum Debit Mastercard, pay your monthly cellular bill with your Platinum Debit Card, and you’re automatically covered for up to $600 ($1,000 annually), at no additional cost, if your phone is stolen or damaged (coverage applies to all phones on your monthly plan/bill).
 

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 debit card will automatically reissue during the expiry month and year on the card (MM/YY). You can expect to receive your new card within the first or second week of the month your current card is set to expire. You can continue using your current card until the first day of the following month.

When your new card arrives, activate it in our Mobile App or within Online Banking.

It’s always a good idea to make sure we have your current mailing address on file. Learn more about updating your contact information.

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.

Visit your local office or contact Customer Support at 877-672-2265. 

If your card is lost or stolen, you can lock your card using our Mobile App or Online Banking to prevent unauthorized transactions. However, you should still call 888-437-0103 as soon as possible. This number can be reached 24/7.

1. Log in to your account and select the Cards tab at the bottom of the screen.
2. Select your new debit card and click to add to Apple Pay or Google Pay.
3. You will need to enter an authentication code that will be sent to you by text or email.
4. Your card is now added to your digital wallet.
5. You can add a PIN for purchases within the Digital Wallet.
6. Your temporary card details, including the full card number, the temporary expiration date, and a temporary CVV can be viewed so you can use the card for one-time purchases until your physical card arrives in the mail. In the Mobile App, your card details are found under the Cards tab and then under Card details, select View Digital Card. You may be asked to confirm your identity.  

1. You will receive a text message from short code 66368. (This is from us and safe to open.)
2. Click on the link in the text. Note that this link is good for 21 days.
3. Authenticate yourself with the last four digits of your social security number and the one-time password sent to you by text or email.
4. Then agree to the Terms and Conditions.
5. Next you can select to add your card to your Apple Pay® or Google Pay™ wallet. You will need to sign in to your wallet on your device and accept the wallet terms and conditions.
6. You can create a PIN by scrolling down. You will get a confirmation after your PIN is successfully set.

You can activate your card within My Card Manager in the Mobile App or Online Banking. In the Mobile App, access your account and tap “Cards” to get started. Within Online Banking, log in to your account and then click “Manage Cards”.

Or you can activate your card by calling 1-800-992-3808. When prompted, enter the following information:

• Your new card number
• The 3-digit Card Verification Code (CVC) on the back of your new card
• The last 4 digits of your Social Security Number
• Your 5-digit zip code (the address where the card was mailed)

You can also follow the prompts to set up your PIN after your card activation is complete.

In the Mobile App, select Cards, then Controls & Alerts. Or in Online Banking, Select Manage Cards, then Controls & Alerts. Once in the Alerts tab, you can set alerts for all transactions, no transactions, or selected transactions.

Within Card Manager, you can also lock and unlock your card, set travel plans, report your card lost or stolen, and more.

Yes, please call North Shore Bank's Customer Support Team at 877-672-2265 before your international travel so we can ensure your card will be protected.
 
Please keep in mind you may be charged fees when using your debit card internationally.

1. Currency Conversion Assessment Fee which is 0.2% of your transaction amount and may be charged for performing the currency conversion.
2. ICBA or Issuer Cross-Border Assessment Fee which is 0.9% of your transaction amount.

 
You can set up your debit card for travel outside your normal footprint, including anywhere in the U.S. or internationally using any one of these methods:

• Using the Mobile App, select Cards, then Manage Travel Plans.
• In Online Banking, select Manage Cards, then Manage Travel Plans.
• Or within Online Banking (web-based) and select Settings, then Security Center, then Travel Notice. Simply provide the requested information.

 
Of course, you can also contact Customer Support at 877-672-2265 during business hours and provide us with your travel details. Outside of business hours, please call 888-437-0103, available 24/7.

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, there are two fees you may see on your checking account statement.

1. Currency Conversion Assessment Fee which is 0.2% of your transaction amount and may be charged for performing the currency conversion.
2. ICBA or Issuer Cross-Border Assessment Fee which is 0.9% of your transaction amount.

You can set up your debit card for travel outside your normal footprint, including anywhere in the U.S. or internationally using any one of these methods:

• Using the Mobile App, select Cards, then Manage Travel Plans.
• In Online Banking, select Manage Cards, then Manage Travel Plans.
• Or within Online Banking (web-based) and select Settings, then Security Center, then Travel Notice. Simply provide the requested information.

Of course, you can also contact Customer Support at 877-672-2265 during business hours and provide us with your travel details. Outside of business hours, please call 888-437-0103, available 24/7.

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 the Mobile App or Online Banking.

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 the Mobile App and Online Banking.

You can easily view your debit card rewards activity anytime by selecting “My Rewards” within our Mobile App or Online Banking.

In the Mobile App, tap “Cards” at the bottom of your screen, then “Rewards”. In Online Banking, select “Manage Cards” and then choose “Rewards”.

To register, visit My Card Manager in the Mobile App or Online Banking, and click the link to access the Rewards platform. View a video tutorial.

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.