Personal checking accounts
for every you.

Get Started Today
 
Discover which Checking Account might be right for you by answering a few questions.

Let's start with your age.

Select which button applies

Let's start with your age.
13-23
24-59
60+

Great! Now, select all that applies to your current situation:

Great! Now, select all that applies to your current situation:
I use Direct Deposit
I maintain a daily checking balance of $2,000
I have an account with North Shore Investment Services
I prefer an account with no minimum balance requirements
I maintain a daily deposit balance of $5,000
I'm currently a student
I currently have a North Shore Bank Loan
I have $35k in relationship balances
I am a current or retired member of the Armed Forces

Lastly, select the statements that best describe you:

Lastly, select the statements that best describe you:
My smartphone connects me to almost everything in my life
I don’t like paying ATM fees
I like being rewarded for my purchases

Five Personal Checking Accounts Designed with You in Mind

 
 
Account Benefits
Standard Debit Mastercard
Platinum Debit Card Mastercard
Monthly Maintenance Fee
Waived for the first 3 months
Requirements to Waive Monthly Maintenance Fee
eStatements Required

Platinum Checking

Learn More Open
  • Platinum Debit Card
  • Bonus CD Rates
  • No-Fee Money Orders
  • Free Checks (1 box/year)1
  • Earns Interest
Not Available
Free
$20 or $0
Meet 1 of the following:
  • $35,000 combined relationship balance in deposits, mortgage, home equity and/or consumer loans
  • Investment account with North Shore Investment Services
No

Perks Checking

Learn More Open
  • Choose between Standard or Platinum Debit Card
  • Bonus CD Rates
  • 50% off Checks1
  • Earns Interest
Free
$4/month
$12 or $0
Meet 1 of the following:
  • Minimum daily checking balance of $2,000
  • $5,000 in relationship deposit balances
  • Any North Shore Bank loan
  • Current or retired member of the U.S. Armed Forces
Yes, or $3 Monthly

Free Checking

Learn More Open
  • Choose between Standard or Platinum Debit Card
Free
$4/month
$0
  • No maintenance fee
Yes, or $3 Monthly

60+ Checking

Learn More Open
  • Choose between Standard or Platinum Debit Card
  • Bonus CD Rates
  • 50% off Checks1
  • Earns Interest
Free
$4/month
$10 or $0
Primary account holder is 60 years or older and meets 1 of the following:
  • Direct Deposit
  • Minimum daily checking balance of $2,000
  • $5,000 in relationship deposit balances
  • Any North Shore Bank loan
No

Student Checking

Learn More
  • Standard Debit Card
Ask your banker
Not Available
$0
  • No maintenance fee
  • Available to students 13-23 years of age
No
1 Applies to North Shore Bank exclusive wallet or duplicate check styles.

All of our checking accounts come with these amazing benefits:

Complimentary Coin Counting
Access to 33,000 Free ATMs
Person-to-Person Payments
Free Online Bill Pay
Manage your finances with Trends
Overdraft Privilege
7-day a Week Video Tellers
Mobile Deposit

The customizations don't stop there. Select between a Standard and Platinum debit card.

 
33,000 Free ATMs
Free access through the MoneyPass ATM network
Contactless Technology
Tap your card to make fast, secure purchases
Zero Liability
Provides protection against unauthorized purchases
ID Theft Protection
Access to a number of Identity Theft resolution services, should you believe you are the victim of Identity Theft
Cell Phone ProtectionFootnote 1
As long as you pay your monthly cellular bill with your enrolled North Shore Bank debit card, you are automatically covered for up to $600 ($1,000 Annually) – at no additional cost – if your phone is stolen or damaged (including cracked screens)
Boingo WifiFootnote 2
Get unlimited Wi-Fi Access at over 1 million hotspots worldwide on up to four devices without incurring any roaming fees. Visit mastercard.boingo.com to register and activate your complimentary account
Identity Fraud Expense ReimbursementFootnote 3
We will reimburse you for losses you incur as a result of identity fraud. Coverage is secondary to any other applicable insurance or coverage available to you. Coverage is limited to only those amounts not covered by any other insurance or coverage benefit.
Extended Warranty Coverage
Duplicate and double the time period of the original manufacturer’s warranty.
Satisfaction Guarantee
Provides up to $250 if you become dissatisfied with a purchase within 60 days.
Mastercard Guide to Benefits
Monthly Fee
Available with these Accounts
Platinum Debit Card Platinum Debit Card
Available. 33,000 Free ATMs
Free access through the MoneyPass ATM network
Available. Contactless Technology
Tap your card to make fast, secure purchases
Available. Zero Liability
Provides protection against unauthorized purchases
Available. ID Theft Protection
Access to a number of Identity Theft resolution services, should you believe you are the victim of Identity Theft
Available. Cell Phone ProtectionFootnote 1
As long as you pay your monthly cellular bill with your enrolled North Shore Bank debit card, you are automatically covered for up to $600 ($1,000 Annually) – at no additional cost – if your phone is stolen or damaged (including cracked screens)
Available. Boingo WifiFootnote 2
Get unlimited Wi-Fi Access at over 1 million hotspots worldwide on up to four devices without incurring any roaming fees. Visit mastercard.boingo.com to register and activate your complimentary account
Available. Identity Fraud Expense ReimbursementFootnote 3
We will reimburse you for losses you incur as a result of identity fraud. Coverage is secondary to any other applicable insurance or coverage available to you. Coverage is limited to only those amounts not covered by any other insurance or coverage benefit.
Available. Extended Warranty Coverage
Duplicate and double the time period of the original manufacturer’s warranty.
Available. Satisfaction Guarantee
Provides up to $250 if you become dissatisfied with a purchase within 60 days.
Mastercard Guide to Benefits Mastercard Platinum Guide to Benefits
Monthly Fee $4 monthly fee (waived for Platinum Checking)
Available with These Accounts
 
33,000 Free ATMs
Free access through the MoneyPass ATM network
Contactless Technology
Tap your card to make fast, secure purchases
Zero Liability
Provides protection against unauthorized purchases
ID Theft Protection
Access to a number of Identity Theft resolution services, should you believe you are the victim of Identity Theft





Mastercard Guide to Benefits
Monthly Fee
Available with these Accounts
Standard Debit Card Standard Debit Card
Available. 33,000 Free ATMs
Free access through the MoneyPass ATM network
Available. Contactless Technology
Tap your card to make fast, secure purchases
Available. Zero Liability
Provides protection against unauthorized purchases
Available. ID Theft Protection
Access to a number of Identity Theft resolution services, should you believe you are the victim of Identity Theft
 
 
 
 
 
Mastercard Guide to Benefits Mastercard Standard Guide to Benefits
Monthly Fee No monthly fee
Available with These Accounts

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 Platinum Guide to Benefits for more details.
2 Terms and conditions apply. Boingo services provided by Boingo Wireless, Inc. See Mastercard Platinum Guide to Benefits for more details. Boingo is a registered trademark of Boingo Wireless, Inc.
3 Benefit provided by Generali Global Assistance Inc. Certain terms, conditions, and exclusions apply. See Mastercard Platinum Guide to Benefits for more details.
©2022 Mastercard. Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.

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Frequently Asked Questions