Personal Checking Accounts

Designed to fit you & your lifestyle. Get Started Today

Discover which Personal Checking Account might be right for you by answering a few questions.

Let's start with your age.

13-23

24-59

60+

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

I prefer an account with no overdraft fees.

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:

My smartphone connects me to almost everything in my life

I don’t like paying ATM fees

I like being rewarded for my purchases

Personal Checking Accounts Designed with You in Mind

Account Benefits

Standard Debit Mastercard

Platinum Debit Mastercard

Monthly Maintenance Fee
Waived for the first 3 months

Requirements to Waive Monthly Maintenance Fee

eStatements Required

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

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

Choose between Standard or Platinum Debit Card

Free

$4/month

No maintenance fee

Yes, or $3 Monthly

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

Standard Debit Card

Ask your banker

Not Available

No maintenance fee
Available to students 13-23 years of age

1 Applies to North Shore Bank exclusive wallet or duplicate check styles.

All of our checking accounts come with these amazing benefits:

Manage your finances with Trends

Specialty Checking Accounts

Balance Checking

Build your budgeting skills without the worry of overdrafts.

Learn More Open Your Account

Student Checking

Help teach money management and financial independence.

Learn More Visit a Branch

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

Digital Wallets
A secure way to pay with your North Shore Bank Debit Card; just Tap & Go™

My Card Manager
Complete control of your North Shore Bank Debit Card through transaction alerts, spending trends, and more

Shop Local Debit Card Rewards
Get 5% cash back when you use your North Shore Bank Debit Mastercard® at participating local businesses.

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 Protection^Footnote 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 Wifi^Footnote 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 Reimbursement^Footnote 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

33,000 Free ATMs

Free access through the MoneyPass ATM network

Contactless Technology

Tap your card to make fast, secure purchases

Digital Wallets

A secure way to pay with your North Shore Bank Debit Card; just Tap & Go™

My Card Manager

Complete control of your North Shore Bank Debit Card through transaction alerts, spending trends, and more

Shop Local Debit Card Rewards

Get 5% cash back when you use your North Shore Bank Debit Mastercard® at participating local businesses.

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 Protection^Footnote 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 Wifi^Footnote 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 Reimbursement^Footnote 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 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

Digital Wallets
A secure way to pay with your North Shore Bank Debit Card; just Tap & Go™

My Card Manager
Complete control of your North Shore Bank Debit Card through transaction alerts, spending trends, and more

Shop Local Debit Card Rewards
Get 5% cash back when you use your North Shore Bank Debit Mastercard® at participating local businesses.

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

33,000 Free ATMs

Free access through the MoneyPass ATM network

Contactless Technology

Tap your card to make fast, secure purchases

Digital Wallets

A secure way to pay with your North Shore Bank Debit Card; just Tap & Go™

My Card Manager

Complete control of your North Shore Bank Debit Card through transaction alerts, spending trends, and more

Shop Local Debit Card Rewards

Get 5% cash back when you use your North Shore Bank Debit Mastercard® at participating local businesses.

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 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.

Getting Started is Easy

Personal Checking Accounts

Personal Checking Accounts Designed with You in Mind

Platinum Checking

Perks Checking

Free Checking

60+ Checking

Student Checking

All of our checking accounts come with these amazing benefits:

Specialty Checking Accounts

Balance Checking

Student Checking

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

Platinum

Zero Liability

Provides protection against unauthorized purchases

ID Theft Protection

Cell Phone ProtectionFootnote 1

Boingo WifiFootnote 2

Identity Fraud Expense ReimbursementFootnote 3

Extended Warranty Coverage

Satisfaction Guarantee

Standard

Digital Wallets

Zero Liability

Provides protection against unauthorized purchases

ID Theft Protection

Getting Started is Easy

Open Online in Minutes

Visit an Office

Schedule a Virtual, Phone, or In-Person Appointment

Frequently Asked Questions

How can I get a copy of a canceled check?

How do I open a checking savings account?

What is Extended Debit Card Coverage?

How much does it cost to reorder checks?

How can I view my previous check order(s)?

Will I be charged a fee for my checking or savings account?

How do I request a stop payment on a check and what does it cost?

What is the cell phone protection coverage?

What is the difference between Overdraft Protection and Overdraft Privilege?

I have a negative balance in my Checking Account. What should I do?

Is there a minimum balance required for a checking or savings account?

What types of checking and savings accounts can I open online?

What if I can’t upload my photo ID when opening a new checking or savings account online?

What is Overdraft Privilege?

How do I sign up for overdraft protection?

What if I don’t have all of my required information when I start a new checking or savings account application online?

I wrote a check and it cleared for a different amount than what I wrote it. Why?

What should I do about missing checkbooks?

Download a Direct Deposit Change Form today to get started!

Cell Phone Protection^Footnote 1

Boingo Wifi^Footnote 2

Identity Fraud Expense Reimbursement^Footnote 3