CONTENTSTART Elite Savings Access to your funds while earning a high interest rate? A win-win for you. Open Your Account Schedule an Appointment Our Elite Savings Account gives you a competitive interest rate, allowing those who maintain a higher balance to grow their savings quickly. Account Features No minimum to open Earns higher interest rate than High-Yield Savings Requires a higher minimum balance than High-Yield Savings to waive monthly maintenance fee Online and Mobile Banking Account eAlerts FDIC insurance protection Rates & Fees Monthly fee of $20.00 can be waived with a minimum daily balance of $10,000 Current Savings Account Interest Rates Frequently Asked Questions I tried paying with my contactless debit card, and it didn’t work. To enable contactless on a new or replacement North Shore Bank contactless debit card, you must make a purchase by inserting your card at a chip-enabled terminal. Inserting your card into the terminal will activate the contactless technology. The next time you make a purchase with your debit card, you will be able to use contactless. How close does my contactless debit card need to be to the checkout reader? Typically, when you tap your card or mobile device at checkout, it must be within 1-2 inches of the contactless symbol on the terminal. Can I use my contactless debit card on payment readers that don't display the contactless symbol? Yes, you can still make purchases by swiping or inserting your contactless debit card at checkout. We’ve simply added contactless technology as a new and easier way to pay at those merchants who are setup for accepting contactless technology. How do I pay with contactless? To make a purchase, simply hold your contactless card or mobile device within 1 or 2 inches of the contactless symbol on the terminal. Can I receive cash back with my contactless debit card? Yes. You can get cash back with your contactless debit card. However, some merchants require customers requesting cash back to insert their contactless card, even when the payment terminal accepts contactless cards. How do I enroll in and use Bill Discovery? Bill Discovery will automatically connect you with your eligible bills by searching the biller database and if you consent, your credit bureau data. Once the bills are located, you can add them to your list of bills in one click. Bill Discovery greatly reduces the time it takes to set up Bill Pay and reduces the chance of manual input errors. Bill Discovery will continually search for new bills and alert you if new bills have been found. Bill Discovery is available in both Online and Mobile Banking. The following are screenshots of how you can set up and use this feature. You first must consent to have your bills be found through the biller database and your credit bureau data. If you wish to have your credit data used, it is a soft inquiry and your credit score will not be impacted. Once you provide consent and click Find My Bills, you will be presented with a page of potential payees. If biller(s) require additional verification upon selecting the biller, you will be provided with the additional verification fields. If the biller does not require any verification then you can add those directly by clicking the Add button. If you are not yet using Bill Discovery, you may see the following banner ad to begin using the feature. After initial entry into Bill Discovery, new billers found among billers from the biller network or in your credit report will appear in the top, right area of your window. When clicking “Get My Bills”, you will be walked through the process of adding your bills in the same manner as the initial setup. How do I sign up to receive eStatements? Enrolling in eStatements – Online Banking (Web-based) After logging into Online Banking select either a checking, savings, loan, or health reimbursement account. Locate and select the Statements link (to the right of your green account balance tile). This will launch a new eStatements window, and your settings can be accessed there, from the Account Access link. Next, you will be asked to read and agree to terms and conditions and be asked to view a PDF to check the capability of your computer. After reviewing the Term and Conditions and viewing the PDF you will be asked to enter a code that was viewed on the PDF and enter that into the space provided as well as check a box to accept the Term and Conditions. You will be given the option to select which accounts you would like to receive eStatements. Enrolling in eStatements – Mobile App After logging in to the Mobile App, navigate to the More menu, then select Statements & Documents Next, you will be asked to read and agree to terms and conditions and be asked to view a PDF to check the capability of your device. After reviewing the Term and Conditions and viewing the PDF you will be asked to enter a code that was viewed on the PDF and enter that into the space provided as well as check a box to accept the Term and Conditions. You will be given the option to select which accounts you would like to receive eStatements. You are now enrolled in eStatements. eStatement features include: Convenient access up to 18 months worth of statements Email notifications that let you know when your statement is ready Downloadable copies of your statement, to save on your computer or print, if needed No more shredding of paper statements Online statements to help protect you from identity theft Take a tour of our online services. Where can I get information about career opportunities? 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! How do I apply to refinance my auto loan? Apply for an auto loan online now – it is easy. A Personal Banker will contact you after you complete your application. Get the vehicle you really want. Our auto loans come with the best terms—yours. What’s in it for you: Loans and terms designed especially for you No annual fees No application fees Terms from 12 months to 60 months. Additional details. Fast and easy online application process with quick response Apply For Your Loan Additional benefits: Make your monthly payments a snap with optional automatic withdrawal from your North Shore Bank checking account Lease options available (contact us to learn more) Online Bankingpayments Can I get my Loan Statement online? Enrolling in eStatements - Online Banking (web-based) After logging into Online Banking select your loan account. Locate and click on the Online Statements link (to the right of your green account balance tile). This will launch a new eStatements window, and your settings can be accessed there, from the Account Access link. You will be given the option to select which accounts you would like to receive eStatements. Next, you will be asked to read and agree to terms and conditions and be asked to view a PDF to check the capability of your computer. After reviewing the Term and Conditions and viewing the PDF you will be asked to enter a code that was viewed on the PDF and enter that into the space provided as well as check a box to accept the Term and Conditions. Enrolling in eStatements – Mobile App After logging into the Mobile App, navigate to the More menu, then select Statements & documents You will be given the option to select which accounts you would like to receive eStatements. Next, you will be asked to read and agree to terms and conditions and be asked to view a PDF to check the capability of your device. After reviewing the Term and Conditions and viewing the PDF you will be asked to enter a code that was viewed on the PDF and enter that into the space provided as well as check a box to accept the Term and Conditions. You are now enrolled in eStatements. How can I make a loan payment? Loan payments can be made online, at a Video Teller or branch office, or by phone. Online Payments Visit our Pay Your Loan service and follow the on-screen instructions. If you choose to set up a username and password, you will be able to access special features, such as the ability to set up recurring payments. Customers who have a North Shore Bank checking, savings or money market account can utilize Online Banking or the Mobile App to make a loan payment via account transfer. Mailing Your Payment When mailing your payment to the address below, please include your loan account number: North Shore Bank PO Box 8871 Carol Stream, IL 60197-8871 In-person/Over the Phone Payments can be made at any of our offices or Video Tellers or on-demand by calling 877-672-2265. Payments made after 4:30pm CST Monday through Thursday will post the following business day Payments made after 4:30pm CST on Friday will post on Monday One time on-demand verbal loan/lease payment fee $10.00 On-demand, pre-authorized loan/lease payment fee $5.00 Who can I send money to with Zelle®? You can send money to friends, family and others you trust1. Since money is sent directly from your bank account to another person's bank account within minutes2, it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number. 1 Must have a bank account in the U.S. to use Zelle. 2 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Do I have a grace period on my loan or do I need to pay on my due date? Mortgage loans and Home Equity Lines of Credit (HELOC) have a 15-day grace period. Consumer loans (RV, Boat or Auto) have a 10-day grace period. Why does my loan statement say I don't owe a payment until later in the future? Home Equity Line of Credit (HELOC) The monthly payment due is interest only. RV, Boat, Camper or Auto Loan Your billing statement amount due may be less than your contractual amount because of past additional payments you have made. Your loan allows you the ability to pay your account ahead without a penalty. For more details on how your payment is applied please contact Customer Support at 877-672-2265. Mortgage Loan Please contact Customer Support at 877-672-2265. Why does my loan statement have a different amount due rather than the normal payment amount? Home Equity Line of Credit (HELOC) The monthly payment due is interest only. RV, Boat, Camper or Auto Loan Your billing statement amount due may be less than your contractual amount because of past additional payments you have made. Your loan allows you the ability to pay your account ahead without a penalty. For more details on how your payment is applied please contact Customer Support at 877-672-2265. Mortgage Loan Please contact Customer Support at 877-672-2265. Can you send a 10-day loan payoff quote to my bank or credit union? Mortgage and Home Equity Line of Credit (HELOC) Please send a written payoff request and a signed authorization. These requests can be faxed to: 262-797-3832. Mortgage and HELOC payoffs are generally quoted for a specific date. Consumer Loan (RV, Boat & Auto) You may call Customer Support at 877-672-2265, and verbally authorize a payoff statement be sent to your financial institution. If the financial institution or insurance company is making the request, they must send a written payoff request with a signed customer authorization. These requests may be faxed to 262-797-3832. Quotes for consumer loan payoffs are good for 10 days. If you have additional questions, please contact Customer Support at 877-672-2265. How does Mobile Deposit work? You can use the North Shore Bank Mobile App to transmit an electronic image of the check, thereby depositing the funds into your checking account. We'll store the check images online for secure, accurate, and efficient record keeping. To use Mobile Deposit, take a picture of the front and back of your endorsed check. Be sure to include "Mobile Deposit" with your endorsement. View a quick demo. You may submit your mobile deposits at any time and may include one check in a single deposit. Currently, you can submit as many personal or business deposits as you need to each business day, up to $2,500 per user.* Limits on Saturday and Sunday are $2,500 for both days. If your deposit needs exceed this limit, please contact us. *We do reserve the right to impose limits on the amount and number of transactions and to modify limits from time to time. Please refer to the Terms and Conditions for additional details. Message and data rates may apply when using the Mobile App. How do I reorder checks? How much do checks cost? Reordering checks online is fast and convenient. Plus you'll get instant confirmation of your order, and you can check your order's status online anytime. There are several ways you can reorder checks: Log in to Online Banking (web-based); select the Reorder Checks link Mail or bring your check order form to your nearest North Shore Bank office Order directly through the Deluxe check reordering system. To log in, enter North Shore Bank's routing number (275071356), your checking account number, and your zip code. Your cost for checks will vary depending on the style, type, and quantity you order. You can view pricing after logging directly in to the Deluxe check reordering system. How can I view my previous check order(s)? You can view your recent check orders through the Deluxe check reordering system. To log in, enter North Shore Bank's routing number (275071356), your checking account number, and your zip code. Once you've logged in, select "My Orders" from the upper-right of your screen and your last five years of order history will be displayed. Why is my mobile device no longer compatible with the Mobile App? As operating systems for mobile devices evolve, it becomes necessary to discontinue support for older versions. For a full list of compatible devices and operating systems, please see below. Apple iPhone and iPad - View iOS version compatibility. A variety of Android-powered smartphones and tablets - View Android version compatibility. Message and data rates may apply when using the Mobile App. When will my Mobile Deposit funds be available? You can generally access your funds by the next business day after the day you made your deposit. However, we may delay your access based on other factors we determine at our discretion. Message and data rates may apply when using the Mobile App. When will my Mobile Deposit be processed? Deposits submitted before 5pm CST on a business day will be processed that day. Deposits submitted after 5pm CST on a business or non-business day will be processed the next business day. All check images processed for deposit thru Mobile Deposit are subject to our verification and final inspection. Message and data rates may apply when using the Mobile App. What kind of checks can I process using Mobile Deposit? Mobile Deposit can process checks payable to you, in U.S. dollars from Personal, Business or U.S. Treasury checks. Message and data rates may apply when using the Mobile App. How do I get the best image of the check using Mobile Deposit? Flatten the check and place it on a dark, non-reflective surface. Make sure there is enough light to distinguish the check from the background. Line up the check with the horizontal and vertical guides provided. The camera will automatically take the picture. The image will be displayed for you to review. If it is not readable, click "Retake" to retake the picture of the check. If you can read the details on the check, click "Use Photo" to keep the image. If our system can't correctly interpret the writing on your check, you can always deposit your check at any branch or ATM. Make sure you have endorsed the back of the check and include the statement "For Mobile Deposit" with your signature. Message and data rates may apply when using the Mobile App. How do I add the Mobile App to my new phone? You can manage your Mobile App devices within Online Banking (web-based). Please remember to remove access to your old devices as well. Message and data rates may apply when using the Mobile App. How long will it take for funds transferred via Online Banking or the Mobile App to be made available? Internal transfers are moved immediately if the transfer is made during normal processing hours. Otherwise the funds should appear in your account in 1 business day. Message and data rates may apply when using the Mobile App. How do I sign up for Bill Pay? Log in to Online Banking or the Mobile App and select the Pay Bills or Payments option to get started. Making bill payment fast, free, and (almost) fun! Our free personal online bill pay service is available for all North Shore Bank checking customers who use Online Banking or the