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Frequently Asked Questions

Why are my debit card transactions being denied so often?

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.

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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

Why are my debit card transactions being denied so often?

FAQs

How do I make purchases with my contactless debit card? How close does my card need to be?

Can I use my contactless debit card on payment readers that don't display the contactless symbol?

Can I receive cash back with my debit card?

How do I activate my debit card?

What countries do not accept debit cards?

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

What is Shop Local?

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

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

Can I add my debit card to my digital wallet?

How does contactless technology work?

Do I still need to sign the back of my contactless debit card?

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?

Does the temporary digital card need to be activated?

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?

What are your debit card rules?

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

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 do you determine exchange rates for foreign transactions?

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?