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What is an Overdraft?

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.  We can cover your overdrafts in two different ways:
  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as a link to another account or a line of credit, which may be less costly than our standard overdraft practices.  To learn more, ask us about these plans.
This notice explains our standard overdraft practices.
 

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:
  • Checks and other transactions made using your checking account number
  • Automatic bill payments
We will not authorize and pay overdrafts for the following types of transactions without your consent.
  • ATM transactions
  • Everyday debit card transactions
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.
If we do not authorize and pay an overdraft, your transaction will be declined.
 

What fees will I be charged if North Shore Bank pays my overdraft?

Under our standard overdraft practices:
  • We will charge you a fee of up to $36 each time we pay an overdraft
  • We will not charge you a fee if your account is overdrawn by $1 or less on any given day. If the consumer account is overdrawn by $1.01 - $15.00, the Overdraft Fee is $15.00
  • If your account is overdrawn for 2 or more consecutive business days, we will charge an additional $5 for each of the consecutive business days the account remains overdrawn
  • There is a limit of $180 per day on the total fees we can charge you for overdrawing your account

What if I want North Shore Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, contact us at 877-672-2265, visit a branch or complete the Authorization Form. You can revoke your authorization for North Shore Bank to pay these overdrafts at any time by any of the above methods. Your revocation must include both your name and your account number so that we can properly identify your account.
All fields are required.


Frequently Asked Questions

With our 45 office locations we serve the following Wisconsin counties:

  • Brown
  • Calumet
  • Door
  • Kenosha
  • Kewaunee
  • Milwaukee
  • Oconto
  • Outagamie
  • Ozaukee
  • Racine
  • Washington
  • Waukesha
  • Winnebago


In Illinois, we serve McHenry County.


Yes, you can schedule an appointment at any of our offices or with any of our Mortgage Loan Officers through our online form.


North Shore Bank is a great place to work! To see current career and job openings, please visit careers.northshorebank.com. Thank you for your interest!


To locate a branch office with a video teller, please select Video Tellers from the Branch Locations page.

Corporate Office (Other locations):

North Shore Bank
15700 West Bluemound Road
Brookfield, WI 53005

800-236-4672 (8:30 to 5:00, CST, M-F)


We will periodically send out surveys requests to learn how we can improve our products and services. The following email addresses are used to distribute these surveys:

  • northshorebankcontact@northshorebank.com
  • northshorebank@surveyinforma.com
  • northshorebank@qemailserver.com
 

If you receive an email communication claiming to be from North Shore Bank asking for personal or financial information, but doesn’t use these addresses, don’t click any links and delete the message.

NEVER give out your PIN (personal identification number) number or one-time passcode. North Shore Bank representatives will never ask you for a PIN number or ask you to verify personal financial information in an e-mail message.

If you suspect that you may have received a phishing-scam message from someone claiming to be North Shore Bank, please call 877-672-2265 to inform us or request verification of the message.


Contact North Shore Bank's Customer Support Team by email or by phone (877-672-2265 - 8:00 am until 7:00 pm CST, Monday through Friday, 8:30 am until 3:00 pm CST, Saturdays, & 10:00 am until 1:00pm CST, Sundays). 


Yes, North Shore is a guarantor and a member of STAMP (Securities Transfer Agents Medallion Program). Please contact your local branch for more information. 


North Shore Bank’s routing/ABA number is 275071356. ABA numbers are also called Routing numbers.


North Shore Bank does not have a SWIFT code. We have a routing/ABA number, which is 275071356. All international wires must come via a United States bank.

If you are receiving funds from a foreign bank, the initiating bank should follow their process to send the funds to their US-based correspondent bank, for further routing to North Shore Bank, listing your name and account number as the final beneficiary.


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