Mobile App that want to save the time, hassle and postage costs of paying bills by mail. What's in it for you: Free personal online bill payment service Eliminates all or most check writing and saves you money on postage Pay anyone or any company, from the kid that mows your lawn to the utility company Eliminate more paper mail with eBills and eStatements You must have a North Shore Bank checking account and Online Banking or the Mobile App Take a tour of Bill Pay's benefits To sign up for Bill Pay, simply log in to Online Banking or the Mobile App to get started. Message and data rates may apply when using the Mobile App. How do I transfer money into a different account? To transfer money from one North Shore Bank account into another, log in to Online Banking and click on Transfers, or in the Mobile App, click on Transfer & Pay. Select Make An Internal Transfer and complete the information. For transfers that you want repeated, click on Make Recurring. Note: You may transfer money from one North Shore Bank account into another, but not to accounts outside of North Shore Bank. Message and data rates may apply when using the Mobile App. How can I get a copy of a canceled check? Images of canceled checks can be viewed, printed or saved at no charge through Online Banking or the Mobile App. Our Customer Support Team can also provide copies by mail, or you can visit your nearby branch to obtain a copy (fees may apply). Message and data rates may apply when using the Mobile App. How do I access more transaction history in Online Banking or the Mobile App? Online Banking (web-based) Log in to Online Banking, then select an account. Under Transaction Details, you can filter by Type, Date or Show Advanced for specific dates. Complete the filter criteria, and select Search. You can access 24 months of activity through Online Banking. Mobile App Log in to the Mobile App, then select an account. Transactions will automatically appear. You can access 90 days of activity through the Mobile App. Message and data rates may apply when using the Mobile App. Is Mobile Deposit secure? Mobile Deposit is protected by several layers of security. We use 128-bit SSL encryption technology to protect your financial activities while using the Mobile App. Message and data rates may apply when using the Mobile App. How long should I keep the original checks that I deposit with the Mobile App? We suggest you keep your check for 60 days in a secure location. Message and data rates may apply when using the Mobile App. Why do I need to enter my Online Banking/Mobile App password before making a transaction within the Mobile App? You are being prompted to enter your password prior to performing a transaction within the Mobile App as an added security step. This is in place for customers that log into their accounts using Touch ID (Apple iPhone) and is only required once per user session. Message and data rates may apply when using the Mobile App. Which accounts can be viewed with Online Banking or the Mobile App? All personal active accounts are eligible for Online Banking or the Mobile App including; savings, checking, CD's, and loans. Learn more about Online Banking or the Mobile App. Message and data rates may apply when using the Mobile App. What versions of Android are compatible with the Mobile App? What are the hardware & software requirements for the Mobile App? Where should I send proof of insurance related to my loan? North Shore Bank requires proof of insurance on loan collateral. To ensure we have all the information we need, please provide us with a copy of your insurance declaration page showing North Shore Bank as the mortgagee or loss payee. Please verify the mortgagee clause is listed as follows: North Shore Bank ISAOA 15700 W Bluemound Rd. Brookfield, WI 53005 You can mail, fax or email your proof of insurance documents. RV, Boat or Auto Loan North Shore Bank PO Box 390472 Minneapolis, MN 55439 Fax: 800-333-9960 Online: www.insuranceservicecenter.com Mortgage Loan North Shore Bank Attn: Loan Servicing Dept 15700 W Bluemound Rd Brookfield, WI 53005 Fax: 262-787-6897 Email: loaninsurance@northshorebank.com Home Equity Line of Credit (HELOC) North Shore Bank Attn: Loan Servicing Dept 15700 W Bluemound Rd Brookfield, WI 53005 Fax: 262-787-6897 Email: loaninsurance@northshorebank.com I have a negative balance in my Checking Account. What should I do? The negative balance should be paid within 25 days. For assistance, you can contact Customer Support by email or by phone (877-672-2265 - 8 am - 7 pm CST, Monday - Friday, 8:30 am - 3 pm CST, Saturdays, & 10 am - 1 pm CST, Sundays). Can I change the due date on my loan? RV, Boat, Camper or Auto Loan You can change your due date after you have satisfied the first payment of your loan contract. Please contact Customer Support at 877-672-2265 to get started. Mortgage Loan The option to change your due date is not available. Home Equity Line of Credit (HELOC) The option to change your due date is not available. What is the interest rate on my loan? You can find your interest rate on your monthly loan statement or in Online Banking or the Mobile App. Can I make a principal only payment online? Yes, you can make a principal-only payment using Online Banking or the Mobile App. Your loan must be current and the interest due satisfied. How soon should I expect to receive my paid loan papers and lien release after I pay off my consumer loan with the bank? You can expect to receive these documents in the mail within about 30 days after paying off your loan. If your loan is secured with real estate, a mortgage satisfaction document will be mailed directly to the Register of Deeds for the county in which the mortgage was filed. It may take up to three months for this document to be returned. If your loan is secured by a vehicle, boat, or other titled collateral, a lien release will be mailed with your paid loan documents. Be sure not to discard or destroy this release, as you will need it to remove our lien. Should you need a replacement lien release, a fee will be charged. For more information about lien releases, please contact Customer Support at 877-672-2265. Can I get a 1098 tax form for the interest paid on my loan? Home Equity Line of Credit (HELOC) 1098's for the previous year are sent out in January. For a duplicate 1098, contact Customer Support at 877-672-2265. Mortgage Loan Please contact Customer Support at 877-672-2265. RV, Boat or Auto Loan Loans that are not collateralized by real estate do not automatically receive a 1098. If you would like us to prepare a statement, please contact Customer Support at 877-672-2265. How are my property taxes paid? In most cases real estate taxes are added into the monthly payment and held in escrow, then in late December you are mailed a check to pay your taxes. Do I need to send you a copy of my property tax bill for my mortgage? If your mortgage loan is set up with an escrow account, North Shore Bank will obtain the property tax bill from the government. If your loan is approved with you paying the taxes yourself, you will need to provide a copy of the paid tax bill annually to us. I want to payoff my loan. Where do I send the loan payoff funds? Please send loan payoff funds to: Mortgage Loan North Shore Bank Attn: Loan Payoff Dept 15700 W Bluemound Rd Brookfield, WI 53005 Home Equity Line of Credit (HELOC) North Shore Bank Attn: Deposit Services 15700 W Bluemound Rd Brookfield, WI 53005 RV, Boat or Auto Loan North Shore Bank Attn: Deposit Services 15700 W Bluemound Rd Brookfield, WI 53005 What is my loan payoff amount? For Mortgage, Home Equity Line of Credit (HELOC), RV, Boat or Auto loan payoff information, please contact Customer Support at 877-672-2265. What countries do not accept debit cards? View a list of countries that currently do not accept debit cards. Do I need to contact North Shore Bank when I am traveling and want to use my Debit Card? Before traveling outside of your normal footprint, please log in to Online Banking (web-based). From the Settings menu, click on Security and Alerts, then select Travel Notice and provide the requested information. Alternatively, you may also call our Customer Support Team at 877-672-2265 to report your upcoming travel plans. How do I set up alerts for my debit card? From the Debit Card eAlerts Registration page, click the Register/Manage button. Each time you wish to manage/create eAlerts, you will need to enter your debit card number, accept the terms and conditions and answer a few questions about your debit card. From there, you can create new eAlerts, manage existing eAlerts as well as lock and unlock your card. What benefits are included with the Platinum Debit Card? Is there a minimum balance required for a checking or savings account? The minimum balance required for a checking or savings account will vary depending on the type of account you have or would like to open. View our selection of personal checking accounts and savings accounts to learn more. Will I be charged a fee for my checking or savings account? As long as you meet the monthly requirements for the account, you will not be charged a monthly maintenance fee. Please reference the Services & Fees Schedule for Personal Accounts for information on monthly maintenance fees. How do I open a savings or checking account? Current customers can open a new savings or checking account within Online Banking (web-based). To start the process, log in to Online Banking, and click on Online Account Opening from the Services box. New customers can open a new savings or checking account online in just a few minutes. Get started now. For those who prefer the human touch, drop by any branch or go online to schedule an appointment. What are your overdraft fees? To help prevent overdrafts from occurring, we offer Overdraft Protection, which will automatically transfer funds from another North Shore Bank account that you own to cover the balance. Learn more about this service or visit your neighborhood North Shore Bank branch to sign up today. Overdraft and other account-related fees can be found on our Services and Fee Schedule for Personal Accounts. How do you process my transactions? What is "order of processing"? North Shore Bank processes transactions Monday-Friday, excluding holidays in the following order: If the account is set up for mobile deposit or remote deposit capture credits, deposits received prior to previous business day's cut off times are posted to the account. Next, we post your ACH debit and credit transactions throughout the day based on the date and time the bank receives them. Next, for teller transactions, PIN debit card purchases, ATM deposit and withdrawals, internet or phone transfers, both debits and credits post to the account based on the date and time the customer performs them. Next, signature debit card transactions post at the date and time the bank receives them. Checks are processed in sequential order. Last, monthly interest credit and any monthly service charge fees post to the account. The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees. What operating systems and browsers are supported for use with Online Banking? Online Banking fully supports the following browsers: Google Chrome, Firefox, Microsoft Edge and Internet Explorer. Please note that some areas of Online Banking are not currently supported in Safari. View a list of operating systems and web browsers that are supported with Online Banking. How do I re-establish Online Banking after my computer was hacked or compromised? The first step is to have your computer cleaned by a professional. Once that has been completed, please contact our Customer Support Team at 877-672-2265 for further assistance. Can I cancel a Zelle®payment? You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select Cancel This Payment. Fees may apply. Refer to our Services and Fee Schedule for Personal Accounts for details. If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number when sending money. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Can I cancel or change a scheduled Bill Pay payment? Yes, you can change a scheduled payment at any time before it is processed. The system displays an error message if you attempt to modify a payment after it has been processed. How do I sign up for online Bill Pay? Log in to Online Banking or the Mobile App, and select Pay Bills or Payments to get started. Making bill payment fast, free, and (almost) fun! Our free personal online bill pay service is available for all North Shore Bank checking customers who use Online Banking or the Mobile App that want to save the time, hassle and postage costs of paying bills by mail. What's in it for you: Free personal online bill payment service Eliminates all or most check writing and saves you money on postage Pay anyone or any company, from the kid that mows your lawn to the utility company Eliminate more paper mail with eBills and eStatements You must have a North Shore Bank checking account and Online Banking or the Mobile App Take a tour of Bill Pay's benefits Save time adding your billers using Bill Discovery. How do I change my name, address, or any other contact information? There are two ways to change your address information on file with North Shore Bank. Log in to Online Banking (web-based), go to Settings > Profile In Person – You can always stop by a nearby office and meet with us personally. Bring along a photo ID, such as a Driver's License, for identification. How do I know if my card has contactless technology? Simply look for the contactless indicator on the front of your card: What do I do if I lost my debit or credit card? If you have lost your credit card, please call 866-552-8855 (Elan Financial Services) as soon as possible. If you have lost your debit card, please contact 888-437-0103 as soon as possible. Additionally, our Debit Card eAlerts service helps you monitor and stay informed about transaction activity on your card. You can also temporarily lock your debit card to prevent unauthorized use. Learn more and sign up for Debit eAlerts today. Both of these numbers can be reached 24/7. How do I register my business credit card for Visa Business Reporting? Visa Business Reporting makes it easier to manage your expenses. It lets you access your Visa credit card transactions via desktop browser or mobile app so you can track spending and stay on budget — at work or on the go. Free up more time to run your business. Key benefits Access Visa Business Reporting via desktop or mobile app from your iOS or Android device Add notes to each transaction or attach documents like photos of your receipts Get transaction notifications with the mobile app so you can add notes or receipts after you make a purchase Customize transaction categories to track spending with ease Split transactions into multiple categories by dollar amount or percentage Run reports on demand or on a schedule to track and compare spending Card management Time controls - Block days of the week or times of day Category controls - Block specific spending categories Location controls - Block transactions outside the U.S. or in specific states Spending controls - Block transactions exceeding an established max, or internet and phone transactions For more information, visit https://usa.visa.com/run-your-business/small-business-tools/cards/visa-business-reporting.html Sign up today! Registration is required to access these services. To get started, go to: https://register.businesssolutions.visa.com/cardmemberservice/vbr How can I make a credit card payment? Credit card payments can be made online or by mail. Mailed payments can be sent to: Cardmember Service P.O. Box 790408 St. Louis, MO 63179-0408 How can I apply for a credit card online? Are you looking for a rewards card that earns automatic bonus points on every purchase, every month? Or maybe you prefer a card to pay down your balances on other credit cards faster or to save on interest. Whatever your needs, we have a credit card that’s right for you! Personal Credit Cards Business Credit Cards Do I need to request a contactless debit card or will North Shore Bank send one to me? New personal or business debit card customers and current customers who are reissued a card will receive a card with the contactless technology. You can request a contactless card by stopping by your local branch office. Can I get a debit card without