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Frequently Asked Questions

How does my debit card work?

You can use your debit card just like an ATM card at an ATM, which means you will need to enter a PIN (Personal Identification Number).

You can also use your debit card at stores the same way you use a credit card. The difference is when you use a credit card, you're borrowing money and potentially incurring a finance charge. When you use your North Shore Bank debit card, you're using money already in your checking account. It’s like writing a check, but without the paper. You can even use your debit card to order items over the phone and online. To keep an accurate record of your account balance, record your debit card transactions in your checkbook immediately.

For security purposes, never give your PIN to anyone.

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FAQs

Classic/Standard Debit Cards

For your protection, there is a daily spending limit of $2,000 as long as the money is available in your account. ATM machine withdrawals have a daily limit of $500, which is subject to change based on individual ATM machines. This limit also includes an additional $15.00 to cover any ATM fees assessed for a total spending limit of $2,515.00.

If you are going to make a purchase over the $2,000 daily limit, call the number on the back of the card or North Shore Bank Customer Support, to request a limit increase.

Platinum/Enhanced Debit Cards

For your protection, there is a daily spending limit of $5,000 as long as the money is available in your account. ATM machine withdrawals have a daily limit of $500, which is subject to change based on individual ATM machines. This limit also includes an additional $15.00 to cover any ATM fees assessed for a total spending limit of $5,515.00.

If you are going to make a purchase over the $5,000 daily limit, call the number on the back of the card or North Shore Bank Customer Support, to request a limit increase.

Business Debit Cards

If you are going to make a purchase over the $5,000 daily limit, call the number on the back of the card or North Shore Bank Customer Support, to request a limit increase.

HSA Debit Cards

If you are going to make a purchase over the $2,000 daily limit, call the number on the back of the card or North Shore Bank Customer Support, to request a limit increase.

MoneyPass ATM network

How does my debit card work?

FAQs

How do I activate my debit card?

What countries do not accept debit cards?

Does the temporary digital card need to be activated?

What happens if the ATM doesn't dispense my money and the funds have been deducted from my account?

Why do I have to wait to dispute a pending/in process debit card transaction?

What is a temporary digital debit card?

How does the temporary digital debit card work?

How do I add my temporary digital debit card to my digital wallet?

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?

How and where can the temporary digital debit card be used?

Does the physical card need to be added to my mobile wallet if the temporary digital debit card was already added?

How long can I use the temporary digital debit card?

Can I place a stop payment on a debit card transaction?

How long does it take for a pending/in process debit card transaction to clear my account?

Can I dispute a pending debit card transaction?

How long do I have to notify the bank of an unauthorized charge on my debit card?

What are your debit card rules?

Are my Digital Wallet purchases included in the Shop Local program?

Is there a fee to participate in North Shore Bank’s Shop Local program?

What is Shop Local?

Do you offer debit card rewards?

Where can I earn the 5% cash back with Shop Local?

What should I do if my debit card becomes lost or stolen?

How do I order a new debit card?

What happens to recurring payments when I get a new debit card?

Can I use my debit card while traveling internationally?

How do I set up alerts for my debit card?

Do I need to contact North Shore Bank when I am traveling and want to use my Debit Card?

Are there fees when using my debit card internationally?

My debit card is expiring. When will I receive my new debit card?

How do I change my personal identification number (PIN) for my debit card?

How do I change my PIN for my debit card?

What is my PIN for my debit card?

Do you have a rewards program?

Are there spending limits on my debit card?

How does my debit card work?

How do you determine exchange rates for foreign transactions?

How much does it cost to replace my debit card?

My debit card is not working; help!

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 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?

Who do I call if my debit card is restricted?

Why are my debit card transactions being denied so often?