contactless technology? We no longer offer debit cards without contactless technology. You can continue to insert your card in chip-enabled terminals or swipe your card. Can I add my contactless debit card to my digital wallet? Yes, you can add your contactless debit card to your digital wallet. When I try uploading my photo ID within the checking and savings online account application, it does not populate any or all of my information. What should I do? When taking a picture of your photo ID, keep these tips in mind: make sure the ID fills the complete frame size on your screen make sure your ID is on a dark surface make sure you have ample light You can also manually enter any information that does not automatically upload from your photo ID. When I try to resume my checking or savings account online application, it is not loading right away. What should I do? When restoring a saved application, it may take a few minutes to retrieve your information. What types of checking and savings accounts can I open online? You can open both personal checking and personal savings accounts through our online account opening process. If you’d like to open a business account, please contact a North Shore Bank Business Banker. What if I don’t have all of my required information when I start a new checking or savings account application online? Not to worry! You have up to 10 days to complete your application after it’s been started and you can save your progress and resume later. Also, you can begin your application on your smartphone and continue it on your desktop or laptop, or vice versa. To save your application progress, enter your email address to receive a link to resume your application later. What if I can’t upload my photo ID when opening a new checking or savings account online? If you don’t have your ID on-hand, or are having trouble uploading your photo ID, you can enter in your personal information manually. What happens to the images that I upload when opening my checking/savings account online? Your personal photos are securely retained throughout the application process and they are retained with your online application. I am trying to save my checking or savings online account application but my email address is being declined, what should I do? While you can open multiple checking or savings accounts using the same email address, you cannot have more than one unfinished or “in-progress” account application using the same email address. Do I need to supply a “selfie” when opening a new checking or savings account online? While we don’t require a photo of you, it's recommended that you provide a photo of yourself for security reasons and to assist in making the application process more efficient. Where can I find current/open job opportunities with North Shore Bank? 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! I wrote a check and it cleared for a different amount than what I wrote it. Why? Your check may clear for a different amount if the written amount was different than the written numerical amount. Due to security reasons, we are unable to provide all the specifics, please contact our Customer Support Team at 877-672-2265 or come into your local office. What is my PIN for my debit card? Your PIN (Personal Identification Number) is created at account opening or when a new card is set-up. To change your PIN, please call Card Services at 877-315-3483 from the phone number we have on our system, most likely your home or mobile phone. What should I do about missing checkbooks? Please report missing checks immediately. We will place a lock on your account and help you set up a new account. Please contact our Customer Support Team at 877-672-2265 or come into your local office. How do I sign up for account Alerts in Online Banking? Stay up-to-date with your account with North Shore Bank eAlerts. You can set up email or text notifications for your checking and savings account balances, plus find out when a check has cleared. To sign up, log in to Online Banking (web-based), select Settings and choose Security and Alerts to get started. Learn more about Online Banking. When will my online fund transfers be processed? Online transfers made using Online Banking or the Mobile App are processed during the following days/times. Monday through Friday: 7:00am to 10:00pm CST Saturday: 7:00am to 8:00pm CST No processing on Sundays, holidays, and during weekly scheduled Maintenance (Wednesday evenings starting at 11:00pm until 3:00am CST Thursday) Completed transfers subject to account requirements (balance, minimum withdrawal requirement, etc). Why am I getting locked out of Online Banking? After three incorrect login attempts you will be locked out of Online Banking. Please use the forgotten password feature if you need assistance with your password. This feature is in place for security purposes, as your security is our number one priority. How can I make a loan payment to another financial institution using Online Banking or the Mobile App? You can make a loan payment to a different financial institution by using Bill Pay within Online Banking or the Mobile App. Do you offer automated account alerts? Stay up-to-date with your account with North Shore Bank eAlerts. You can set up email notifications for your checking and savings account balances, plus find out when a check has cleared. To sign up, log in to Online Banking (web-based) Alerts, select Settings and choose Security and Alerts to get started. Can I view my checks online? Within Online Banking or the Mobile App, you can view images of your cleared checks. Simply click the check icon in the transactions listing to view the front and back of your cleared checks. You can also filter your transactions to only display those which contain checks, allowing you to get to the right information quickly. * It may take 3 or 4 days after the check has cleared to be able to view its image online. Can I use any computer to access Online Banking? View a list of web browsers that are supported with Online Banking. Can I set up my Online Banking to automatically deduct my loan payment? You can set up bills to be automatically paid using Bill Pay. Making bill payment fast, free, and (almost) fun! Our free personal online bill pay service is available for all North Shore Bank checking customers who use Online Banking or the Mobile App that want to save the time, hassle and postage costs of paying bills by mail. What's in it for you: Free personal online bill payment service Eliminates all or most check writing and saves you money on postage Pay anyone or any company, from the kid that mows your lawn to the utility company Eliminate more paper mail with eBills and eStatements You must have a North Shore Bank checking account and Online or Mobile Banking Take a tour of Bill Pay's benefits To sign up for Bill Pay, simply log in to Online Banking or the Mobile App to get started Can I close my bank account(s) through Online Banking or the Mobile App? You cannot close your bank accounts (checking/savings/loans) online. You can bring the account to a $0.01 balance, however penalties/fees may be issued. If you wish to close an account, please stop by your nearest North Shore Bank office or call Customer Support at 877-672-2265. Are connections to third party sites secure through the website? When you are directed off of our website you will see at “3rd Party” icon next to the linked copy. This is meant to let you know that you are leaving our site. When you are on our site we can assure that you are safe, however, we cannot guarantee the safety of other sites. How do I import/export a Quicken Transfer Format (.QFX) file? Why do you pull credit for new account application? Under the requirements of the Patriot Act, all banks must do an identity check on a new customer. They use "customer identification programs" (CIP) that compare your name, address, date of birth, and other facts to the information contained on your credit report. Your credit score will not be damaged by that step. The CIP regulations require institutions to implement reasonable procedures for verifying the identity of any person seeking to open an account, to the extent that is reasonable and practicable. Why did I receive a call from Fraud Prevention Center? You received a call due to suspicious activity on your debit card. Security Common Scams Security Statement Identity Theft Protection Top Ten Financial Security Tips Online Banking Security What is an eStatement (electronic statement) and where is it? eStatements are electronic statements that can be accessed within Online Banking or the Mobile App. When you sign up for eStatements, your paper statements are automatically stopped. Go paperless & sign up for free eStatements today. eStatement features include: Access up to 18 months of your statements Email notifications that let you know when your statement is ready Downloadable copies of your statement, to save on your computer or print, if needed No more shredding of paper statements Online statements to help protect you from identity theft Ability to enroll and access eStatements in our Mobile Banking App Login to Online Banking or the Mobile App to enroll in eStatements. What happens if I deposit a check and it bounces? You will be assessed a fee and, depending on the payee, the check may be redeposited. Please view the current Services & Fees Schedule for Personal Accounts for information about fees. Is my account information available 24-hours a day? Your account information is available 24 hours a day, 7 days a week through Online Banking and the Mobile App. Manage your money online anytime, anywhere Online Banking and the Mobile App are free to all North Shore Bank personal banking customers and give you a variety of services that help you use and manage your accounts, when and where you want. What's in it for you: View current account information Manage your money on the go with the Mobile App, check your balance, deposit checks, review recent transactions, pay a bill and transfer money between your accounts Using Zelle you can send money to friends and family with just their email address or mobile phone number Set up eAlerts to notify you when important events have taken place within your accounts Use Bill Pay to ensure your bills are paid on time every time View up to 18 months of statements when you sign up for eStatements Export or download transaction information to your preferred money management program such as Quicken® Take a tour of our online services. I noticed an error on my credit report for a North Shore Bank loan. What should I do? Occasionally the credit reporting agencies incorrectly interpret the data given to them each month. If you are reviewing your credit history and notice an error, please contact the credit reporting agency. How soon are funds from telephone transfers available? Funds from telephone transfers are available immediately if transferred between 7 a.m. and 10 p.m. CST any weekday or between 7 a.m. and 8 p.m. CST on Saturdays. Funds transferred after these hours will be available the beginning of the next business day. Funds transferred on Sunday will be available on Monday. How can I sign up for direct deposit? The easiest way to sign up for direct deposit is to present your payroll department with a completed Direct Deposit Enrollment Form. It will have all the information they'll need to get you started. Your account number can be found on your eStatement, paper statement or checks (second set of numbers). Your employer must start the direct deposit process, however, you can download a Direct Deposit Enrollment Form to expedite the process. You can authorize direct deposit of your payroll, Social Security, retirement, Veteran's Administration benefits or almost any recurring deposits. With direct deposit, your check is automatically and safely deposited into your account. On payday, your money is right where you need it. Download a Direct Deposit Change Form today to get started! Do you offer a notary service? Yes, you may stop in at any of our office locations for our Notary services. There is no charge for customers to use this service. Please bring along a photo ID. Find a North Shore Bank office, Video Teller or ATM near you Do you offer a foreign currency exchange service? Yes. We are proud to offer a foreign currency exchange service. Please come into one of our nearby offices to convert your U.S. dollars. Rates and fees will be determined at time of service. Find a North Shore Bank office, Video Teller or ATM near you Do you have a rewards program? Debit Card Rewards Yes, we offer rewards programs for our debit card and credit card holders. If you have a North Shore Bank Standard or Platinum Debit Card you are automatically enrolled in our My Cash Back Rewards program. This program is simple, easy to use, and allows you to receive offers from merchants that you already shop with. Log into Online Banking or the Mobile App to view your offers. Credit Card Rewards For credit cards rewards, we offer a variety of cards which provide you with opportunities to earn rewards and other perks. Do I need to receive paper statements or can I get my statements electronically? Go paperless & sign up for free eStatements today. eStatement features include: Convenient access up to 18 months of your checking or savings statements Email notifications that let you know when your statement is ready Downloadable copies of your statement, to save on your computer or print, if needed No more shredding of paper statements Online statements to help protect you from identity theft Login to Online Banking or the Mobile App to enroll in eStatements Can you get me a copy of my credit report? To obtain a credit report please follow this link: https://www.annualcreditreport.com Can I print my statement using Online Banking or the Mobile App? You can print any statement found in your document list in eStatements. Go paperless & sign up for free eStatements today. eStatement features include: Convenient access up to 18 months of your checking or savings statements Email notifications that let you know when your statement is ready Downloadable copies of your statement, to save on your computer or print, if needed No more shredding of paper statements Online statements to help protect you from identity theft Login to Online Banking or the Mobile App to enroll in eStatements. Is there a fee for money orders? Please see our Fee Schedule for current money order fees. Am I required to keep a certain balance in my checking or savings account to avoid a fee? For information on account minimum requirements, please view the current Services & Fees Schedule for Personal Accounts. Why am I seeing a fee on my personal checking or savings statement? For information on acount fees, please view the current Services & Fees Schedule for Personal Accounts. What insurance products do you offer? Visit northshoreinvestmentservices.com to learn about our insurance offerings. Does North Shore Bank sell gift cards? Yes, North Shore Bank offers gift cards which are great options for any occasion. Learn more about our Gift Cards today. Does North Shore Bank have a travel card? Yes, North Shore Bank offers a reloadable travel card which offers convenience, whether you're traveling locally or abroad. Learn more about our reloadable Travel Card today. Does North Shore Bank have a prepaid card? Yes, North Shore Bank offers a reloadable prepaid card which offers flexibility for everyday spending. Learn more about our Prepaid Card today. Do you offer student loans? No, we do not offer student loans but in some circumstances a home equity line of credit may be your best option. Loans and Home Equity Lines of Credit Do you offer safe deposit boxes? We offer safe deposit boxes at many of our locations. Please call your local office or view its location page to see if safe deposit boxes are offered. Find an Office, Video Teller or ATM near you. Safe Deposit Boxes are not FDIC insured. Download a Direct Deposit Change Form today to get started! How do I set up an automated transfer in Online Banking or the Mobile App? To transfer money from one North Shore Bank account into another, log in to Online Banking or the Mobile App, select an account, then select transfer type under Transfers and complete the information. For transfers that you want repeated, click on "Make Recurring." Note: You may transfer money from one North Shore Bank account into another, but not to accounts outside of North Shore Bank. Do I have to pay a fee to cash a check in a North Shore Bank branch if I do not have an account? View the current Services & Fees Schedule for Personal Accounts What are your current rates and fees? Interest Rates Checking Interest Rates Savings Interest Rates Certificates of Deposit Interest Rates Home Equity Line of Credit/Installment Loans Interest Rates Mortgage Interest Rates Fees Personal Fee Schedule Business Fee Schedule What fees do you charge for ATM/debit card use? North Shore Bank debit cards are free to use at any North Shore Bank or MoneyPass Network ATM. Use our ATM & Branch Locator to locate an in-network ATM near you. If you use your North Shore Bank Debit Card at an out-of-network ATM, North Shore Bank will charge a $2.50 fee, and you may also be charged a fee by the ATM owner. What is the fee for sending domestic or international wires? View the current Services & Fees Schedule for Personal Accounts What is the fee for cashiers checks? View the current Services & Fees Schedule for Personal Accounts Can I apply for work out assistance on all my loans If I have more than one? Yes, each request will be reviewed differently, decisions will be made based each loan itself (term, rate, value). Can I apply for an auto loan if I have not found the car I want yet? You can apply for an auto loan online, even if you have not found the car you want yet, we will just need an approximate loan amount. Learn more about our auto loans or apply online. Can I apply for a loan even if I am coming out of bankruptcy? Yes, we will pull a credit report to calculate the best option. Though a credit report is helpful in the decision making process, it’s not the only record we review that determines decision. Loans and Home Equity Lines of Credit Are there closing costs associated with a Home Equity Line of Credit? An appraisal fee may be necessary, depending on the value and equity of the home. Loans and Home Equity Lines of Credit How do I send or receive wire transfers? For information on Wire Transfers please contact Customer Support at 877-672-2265 (8:30 am until 7:00 pm CST, Monday through Friday, 8:30 am until 3:00 pm CST, Saturdays, & 10:00 am until 1:00 pm CST, Sundays). What do I do If I have been locked out of my Online Banking? If you have been locked out of Online Banking, you must contact Customer Support at 877-672-2265. For your security, we will lock out anyone who is unsuccessful in multiple attempts to log into your account. We want to verify that it is you who is trying to access the account and will ask personal information to reset the account login information. Can I make a direct withdrawal from a bank other than North Shore Bank to make my lease payment? No. At this time we are unable to accept electronic transfers for lease payments. If I want to trade in my current leased vehicle, do I have to return to the original dealer? No, you may select any dealer. All car dealers can work directly with North Shore Bank. Why am I seeing pop-up ads when I visit northshorebank.com? Automated pop-up ads that you may encounter when visiting our website are not be generated by North Shore Bank. These pop-up ads direct you to paid services that are not sponsored by North Shore Bank. Please be mindful before clicking on these types of notifications. If you are looking for a free credit report, we encourage you to take advantage of the following option: you can obtain one free credit report each year at annualcreditreport.com. Which devices can I use with a Digital Wallet? Apple Pay® can be used on your iPhone 6, iPhone 6 Plus at merchants, plus the iPad Air 2 and iPad Mini 3 can be used for online purchases. Samsung Pay can be used on the Galaxy S8, Galaxy S8+, Galaxy Note 8, Galaxy S7 Edge, Galaxy S7, Galaxy S6, Galaxy S6 Edge, Galaxy S6 Edge+, Galaxy A5 or newer. Google Pay devices can be found here. Who can I ask about recharacterization and whether or not to do a Roth IRA conversion? You should discuss and plan any actions with your tax professional to ensure that it in your best interest. When is property considered unclaimed? Depending on the type of property and state in which you reside, the answer may vary. For customers living in Wisconsin and Illinois: checking and savings accounts, safe deposit box/self-storage box contents, cashier’s checks, and money orders are considered unclaimed after 5 years. What is unclaimed property? Generally, unclaimed property is any financial asset that hasn't had any activity for a period of one year or more and the holder of the asset is not able to contact the owner. This includes: Savings accounts Checking accounts Uncashed dividends Stocks and mutual funds Customer deposits or overpayments Certificates of deposit Credit balances Refunds Matured life insurance policies Uncashed death benefit checks The unclaimed property law also requires that utility deposits, unclaimed wages and property resulting from a business closure, be reported as unclaimed property after one year of inactivity. The law does not include real estate. What is the difference between balance and available balance? Your available balance shows the amount of funds you have available to withdraw, excluding any transactions or holds that are pending in our system. Balance may not reflect all pending items and you should always keep a register of all transactions for your account in order to avoid service charges. An easy way to keep track of your transaction history is to enroll in Online Banking or the Mobile App. What is the difference between a credit card and a debit card? A credit card payment works like a loan which is paid back monthly if you use it. A debit card uses funds that you have available in your checking account. What is Overdraft Privilege? What is my account number? Your 8 or 10-digit account number can be found on your paper statements, eStatements, on the bottom of your checks (the second set of numbers), or you can visit a neighborhood North Shore Bank office. What is an IBAN and is it required for international transfers? The International Bank Account Number (IBAN) is an international standard of identifying bank accounts across national borders. North Shore Bank does not issue IBANs, our ABA routing number is 275071356, and we operate within the Federal Reserve banking system. Are IRA recharacterizations still allowed? Effective January 1, 2018, pursuant to the Tax Cuts and Jobs Act (Pub. L. No. 115-97), a conversion from a Traditional IRA, SEP, or SIMPLE to a Roth IRA cannot be recharacterized. The law also prohibits recharacterizing amounts rolled over to a Roth IRA from other retirement plans, such as 401(k) or 403(b) plans. A Roth IRA conversion made in 2017 may be recharacterized as a contribution to a traditional IRA if the recharacterization was made by October 15, 2018. A Roth IRA conversion made on or after January 1, 2018, cannot be recharacterized. For details, see “Recharacterizations” in IRS Publication 590-A, Contributions to Individual Retirement Arrangements (IRAs). What is an IRA recharacterization? A conversion recharacterization is the reversal of an IRA conversion, such as from a Roth IRA back into a Traditional IRA. A contribution recharacterization allows you to change the contributions original designation and treat a regular contribution made to a Traditional IRA or a Roth IRA as having been made to the other type. If someone transfers money into my account, can they see my account balance? If someone transfers money into your account, they will not have access to view your account balance. How many accounts can I open? North Shore Bank can help you with all your financial needs. There really is no limit to the number of accounts you can have. As long as you continue to meet the requirements to open an account. Find a North Shore Bank office, Video Teller or ATM near you How can I submit a secure email through Online Banking? To submit a secure email, you must first log into Online Banking and select the envelope icon toward the top of the page. From here you are able to compose a secure message and review messages that have been sent to you. How can I prevent unclaimed property from being escheated? There are a few ways that you can claim your property before it is escheated: Mail back the claim letter we sent you, stating that you wish to claim your account Transfer your funds to different account with North Shore Bank Close your account Make a deposit to or withdrawal from your account Update your passbook How can I get my account number? Your 8 or 10-digit account number can be found on your paper statements, eStatements, on the bottom of your checks (the second set of numbers), or you can visit a neighborhood North Shore Bank office. Do you offer an automated phone service that can verify a check amount? If you are a merchant and you are calling to verify funds please dial Easy Access at 800-411-EASY (3279). Use prompt #7 to activate the Merchant Verification feature. Do you offer a holiday savings account? Our Holiday Savings Account makes saving for the holiday season easy. Make deposits throughout the year and interest is credited annually, in late October at the beginning of the withdrawal period. Can I deposit coins in a branch? We absolutely will accept coin deposits! In fact, we have coin counting machines at our offices to accommodate our customers. Find a North Shore Bank office, Video Teller or ATM near you Can my loan be paid off by a third party? Yes, anybody can pay off the loan, although the title rights and/or responsibilities are solely of the party listed on the title and loan, unless otherwise specified. For loan payoff information please contact Customer Support at 877-672-2265. Do I get credit if the payoff balance is less than the Gap insurance is willing to pay? Yes, you will receive any balance owed to you. Please contact Customer Support at 877-672-2265 to speak about your specific situation. What kinds of mortgages does North Shore Bank offer? You’ll find a variety of home financing options on our mortgage home loans page, including: Fixed rate mortgages that securely lock in one low interest rate and monthly payment over the life of your loan Adjustable rate mortgages that can make a great home more affordable with lower upfront payments Primary home mortgages with terms ranging from 3 to 30 years Home equity loans and lines of credit that let you finance improvements or get needed cash, using the value of your current home No closing cost loans and non qualified mortgage loans Multi-family and commercial mortgage loans Finding the best mortgage also means finding the best terms, so talk to one of our loan professionals for answers and advice. Is a 10-year term a better fit for you than 30 years – or do you want a smaller down payment and lower monthly payment? Do you like the security of fixed rates, or can an adjustable rate mortgage help you afford the home you really want? We can walk you through all the possibilities. Simply call 877-672-2265. There’s no obligation – just good advice you can trust. You can also get pre-approved in as little as a few minutes. It’s easier than you think! Featured Guidance Do you have first time homebuyer programs? How can I get the best mortgage rate? Why get pre-approved before shopping for a home? Is it better to pay points for a lower rate? What happens after I apply for a mortgage? Can I refinance my current mortgage? How can I improve my chances of getting a mortgage? Financing a home of your own might seem like only a dream. But dreams can come true with these basic tips. Document your finances. Look at how you spend your paycheck, including credit card or student loan payments. If you can keep your monthly debt obligations below 43% of your income, you have a better chance of qualifying for a mortgage. Don’t put it off. It costs nothing to meet with our mortgage professionals and decide if you’re ready financially. We can also show you mortgage programs that might fit your unique needs. Maintain good credit. If your credit score is around 620 or below, talk to us about ways you can raise it before applying for a mortgage. Avoid new debt. Don’t get new credit cards or make big purchases with plastic that can drive down your credit score. Save toward a down payment. A down payment of just 5% can make all the difference in getting approved if your credit score isn’t the best. Find a co-signer. If you can’t qualify for a mortgage on your own, having a co-signer can help compensate for less-than-perfect credit. At North Shore Bank we’re happy to help you start on the path to home ownership. Call us at 877-672-2265 today, or apply online for a mortgage right now. Featured Guidance What kinds of mortgages does North Shore Bank offer? How can I get the best mortgage rate? Why get pre-approved before shopping for a home? Is a fixed rate or adjustable rate mortgage best? What’s the best term for a mortgage? What happens after I apply for a mortgage? Which Mortgage Loan is the Best: Adjustable or Fixed Rate? We offer both fixed and adjustable rate loans, as you’ll see on our mortgage rates page. While some of the differences between the two loan types can be complicated, these simple points of comparison can give you a better idea of your options. A fixed rate mortgage might be better if you: Prefer the peace of mind that comes with one locked-in interest rate and monthly payment Plan on staying in your home for many years Are near the peak of your earning potential or don’t want to risk taking on a larger monthly payment in the future An adjustable rate mortgage might be better if you: Prefer a lower upfront rate or wish to qualify for a larger mortgage Plan on selling or refinancing your home in just a few years Expect your earning potential or financial worth to increase by the time your monthly payments increase Your personal preferences can offer important clues to the best choice. Contact our loan professionals today or call 877-672-2265 to schedule an appointment at no obligation. Featured Guidance Is it better to pay points for a lower rate? What happens after I apply for a mortgage? What documents do I need to close on a mortgage? Are there tips I can use for faster closing? Can I refinance my current mortgage? Are there other products at North Shore Bank that can enhance my mortgage? ARM vs. Fixed Rate Mortgage Calculator Is it better to pay points for a lower rate? When you close on a mortgage, you may have the option of paying points in exchange for a lower interest rate that can reduce your monthly loan payments. If you’re not sure what points are or how they can affect your mortgage costs, here are some basics to help you decide. A point is basically a measure of prepaid interest, equal to 1% (one point) of the total loan. For a $100,000 mortgage, that means an upfront cost of $1,000 per point. Generally points are worth the cost if: You can save more on payments over the life of the loan than by putting the money into a bigger down payment You intend to stay with your home (and your mortgage) for a long time You can use our mortgage points calculator to calculate your own savings. For example, paying two points to get a 4% rate on a $100,000 mortgage could save you $2,000 over 10 years. But if your plan is to sell your home after only four or five years, you’re better off putting the money into your down payment. For all your mortgage options, contact a loan professional today or call 877-672-2265. At North Shore Bank we’ll help you maximize the value of your mortgage. Featured Guidance What kinds of mortgages does North Shore Bank offer? How can I get the best mortgage rate? Why get pre-approved before shopping for a home? How can I improve my chances of getting a mortgage? Is a fixed rate or adjustable rate mortgage best? What’s the best term for a mortgage? What documents do I need to close on a mortgage? After you apply for a home mortgage, we’ll ask you for a variety of documents in order to prepare your loan for closing. Having these papers ready can dramatically shorten your turnaround time and get you into your new home that much sooner: Income verification, including paycheck stubs and W-2 forms Tax documents for two recent years, including all tax return pages and schedules Bank and investment statements Current profit-and-loss statements if you run your own business Proof of rental property income going back two years, if applicable A gift letter from anyone providing cash toward your down payment, stating that the money is a gift rather than a loan Depending on your situation, you may need to provide other documents as well. A quick talk with our loan professionals can make it clearer, so feel free to call us at 877-672-2265. We’ll help guide you through the home buying process with a minimum of red tape. Featured Guidance Do you have first time homebuyer programs? What happens after I apply for a mortgage? Are there tips I can use for faster closing? Can I refinance my current mortgage? Are there other products at North Shore Bank that can enhance my mortgage? Are there tips I can use for faster closing? When you finally come upon the house of your dreams, fast loan approval and a quick close can often determine whether you’ll be the one proudly moving into that new home. At North Shore Bank, our mortgage team is proud to deliver fast, local decision-making and industry leading turnaround times. But you can do a lot to accelerate the closing process, too. Try these suggestions: Get pre-approved online. Obtaining pre-approval often takes just a few minutes, but it can save a week or more once you’ve made your offer and begun the closing process. Gather documentation early. Learn which documents you’ll need for closing and track them down now, so you won’t be waiting anxiously later. Be complete. Our loan underwriters will need every last page of documentation (even the blanks) to establish your complete financial record. When in doubt, include it. Get your gift early. If a family member is helping with your down payment, deposit it in your bank account more than two months before you apply. Be honest. Omissions on the initial application are the #1 reason for delays, so be upfront about problem areas. We’re here to find and close a loan for you – not to judge you. Avoid big changes to your finances. Don’t apply for new credit, get a car loan or make big purchases. Also, avoid a job change if possible. It can raise red flags that slow your loan. Communicate quickly. Commit to checking your phone regularly, setting email alerts or doing whatever it takes to be responsive. Set a timeline with your seller. If your offer is accepted and the seller must fix certain issues, get it in writing with a mandatory completion date. Working closely with North Shore Bank can help you move in ASAP, so contact us today or call 877-672-2265 to get other tips for a speedy closing. Featured Guidance What kinds of mortgages does North Shore Bank offer? What documents do I need to close on a mortgage? Can I refinance my current mortgage? Are there other products at North Shore Bank that can enhance my mortgage? Why get a home equity line with my mortgage? Are there other products at North Shore Bank that can enhance my mortgage? When you apply for a mortgage at North Shore Bank, you can also take advantage of other products to save money and increase your financial flexibility. For example, you’ll get a discount on closing costs for a new mortgage loan when you open a North Shore Bank checking account. And every eligible mortgage applicant is also considered for a home equity line of credit at no obligation – offering an essential tool for financial flexibility and peace of mind in your new home. Instant buying power for major expenses, no questions asked Easy access with funds transferred directly to your North Shore Bank checking account Lower interest rates and easier payments than credit cards Less impact on your monthly cash flow There’s more to your financial picture than a mortgage, so at North Shore Bank we offer more ways to benefit. Contact our loan professionals to learn more, or call us at 877-677-2265. Featured Guidance Do you have first time homebuyer programs? What kinds of mortgages does North Shore Bank offer? How can I get the best mortgage rate? Is a fixed rate or adjustable rate mortgage best? What’s the best term for a mortgage? Why get a home equity line with my mortgage? Why did my check bounce when I had money? There could be many reasons why your check bounced. For security reasons you must contact Customer Support at 877-672-2265. What about recurring payments on my old debit card? Use this guide to help you identify where to provide your new debit card number and expiration date. Auto Payments Review your checking account transactions to identify and update recurring payments. Don’t forget annual auto-renewals such as Amazon Prime Membership and Angie’s List. Preferred Payment Methods Update apps and websites that have your debit card saved as the preferred payment method, such as Amazon, iTunes, Uber, Walmart.com, etc. Digital Wallets Update the digital wallet on your smartphone, tablet or smartwatch, such as Apple Pay, Google Pay and Samsung Pay. Monthly Cellular Phone Bill If you are activating a new North Shore Bank Platinum Debit Mastercard, pay your monthly cellular bill with your Platinum Debit Card, and you’re automatically covered for up to $600 ($1,000 annually), at no additional cost, if your phone is stolen or damaged (coverage applies to all phones on your monthly plan/bill). Can I change insurance companies for my homeowner's policy? Do I need to notify you? You may change insurance companies but you will need to let us know anytime changes are made to the insurance coverage. Before you make any changes please contact Customer Support at 877-672-2265 to see if there are any restrictions or limitations. I had a fire loss (or other damage) to my property. What should I do? Your mortgage agreement requires that in addition to notifying your insurer, you also notify the bank. Please contact our Mortgage Servicing Group at 877-672-2265 when you receive the proof of loss from your insurance carrier. Because your property is the collateral for your loan, we may need to inspect the damage and the repairs when they are completed. I'm having trouble enrolling in eStatements, who should I contact? Please contact our Customer Support area by email or by phone (877-672-2265 - 8:30 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). How does the chip make my debit card more secure? A chip-enabled card adds another layer of security by requiring the chip to produce a single-use code to validate the transaction — further protecting your card from unauthorized use. This process makes your chip card information more difficult to steal and therefore prevents counterfeit fraud. How do I pay at a card reader that is not chip-enabled? Your card has a magnetic stripe on the back, so you can still swipe your card at a traditional card reader. Why did my business checking account change? With your business in mind, North Shore Bank has updated our business checking accounts. All accounts provide you with the benefits and features you deserve, including a low minimum monthly balance requirement that helps you avoid monthly service charges. If you have questions about your account or would like to discuss other account options and features, please contact a North Shore Bank Cash Management Representative at 800-270-7956 during normal business hours. Do I still need to sign the back of my contactless debit card? Yes, you need to sign the back of your debit card for security purposes. How do I cancel my eBill trial? When your eBill trial ends, your eBill delivery will stop. If you would like to end your trial sooner, please contact our Customer Support at 877-672-2265. What do the following error messages or warnings mean? "Log In Information May Be Missing Or Invalid. Use First Time Log In If Logging In For The First Time" : If you have already signed up for Online Banking, this message usually means that either you have entered both your access ID and password incorrectly or you only entered your access ID incorrectly. Remember that your access ID and password are case-sensitive, so please make sure that you're entering both of them exactly as you created them (either all caps, lower case or a mixture). "Invalid Customer Security Code". This message means that you entered your password incorrectly. Remember that your password is case-sensitive, so please make sure that you're entering it exactly as you created it (either all caps, lower case or a mixture). "Your account has been disabled". If you receive this message, it usually means that the password has been entered incorrectly five or more times. This message may also appear when you use the “Back” button on your browser instead of using the links at the top of your Online Banking screens. If this happens, please contact North Shore Bank Customer Support. “The information you are submitting is insecure”. The message you see is a "Warning! You have requested an insecure document that was originally designated a secure document. The document and any information you send back could be observed by a third party while in transit" - or a related message (depending on your browser) is shown because you are moving from a secure page within our Online Banking site to an unsecured page. This is your browser's way of warning you that the next page you are requesting is an insecure document and that you should not enter any confidential information on it. Once you leave a secure site like Online Banking, any information you transmit from that page is not encrypted for security and could possibly be viewed by a third party. "Warning: Page has Expired". This is done for security reasons. Instead of using the browser buttons, please use the navigation icons or links on the Online Banking screens. ”Invalid customer security code”. This message means that you entered your password incorrectly. Remember that your password is case-sensitive, so please make sure that you're entering it exactly as you created it (either all caps, lower case or a mixture). Will I be able to see my Digital Wallet transactions on my phone? You will be able to view the city, state, and date of your last debit card transaction. For more information about North Shore Bank transactions, log into Online Banking or contact Customer Support at 877-672-2265. I am trying to add my debit card to my digital wallet. Why am I being prompted to call my bank for verification? If you are unable to activate your North Shore Bank debit card in your digital wallet, please contact Customer Support at 877-672-2265 for help with adding your debit card to the app for security purposes. What if I need to return an item that I purchased using my Digital Wallet? The return process varies by merchant. You may need to present a receipt from the merchant to return the item or device over the contactless payment terminal and wait for the slight vibration of the device to confirm the refund has been processed. Is there a fee or charge for using a Digital Wallet? There is no cost to use a Digital Wallet, however, an active data plan with your mobile carrier is required. Based on your wireless plan, additional message and data charge may apply. If I receive a new debit card, do I need to add it to my Digital Wallet? Yes, if your card number or expiration date has changed you will need to update the card in your digital wallet. Please delete the old card from the wallet app. How is my information protected when using a Digital Wallet? Digital wallets provide merchants with a device account number or token instead of a card number. This means your actual card number is never shared directly with the merchant and your details remain safe. How do I set my North Shore Bank debit card as the default card in my digital wallet? To change the default card in your digital wallet, select the card that you would like to make the default and select “set as default”. Are my Digital Wallet purchases covered by Fraud Protection? Yes, all transactions made with your North Shore Bank debit card are covered by Mastercard’s Zero Liability Coverage, including those made through Digital Wallets. I need help with setting up Apple Pay, Google Pay or Samsung Pay. What do I need to do? View instructions for adding your debit card to the digital wallet (Apple Pay, Google Pay or Samsung Pay) on your mobile device. How do I add my North Shore Bank debit card to Apple Pay? What is the difference between the Platinum and Standard Debit Card? View a comparison of our debit cards My debit card is expiring. When will I receive my new debit card? Your debit card will automatically reissue during the expiry month and year on the card (MM/YY). You can expect to receive your new card within the third week of the month your current card is set to expire. You can continue using your current card until the first day of the following month. It's always a good idea to make sure we have your current mailing address on file. Learn more about updating your contact information. 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. Who do I call if my debit card is restricted? Please call our Customer Support Team at 877-672-2265. For security purposes, you will need to provide specific data so we can identify you and help you resolve the situation. How do I enroll in eStatements through my Business Online Banking account. Follow these instructions to enroll in eStatements for Business Online Banking. What's the difference between a debit card and an ATM card? A debit card can be used at any ATM or merchants that accepts credit cards. An ATM card can only be used at ATM terminals or merchants that accept ATM transactions. What should I do if my Debit card becomes lost or stolen? If you have lost your debit card please contact 888-437-0103 as soon as possible. This number can be reached 24/7. Our Debit Card Alerts service helps you monitor and stay informed about transaction activity on your card. You can also temporarily lock your debit card to prevent unauthorized use. Learn more and sign up for Debit eAlerts today. What should I do if I am out of town and my debit card is declined and I know that the funds are available? Please call our Customer Support Team at 877-672-2265. For security purposes, you will need to provide specific data so we can identify you and help you resolve the situation. What do I do if the ATM does not dispense the money I asked for and the funds have been deducted from my account? If you are using a North Shore Bank debit card, please contact our Customer Support Team at 877-672-2265. Otherwise contact the bank that issued the card. What do I do if my personal identification number (PIN) does not work? There could be several reasons why your debit card PIN does not work, from fraud protection to insufficient funds. For security reasons, please contact our Customer Support Team at 877-672-2265. What do I do if my debit card does not work? For security reasons, please call our Customer Support Team at 877-672-2265 regarding your debit card. My debit card is not working; help! Please call our Customer Support Team at 877-672-2265. For security purposes, you will need to provide specific data so we can identify you and help you resolve the situation. How much does it cost to replace my debit card? The cost to replace a debit card is $10. If you have lost you debit card please contact 888-437-0103 as soon as possible. This number can be reached 24/7. 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. How do you determine exchange rates for foreign transactions? Exchange rates are calculated in global currency markets and can fluctuate. How do I sign up for Boingo WiFi benefits? The Boingo WiFi service connectsNorth Shore Bank Platinum and Business Debit Card customers to more than 1 million hotspots worldwide at locations including airports, hotels, restaurants, cafes, inflight and more. In many locations, you can connect to this fast and secure service automatically. North Shore Bank Platinum and Business Debit Card customers can start the registration process by visiting mastercard.boingo.com. Registration process overview: Visit mastercard.boingo.com and enter your full Platinum or Business Debit Card number to get started Set up an account and register with their name and email address A welcome email from Boingo with access instructions once the registration process is complete To automatically connect to the WiFi service you will need to download the Passpoint app Download the app to find Boingo Wi-Fi How do I order a new debit card? Visit your local office or contact Customer Support at 877-672-2265. The cost to replace a debit card is $10. If you have lost you debit card please contact 888-437-0103 as soon as possible. This number can be reached 24/7. How do I activate my debit card? After your card arrives, call 877-315-3483 When prompted, enter the following information: Your new card number The last 4 digits of your Social Security Number The 3-digit Card Verification Code (CVC) on the back of our new card Your birth date in month/month-year/year format. For example, May 1976 is 0576 Your 5-digit zip code of the address where the card was mailed Your card will be activated Follow the prompts to set up a PIN after activation is complete How do I access my debit card rewards account? Your My Cash Back Rewards account information is available in both Online Banking and the Mobile App. When logged in, you can view a summary of all new, active and earned offers. Do you offer debit card rewards? If you have a North Shore Bank Standard or Platinum Debit Card you are automatically enrolled in our My Cash Back Rewards program. This program is simple, easy to use, and allows you to receive offers from merchants that you already shop with. Log into Online Banking or the Mobile App to view your offers. How do I change my PIN for my debit card? Your PIN is created at account opening or when a new card is set-up. To change your PIN, please call Card Services at 877-315-3483 from the phone number we have on our system, most likely your home or mobile phone. Can I use my debit card while traveling internationally? Yes, please call North Shore Bank's Customer Support Team at 877-672-2265 before your international travel so we can ensure your card will be protected. Are there spending limits on my debit card? 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 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. HSA 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. How do I request a stop payment on a check and what does it cost? To place a stop payment on a check through Online Banking, select the appropriate checking account and then select Stop Payments. Fill out the required check details on the following screen, review, and submit your request. Additionally, a stop payment request can be made by calling Customer Support at 877-672-2265. For information about stop payment fees, please view the Services & Fees Schedule for Personal Accounts. Why is there a difference between my actual balance and my available balance? Funds deposited at ATM machines and checks deposited inside our branch offices have various holds placed on them. The number of days funds are held depends on the ownership of the ATM. Checks deposited through the mail or at our branches have a 1 business day hold. Checks deposited to a New Account have a 5 business day hold for the first 30 days. What is the cell phone protection coverage? Cell Phone Protection is an exclusive benefit that North Shore Bank provides for Platinum Debit Card and Business Debit Card cardholders. As long as you pay your monthly cellular bill with your North Shore Bank Platinum or Business Debit Card, you are automatically covered for up to $600 ($1,000 Annually) – at no additional cost – if your phone is stolen or damaged1 Coverage includes the primary line and unlimited additional or supplemental lines on the monthly billing statement from your cellular provider. For more detailed information, please view the appropriate Mastercard Guide to Benefits: Platinum Debit Mastercard Guide to Benefits Business Debit Mastercard Guide to Benefits How do I use Apple Pay? When making purchases at a retailer that accepts Apple Pay as payment, hold your device over the terminal and accept the charge with your fingerprint or passcode when prompted. A subtle vibration and beep lets you know the purchase was successful. Your experience with Apple Pay may vary by merchant. If asked to verify the last 4 digits of a card number give the merchant the last last four digits of the Device Account Number instead. The Device Account Number can be found by selecting the ⓘ icon while viewing your card in the Wallet app. You may also be asked to provide a signature or debit card PIN to complete your transaction. You can also use Apple Pay on your iPhone or iPad to make purchases within participating mobile apps. Look for the Apple Pay logo while completing an in-app purchase to use this feature. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. How do I remove a card from Apple Pay? To remove a card from Apple Pay, simply select the card in the Wallet app and click on the ⓘ icon in the bottom corner to view the back of the card. Scroll to the bottom to find the ‘remove card’ option. After deleting, you can re-add this card to Apple Pay at any time. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. What market areas does North Shore Bank Serve? 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. What branches feature Video Tellers? To locate a branch office with a video teller, please select Video Tellers from the Branch Locations page. Where can I find free ATMs? North Shore Bank ATMs are free to use for North Shore Bank debit cardholders. You can also access over 33,000 free ATMs through the MoneyPass Network. Find an ATM near you. Where are your ATMs located? Find an Office, Video Teller or ATM near you. What is the maximum amount I can withdraw from an ATM in one day? The maximum amount of cash that you are able to withdraw from an ATM in one day is $500. This includes any fees related to the transaction. Find an Office, Video Teller or ATM near you. Can I make cash deposits at an ATM? ATM deposits can be made at most of our ATMs. Find an Office, Video Teller or ATM near you. Are there any service fees for ATM withdrawals? ATM withdrawals are free at any North Shore Bank as well as at over 33,000 MoneyPass Network ATMs nationwide when you use your North Shore Bank debit card. Use our ATM & Branch Locator to locate an in-network ATM near you. If you use your North Shore Bank Debit Card at an out-of-network ATM, North Shore Bank will charge a $2.50 fee, and you may also be charged a fee by the ATM owner. What is your contact information such as your mailing address? 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) What are your locations? Find a North Shore Bank office, video teller or ATM near you. I received a survey request claiming to be from North Shore Bank. Is this legitimate? 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. How do I contact Customer Support? 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). Do you offer signature guarantee? Yes, North Shore is a guarantor and a member of STAMP (Securities Transfer Agents Medallion Program). Please contact your local branch for more information. Can I schedule an appointment at a branch online? Yes, you can schedule an appointment at any of our offices or with any of our Mortgage Loan Officers through our online form. Will the person I send money to via Zelle® be notified? Yes! They will receive a notification via email or text message. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. What is Zelle®? Zelle is a fast, safe, and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank2. 1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. 2 Must have a bank account in the U.S. to use Zelle. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Do you offer home equity lines of credit? North Shore Bank does offer home equity lines of credit for our customers to buy vehicles, consolidate bills, or pay off other debts. The first step is to apply online or call one of our Personal Bankers at an office near you. Loans and Home Equity Lines of Credit Do you offer payday loans? We do not offer payday type loans. Loans and Home Equity Lines of Credit How do I apply to refinance my home equity loan? If you would like to apply for a loan to refinance your current home equity line of credit, please complete an online application or call an office near you. Loans and Home Equity Lines of Credit What are your current auto loan rates? North Shore Bank's current auto loan rates are always online. We offer great rates and flexible terms. Get the vehicle you really want. Our auto loans come with the best terms—yours. What’s in it for you: Loans and terms designed especially for you No annual fees No application fees Terms from 12 months to 60 months. Additional details. Fast and easy online application process with quick response Apply For Your Loan Additional benefits: Make your monthly payments a snap with optional automatic withdrawal from your North Shore Bank checking account Lease options available (contact us to learn more) Online Banking payments If I have bad credit, can I qualify for an auto loan? There are several definitions of "good credit". If you have had credit difficulties in the past, the best way to find out if we can assist you is to apply for a loan. Loans and Home Equity Lines of Credit How do I check the status of a loan application? To check the status of a loan application please contact your Personal Banker or Loan Officer. Find a North Shore Bank office, ATM or loan center near you. Do you have loans for motorcycles? Yes, we offer motorcycle loans. Apply for your motorcycle loan online today, the application is available 24/7. Or apply in person. You are always welcome to apply at one of our office locations. Loans and Home Equity Lines of Credit How long does a loan approval take? In most cases we are able to respond to your loan application within the same business day. Loans and Home Equity Lines of Credit How can I qualify for a loan? Loan qualifications differ depending on which loan you are applying for. The best way to find out if you qualify for a loan is to apply. Loans and Home Equity Lines of Credit If I get an auto loan through North Shore Bank do I have to purchase a car from an auto dealer? No, we do finance private sales. Apply for an auto loan today! Get the vehicle you really want. Our auto loans come with the best terms—yours. What’s in it for you: Loans and terms designed especially for you No annual fees No application fees Terms from 12 months to 60 months. Additional details. Fast and easy online application process with quick response Apply For Your Loan Additional benefits: Make your monthly payments a snap with optional automatic withdrawal from your North Shore Bank checking account Lease options available (contact us to learn more) Online Banking payments What do you mean by risk based lending? Depending on your credit profile will determine your interest rate. The better your credit the better your interest rate. North Shore Bank does not have risk based lending for non-business loans. Loans and Home Equity Lines of Credit How much does it cost to use Bill Pay? There is no cost to use Bill Pay for personal accounts. Making bill payment fast, free, and (almost) fun! Our free personal online bill pay service is available for all North Shore Bank checking customers who use Online Banking or Mobile Banking that want to save the time, hassle and postage costs of paying bills by mail. What's in it for you: Free personal online bill payment service Eliminates all or most check writing and saves you money on postage Pay anyone or any company, from the kid that mows your lawn to the utility company Eliminate more paper mail with eBills and eStatements You must have a North Shore Bank checking account and Online or Mobile Banking Take a tour of Bill Pay's benefits To sign up for Bill Pay, simply log in to Online Banking or Mobile Banking to get started How secure is Bill Pay? Security Common Scams Security Statement Identity Theft Protection Top Ten Financial Security Tips Online Banking Security Do you have first-time homebuyer programs? Yes, North Shore Bank offers first-time homebuyers great rates on a variety of flexible mortgage programs – even if you can’t afford a big down payment or high monthly payment. Just as important, our local mortgage professionals are happy to personally assist you. We can explain your home financing options, refer you to proven real estate agents or use our experience and local contacts to help you get comfortable with the home buying process. Here are a few smart ways to get started: Contact a mortgage loan professional near you for a free consultation and answers that can help you start off on the right foot If you’re already shopping, use our mortgage calculators to estimate payments and get the best deal Find the interest rate you want automatically, by signing up for email rate alerts Get pre-approved online in minutes and increase your bargaining power at no cost Buying your first home can be intimidating, but we’re here for you every step of the way – providing exceptional service and clear, helpful answers to all your questions. With more than 90 years of service to our neighbors, North Shore Bank truly is “The Bank of You.” Featured Guidance What kinds of mortgages does North Shore Bank offer? How can I get the best mortgage rate? Why get pre-approved before shopping for a home? How can I improve my chances of getting a mortgage? Is a fixed rate or adjustable rate mortgage best? What happens after I apply for a mortgage? How can I get the best mortgage rate? Visit our mortgage rates page and you can see our loan options at a glance. But keep in mind that a smart mortgage is a lot more than numbers, terms and APRs. Because mortgage rates can vary daily and are subject to change, connecting with us is the easiest way to make sure that you have the latest information. More important, we can sit down together and discuss the many factors that affect your overall loan cost. For example, locking in that “lowest possible rate” could ultimately cost you more in interest points. To find the best loan and not just the best rate, simply: Contact our experienced loan professionals online Call 877-672-2265 to schedule a free consultation Use our mortgage payment calculators to see how different rates and terms translate into monthly payments and interest costs Talk to a North Shore Bank mortgage professional or get pre-approved online in minutes. You’ll learn how much home you can comfortably afford – and you might be pleasantly surprised! Featured Guidance How can I improve my chances of getting a mortgage? Is a fixed rate or adjustable rate mortgage best? What’s the best term for a mortgage? What documents do I need to close on a mortgage? Why get a home equity line with my mortgage? What’s the best term for a mortgage? As you review your mortgage options, one basic question is: Do you want the lowest monthly payment, or is it your goal to own your home as quickly as possible? Our most popular 30 year and 15 year fixed rate mortgages, for example, both have advantages You’ll pay less each month with a 30 year term. On the other hand, a 15 year mortgage can reduce your interest costs by more than half over the life of the loan. Why you might prefer a 30 year term You can only afford a lower monthly payment You’re younger and expect to earn income over the entire term You can maximize your mortgage interest tax deduction Why you might prefer a 15 year term You’ll own your home free and clear sooner You want to pay off your home before retiring or sending children to college You’ll pay less interest over the life of the mortgage You can try our mortgage and loan calculators to compare terms for fixed and adjustable rate mortgages. Talk to a loan professional at North Shore Bank to discuss the terms that fit you best. We can help make your choices clear. Featured Guidance What kinds of mortgages does North Shore Bank offer? Why get pre-approved before shopping for a home? How can I improve my chances of getting a mortgage? What happens after I apply for a mortgage? Are there other products at North Shore Bank that can enhance my mortgage? Why get a home equity line with my mortgage? Can I refinance my current mortgage? Many homeowners refinance with North Shore Bank to reduce monthly payments, slash years off their loan term, get cash out and save many thousands of dollars in interest. Refinancing your home often makes financial sense if: You can save at least a point or two off your current interest rate Your credit score has improved and you qualify for a lower rate Your financial situation has changed and you need lower payments – or you can now afford larger payments A good place to start is by checking our rates and comparing them to your current mortgage. You might end up pocketing big savings over the life of the loan, or owning your house free and clear much sooner. Use our refinancing calculator to assess potential savings and break-even points. To find out more, apply online with no obligation. Refinancing with North Shore Bank is quick and easy, with no appraisal required, and our loan officers are happy to discuss your options. Featured Guidance What kinds of mortgages does North Shore Bank offer? How can I get the best mortgage rate? What’s the best term for a mortgage? Is it better to pay points for a lower rate? Are there tips I can use for faster closing? Mortgage Home Loans The tools and support you need through every step in the mortgage loan process. We understand buying or building a home is a big financial decision. From the first steps of pre-approval, to choosing and applying for the right home loan to meet your needs, and even into your mortgage closing and beyond, we're here to answer your questions and provide you with financial tools and ongoing support. Free Mortgage Pre-approval Fixed-rate Mortgage Loans Adjustable Rate Mortgage Loans Our free mortgage pre-approval gives you confidence when you put an offer in on a new home. You’ll never have to worry if interest rates will go up or down because your rate and payments will always be the same for the entire life of your home loan. With a North Shore Bank Adjustable Rate Mortgage (ARM), you may qualify for a larger mortgage loan amount, allowing you to buy the house you really want. Apply for Your Mortgage Loan Pre-approval Apply for Your Fixed-rate Mortgage Loan Apply for your Adjustable Rate Mortage Loan Additional Mortgage and Home Loan Options Multi-Family and Commercial Mortgage Loans Are you planning to invest in commercial or multi-family real estate housing? Make sure to include North Shore Bank in your financing plans. What types of IRAs do you offer? There are several types of IRAs offered through North Shore Bank. Make saving for retirement a little less taxing. Both the Traditional and Roth IRA grow tax-deferred and are allowed to have automatic distributions. All of our retirement options come with the expertise and guidance of a knowledgeable North Shore Bank IRA Professional. Use our Roth IRA Conversion Calculator to see if you should convert. Traditional IRA Anyone under the age of 70 with earned income and wants to save money for their retirement can use an account that allows their money to grow tax-deferred until retirement age. What's in it for you? Contributions may be tax-deductible1 Can be consolidated with other personal IRAs North Shore Bank Certificates of Deposit are FDIC insured Roth IRA Anyone, any age, with earned income who wants to save money for retirement, especially those who earn an income that exceeds the limits set for Traditional IRA deductibility, and want the ability to withdraw the money tax-free can use a Roth IRA. What's in it for you? Earnings may be able to be withdrawn tax-free2 Can be consolidated with other personal IRAs North Shore Bank Certificates of Deposit are FDIC insured No requirement to withdraw a minimum amount at any age Find an office near you. 1 Distributions taken prior to age 59½ are subject to an IRS penalty. Your contributions to a Traditional IRA may or may not be tax-deductible. Deductibility is determined by two factors, whether you actively participate in an employer-maintained qualified retirement plan and your modified adjusted gross income. (Consult your tax advisor) 2 Income limits affect eligibility to contribute. You can begin taking "distribution" withdrawals from a Roth IRA without paying taxes or penalties if you have held the account for at least 5 years, and have reached at least 59½ years of age. Unlike with a Traditional IRA, there is no requirement to withdraw a minimum amount at any age. (Consult your tax advisor) What happens to my Traditional IRA if I die? Your beneficiaries will be notified and funds will be distributed accordingly. Don't have an IRA? Make saving for retirement a little less taxing. Both the Traditional and Roth IRA grow tax-deferred and are allowed to have automatic distributions. All of our retirement options come with the expertise and guidance of a knowledgeable North Shore Bank IRA Professional. Use our Roth IRA Conversion Calculator to see if you should convert. Traditional IRA Anyone under the age of 70 with earned income and wants to save money for their retirement can use an account that allows their money to grow tax-deferred until retirement age. What's in it for you? Contributions may be tax-deductible1 Can be consolidated with other personal IRAs North Shore Bank Certificates of Deposit are FDIC insured Roth IRA Anyone, any age, with earned income who wants to save money for retirement, especially those who earn an income that exceeds the limits set for Traditional IRA deductibility, and want the ability to withdraw the money tax-free can use a Roth IRA. What's in it for you? Earnings may be able to be withdrawn tax-free2 Can be consolidated with other personal IRAs North Shore Bank Certificates of Deposit are FDIC insured No requirement to withdraw a minimum amount at any age Find an office near you. 1 Distributions taken prior to age 59½ are subject to an IRS penalty. Your contributions to a Traditional IRA may or may not be tax-deductible. Deductibility is determined by two factors, whether you actively participate in an employer-maintained qualified retirement plan and your modified adjusted gross income. (Consult your tax advisor) 2 Income limits affect eligibility to contribute. You can begin taking "distribution" withdrawals from a Roth IRA without paying taxes or penalties if you have held the account for at least 5 years, and have reached at least 59½ years of age. Unlike with a Traditional IRA, there is no requirement to withdraw a minimum amount at any age. (Consult your tax advisor) Am I required to register before sending a payment with the online loan payment service? When you register for the online loan payment service you are able to establish login credentials that will grant you addtitional functionality, such as setting up recurring payments. If you choose not to register, you can still submit a payment after validating select information. Examples of this information include your account number, last name, address, zip code, last four digits of your Social Security Number (SSN). What are my new business checking account fees? The new checking account minimum balance requirements and free transaction counts can be found on our Business Services and Fees document. These requirements are effective as of May 1, 2021. If you have questions about your account or would like to discuss other account options and features, please contact North Shore Bank Business Banking Customer Support at 800-270-7956 during normal business hours. What is an IRA? Make saving for retirement a little less taxing. Both the Traditional and Roth IRA grow tax-deferred and are allowed to have automatic distributions. All of our retirement options come with the expertise and guidance of a knowledgeable North Shore Bank IRA Professional. Use our Roth IRA Conversion Calculator to see if you should convert. Traditional IRA Anyone under the age of 70 with earned income and wants to save money for their retirement can use an account that allows their money to grow tax-deferred until retirement age. What's in it for you? Contributions may be tax-deductible1 Can be consolidated with other personal IRAs North Shore Bank Certificates of Deposit are FDIC insured Roth IRA Anyone, any age, with earned income who wants to save money for retirement, especially those who earn an income that exceeds the limits set for Traditional IRA deductibility, and want the ability to withdraw the money tax-free can use a Roth IRA. What's in it for you? Earnings may be able to be withdrawn tax-free2 Can be consolidated with other personal IRAs North Shore Bank Certificates of Deposit are FDIC insured No requirement to withdraw a minimum amount at any age Find an office near you. 1 Distributions taken prior to age 59½ are subject to an IRS penalty. Your contributions to a Traditional IRA may or may not be tax-deductible. Deductibility is determined by two factors, whether you actively participate in an employer-maintained qualified retirement plan and your modified adjusted gross income. (Consult your tax advisor) 2 Income limits affect eligibility to contribute. You can begin taking "distribution" withdrawals from a Roth IRA without paying taxes or penalties if you have held the account for at least 5 years, and have reached at least 59½ years of age. Unlike with a Traditional IRA, there is no requirement to withdraw a minimum amount at any age. (Consult your tax advisor) Can I mail a check for deposit into my account? Yes. Be sure to include a deposit slip and write your account number on the check. Find a North Shore Bank office, ATM or loan center near you. How much will it cost me to refinance my first mortgage? The specific cost of a mortgage refinance will vary by loan type. A mortgage often involves fees, such as the appraisal fee, title charges, credit bureau costs, closing fees, and state or local taxes. These fees vary from loan type. Learn about our mortgage home loans. Contact one of our knowledgeable mortgage lending experts to get a personalized quote. What are my closing costs for my mortgage? The specific amount of your closing costs will vary, there are a few reasons why: A home loan often involves fees, such as the appraisal fee, title charges, credit bureau costs, closing fees, and state or local taxes. These fees vary from loan type. Contact one of our knowledgeable mortgage lending experts to get a personalized quote. Can I be notified when mortgage/refinance rates are updated? You may view our interest rates at any time. You can also set up a rate alert to be notified when mortgage rates change. Mortgage Home Loans What is a Mortgage Note? A mortgage note (also known as a real estate lien note) is a promissory note associated with a specified mortgage loan; it is a written promise to repay a specified sum of money plus interest at a specified rate and length of time to fulfill the promise. Mortgage Home Loans How do I sign up for Mobile Banking? To sign up for Mobile Banking, install the North Shore Bank personal banking app by downloading directly from the Apple App Store or Google Play Store. When completing the enrollment form, you'll need the following information to create your account: Social Security Number Your 10 digit account number (checking or savings), including any leading zeros and excluding dashes Date of birth Zip code Once you have submitted this information, you will be able to create your unique username and password for your account and establish your security challenge questions. When your enrollment is complete, you will be able to access your North Shore Bank account information from our Mobile Banking app or Online Banking. How do I change my Online Banking password? To change your password for Online Banking you'll need to do the following: Log into your account and select the "Settings" option Click on the "Profile" group and select "Password" Enter the unique 4-digit secure code, from the verification alert sent to you via text message or phone call Follow the on-screen instructions to create a new password If you don't know your password then select the "Reset Password" option and follow the remaining instructions. How much does it cost to use Online Banking? Online Banking is FREE to all North Shore Bank customers and gives you a variety of services that help you use and manage your accounts, when and where you want. What's in it for you: View current account information Manage your money on the go with Mobile Banking, check your balance, deposit checks, review recent transactions, pay a bill and transfer money between your accounts Using Popmoney you can send money to friends and family with just their email address or mobile phone number Set up eAlerts to notify you when important events have taken place within your accounts Use Bill Pay to ensure your bills are paid on time every time View up to 18 months of statements when you sign up for eStatements Export or download transaction information to your preferred money management program such as Quicken® Take a tour of our online services. How do I deposit checks online? Depositing checks from your smart phone is available through North Shore Bank’s Mobile Banking app. Download our app today to get started. The app will ask you to perform tasks such as uploading images of your check. Manage your finances, no matter where you are. If you're an on-the-go person that wants quick and easy access to your finances no matter where you are, we offer a service that lets you do just that. Features: Deposit checks with Mobile Deposit View balances and make transfers between accounts Pay bills and send money to friends and family anywhere, anytime Locate North Shore Bank offices and ATMs Send SMS text message inquiries to quickly check the state of your accounts. A downloadable app for iPhone® and Android™. How do I set up automatic Bill Payment using Online Banking so the money is taken out the same time each month? You can schedule a recurring payment through Bill Pay that is paid from North Shore Bank checking account. Making bill payment fast, free, and (almost) fun! Our free personal online bill pay service is available for all North Shore Bank checking customers who use Online Banking or Mobile Banking that want to save the time, hassle and postage costs of paying bills by mail. What's in it for you: Free personal online bill payment service Eliminates all or most check writing and saves you money on postage Pay anyone or any company, from the kid that mows your lawn to the utility company Eliminate more paper mail with eBills and eStatements You must have a North Shore Bank checking account and Online or Mobile Banking Take a tour of Bill Pay's benefits To sign up for Bill Pay, simply log in to Online Banking or Mobile Banking to get started How safe is my account information online? It’s extremely safe. In fact, there are eight layers of security built into North Shore Bank’s Online Banking system, all designed to protect your personal and account information. These include: Your password Secure browsers and servers Secure Socket Layer (SSL) protocol 128-bit encryption Cryptography Special firewalls How do I get a copy of my statement? To get an online copy of your statement, log into Online Banking or Mobile Banking and access eStatements. Otherwise, you can visit your nearest North Shore Bank office to request a statement copy. I am having trouble logging into my accounts. My password and user name are being entered correctly. What else could it be? Verify that your browser is set to accept cookies, especially "session cookies". A cookie is a piece of data used inside the secure banking environment that allows you to proceed within your account without having to login every time you switch banking screens. Each browser has different methods of checking cookie settings. To find out how to set your browser to accept cookies, simply click on the “Help” menu in your browser's title bar and look in the help contents/index for “Cookies”. You should also make sure your browser is not blocking cookies from northshorebank.com (Online Banking) checkfreeweb.com (Bill Pay) Your browser must support 128-bit encryption, with Secure Socket Layer technology. Older versions may not allow you to access your Online Banking account. View a list of web browsers that are supported with Online Banking. How do I import my personal Online Banking transactions into my Quicken software? If you use Quicken to manage your finances, you can export your transactions into these software packages for your record-keeping and account reconciliation. Exporting Transactions from Online Banking and Importing into Quicken software: After logging into your personal Online Banking account, click on the account that you wish to export transactions from. From the "Transactions" menu, select "Export Transactions" Select the statement cycle or dates that you wish to capture, and choose the export file format .QFX for Quicken (2005+) .QIF for Quicken (2004 and older) Select the "Export" button to begin your download Within your Quicken software, select the import method that is appropriate for each file type. Please note that the .QIF file format may cause duplicate transaction entries if transaction dates overlap between what is currently entered in your management software. Additional information: How do I import a Quicken Transfer Format (.QFX) file? .QIF Import FAQs What do I do if I forgot my Online Banking password? To reset your password for Online Banking you visit the Reset Password page and follow the instructions in the email. Passwords must contain at least 9 and no more than 32 characters, both upper and lower case letters and at least one number. As a security precaution, avoid using previous passwords. How do I view my eStatements? You can view your statements in Online Banking by logging into your account, clicking on a specific checking, savings, or loan account, and then selecting "Online statements" from the Account Details page. To view your statements from the Mobile Banking app, tap the "Statements & documents" link (found under "Quick Links" after logging into your account. Take a tour of eStatements. How do I print or save my eStatements? To print or save your eStatement(s), locate the File menu in Adobe Reader and select either Save/Save As... or Print. If your eStatement opens through an Adobe Reader plugin in your browser, simply follow the same instructions to save or print it. How do I sign up for overdraft protection? To help prevent overdrafts from occurring, we offer Overdraft Protection, which will automatically transfer funds from another North Shore Bank account or home equity line of credit that you own to cover the overdrawn balance. Learn more about this service or visit your neighborhood North Shore Bank branch to sign up today. Do you offer business loans? We offer business loans. Please call one of our Business Loan Officers at an office near you. Find a North Shore Bank office, ATM or loan center near you. I can’t log into Business Online Banking If you have already been set up to use Business Online Banking and are a signer on the account, please try resetting your password. If you wish to have access to your business accounts through Business Online Banking, please contact 1-800-270-7956 to speak with our Treasury Solutions Team to get set up or stop in at your local branch to get started. Note: Only Signers on the account can request the set up of their account to Business Online Banking. Is a Business Banking App available for tablets (iPad and Android)? While we don't have a dedicated app for Android devices (phones or tablets),our Business Mobile Banking app can be installed and used on an iPad as well as iPhone and iPod Touch. To install the Business Mobile Banking app on an iPad: Search for North Shore Bank Mobile Business Banking in the App Store. When the app results appear, change the device-type from iPad Only to iPhone Only. This will present our Business Banking app to you for installation. Install the app and log into your Business Online Banking account. Because you'll be using the iPhone app on an iPad, certain functions, such as changing the screen layout from portrait to landscape, are not available. Do you offer credit card rewards? Yes, we offer rewards programs for our credit card holders. A variety of cards which provide you opportunities to earn rewards and other perks. Learn more about these different credit cards and enroll today! Where can I make contactless payments? Simply tap to pay anywhere you see the contactless symbol at checkout. This includes fast food restaurants, gas stations, grocery stores, pharmacies, stadiums and more. If you don't see the contactless symbol, your contactless-enabled card can still be used by inserting your chip or swiping at checkout. How does contactless technology work? Contactless technology uses a hidden, embedded computer chip and radio frequency antennae. After you tap your contactless card or mobile device at checkout, payment details are sent wirelessly to the payment network. If using a mobile phone, moments after you tap, you'll receive payment confirmation and be on your way. How will purchases appear on my monthly statement? Purchases made with contactless will be displayed on your account statement just like any other card purchase. How do I use my chip-enabled card to make purchases? It’s easy: At merchants who have chip-enabled readers, insert your chip card and sign or enter your PIN to authorize At merchants who are not yet equipped with the chip-enabled readers, simply swipe and sign your name or enter your PIN as usual For phone or online purchases nothing changes, simply provide your card information to complete your transactions as you do today What is a chip-enabled card? A chip-enabled card has a small microchip built into the card that stores the information that’s generally stored in a magnetic stripe. Chip transactions add another layer of security by requiring the chip to produce a single-use code to validate the transaction — further protecting your card from unauthorized use. Chip-enabled cards are also sometimes referred to as EMV cards or smart chip cards. Where can I use my chip-enabled debit card globally? Having a chip-enabled card allows you to use your card when traveling internationally because chip card readers are already standard in Canada, Mexico, South America, Europe and Asia. We also recommend that you carry an alternate method of payment, such as local currency, as a back-up. Please contact us before you travel in order to minimize any potential impact when you use your card. How do I add my North Shore Bank Debit Card to Google Pay? How do I manage my "My Cash Back Rewards" offers? Sign into your Online Banking or Mobile Banking account. Online Banking - On your Account Summary page, select “view all offers” in the My Cash Back Rewards section. Mobile Banking - On your Accounts screen, select "My Cash Back Rewards". Simply select on an offer to view the details and to activate it. I am seeing a ""Session Expired"" message when accessing eStatements. Verify that your browser is set to accept cookies, especially "session cookies". A cookie is a piece of data used inside the secure banking environment that allows you to proceed within your account without having to login every time you switch banking screens. Each browser has different methods of checking cookie settings. To find out how to set your browser to accept cookies, simply click on the “Help” menu in your browser's title bar and look in the help contents/index for “Cookies”. You should also make sure your browser is not blocking cookies from ibank.hepsiian.com. Business Services and Fees What do I need to open an account for my business? View our Business Account Opening Checklist to find out what you'll need to provide prior to opening a Business Banking account. I can’t access Online Banking from my favorites. The URL for Online Banking has changed and you will need to log into your account from northshorebank.com. Please remove the invalid bookmark and replace it with one for North Shore Bank’s home page. What are the minimum and maximum amounts I can shelter? The minimum deferral is $10.00 per pay period. The maximum deferral may change annually. As of tax year 2018, the maximum shall not exceed the lesser of 100% of “includable compensation” for the year or $18,500. What costs are involved in a deferred compensation plan? Since the inception of the North Shore Bank Deferred compensation program, the bank has assessed no service charges or administrative fees for funds allocated to a North Shore Bank Certificate of Deposit. A small annual asset fee is incurred when funds are allocated to the mutual fund options. Note: Our representatives may not give legal or tax advice. Please consult your attorney or tax advisor for answers to your specific tax questions. Your North Shore Bank 457(b) Plan can be funded by both FDIC Insured North Shore Bank certificates of deposit and/or non-Bank investments provided through TransAmerica Funds. Investments held in North Shore Bank CDs are FDIC insured. However, investments other than North Shore Bank CDs are NOT a deposit or other obligation of the bank or its affiliates; NOT insured by the FDIC or any other agency of the United States; are subject to investment risk, including possible loss of value. How are my Section 457 distributions paid to me when I retire? Distributions are not required at the time of retirement, but are required beginning in the year you attain the age of 70½ years. However, you may select to take your distribution at termination of employment as a lump sum, monthly, quarterly or annual payment. You may also choose to roll over your funds as permitted in your plan document. North Shore Bank will assist you in structuring your repayments to meet your individual needs and goals. May I participate in a Section 457 plan in addition to other retirement plans? You may participate in this plan in addition to Roth and Traditional IRAs as you qualify. Do you offer construction loans? North Shore Bank offers a wide variety of construction loans. View the Mortgage Home Loans that we offer. What insurance requirements do you have for auto loans? When you have an auto loan with North Shore Bank it is required that you carry full coverage that includes comprehensive and collision for the value of the loan. How long will it take to receive a vehicle title when I pay off my auto loan? 10 business days after the pay off funds are received we will send the lien release or title for loans made prior to 7/30/12. If the loan was made after 7/30/12, then the lien will be released electronically and the state will send you the title. How long will it take to receive a vehicle title when a customer pays their auto loan off? 10 business days after the pay off funds are received we will send the lien release or title for loans prior to 7/30/12. If the loan was made after 7/30/12, then the lien will be released electronically and the state will send you the title. How is the rate determined for my Home Equity Line of Credit? The rate for your Home Equity Line of Credit is based on the prime rate plus an established margin determined by your individual line of credit. The rate on your line of credit changes on the 1st day of the second month following any prime rate change. If your line of credit was opened prior to Jan. 1, 2006, it is based on the prime rate published in the Wall Street Journal Money Rates section on the third Tuesday of the month. If your line of credit was opened on or after Jan. 1, 2006, the rate on your line of credit will change when the prime rate changes in the Wall Street Journal. Apply for your motorcycle loan online today What happens to payments made on the online loan payment service after 5:30 PM on Friday, Saturday, and Sunday? Payments made after 5:30 PM on Friday through the weekend (Saturday and Sunday) will be processed on Monday. The payment will be timestamped with the date that the payment was submitted on.For example, when you make a payment on a Saturday, it will be posted with that day as the payment date, even though the payment is part of the Monday process. What is the daily cut-off time to make a payment that will get posted towards the current business day activity? The daily cut-off time to submit a payment is 5:30pm Central. What is the maximum payment amount that I can submit through the online loan payment service? The maximum-allowed payment through the online loan payment service is $4,000. Will I be charged a fee for submitting a payment through the online loan payment service? No, you will not be charged a fee for making a payment through the online loan payment service. Can I submit a lease payment through the online loan payment service? Lease payments cannot be made through the online loan payment service. Can I pay off my Home Equity Loan or mortgage through the online loan payment service? With home based loans you will still need to receive a pay off request and will not be able to use our online loan payment serivce to pay off your Home Equity Loan or Mortgage Loan. Can I set up and make recurring loan payments online? Some loan customers can choose to register for our online loan payment service. Once you sign up and create an account, you will be able to access additional features such as scheduling recurring payments. Why did I receive an eBill when I did not initiate it? This is an invitation for you to explore the convenience and benefits of receiving your bill at the same place where you currently pay your bill. During this introduction you will be provided with an electronic bill while continuing to receive a paper bill. If you like the convenience of electronic billing you can decide to stop receiving paper bills. What account number should I provide when registering to pay my loan online? When registering online to pay your North Shore Bank loan or mortgage, you will need to provide the account number for the loan/mortgage that you will be making a payment for as well as the account and routing number from the account you will be funding your payment from. How far in advance can I schedule a payment with Bill Pay? Payments can be set up as much as 365 days in advance. Recurring payments can be scheduled to occur over any time period in the future, including indefinitely. What are eBills? eBills are an important part of our online bill pay product. These are simply bills that are delivered electronically to you, rather than mailed. When I receive an eBill, how do I pay it? You can pay an eBill just like any other online bill payment. Or you can choose to have your eBills paid automatically with Auto-Pay (under a certain dollar amount). Will I still receive a paper bills in the mail with eBills? Once you request to receive eBills from a business, you will no longer receive a paper bill. However you can print a paper copy of any eBill, if you like. How long will my eBills be available online? Your bills, statements, and notices are available online for six months from their arrival date. How do you know when I have new eBills to pay? When you log on, you will see the number of new eBills, statements, and notices you’ve received. You will also receive a reminder email to notify you of new eBills in your account mailbox if they have not been viewed within four days of delivery. When will I receive my eBills each month? Most businesses use the same billing cycle as mailed bills, so you can expect to receive your bill at approximately the same time of the month that you currently receive your paper bill – without the postal delay. How much do eBills cost? There is no charge for receiving eBills through our bill pay service. How do I get started receiving eBills? Enrolling in eBills is quite easy. Log in to Online or Mobile Banking, and from the Bill Pay home page, you can choose from a list of Billers that offer eBills (indicated by an eBill icon). Just click the eBill icon next to the Biller name, and follow the on-screen prompts to complete sign up. How fast are Bill Payments delivered? Payments to electronic payees are delivered in approximately 2 business days. Payments issued by check are delivered in approximately 5 business days. When you schedule a payment, the payment calendar indicates the earliest available payment date. What type of account is required for Bill Pay? Bill Pay can only be used with a checking account. You must also enroll in Online or Mobile Banking to access Bill Pay. Why get pre-approved before shopping for a home? Getting pre-approved with North Shore Bank is a great first step for homebuyers. In just a few minutes online, you’ll have your credit evaluated and learn how much money you have available to buy a home – no cost, no obligation.Even better, you’ll receive a pre-approval letter that lets you move fast when the right home comes along. That can be a big advantage in a competitive housing market, where the best homes often get multiple offers the same day they’re listed.With pre-approval in hand, you can:Shop with confidence, knowing what you can afford and having the freedom to focus on a great homeShow real estate agents that you’re ready to buy, resulting in hot leads on homes just coming on the marketOffer sellers a fast and easy sale, setting your offer apart from other buyersAbove all, pre-approval gives you options. You can always go to another real estate agent or offer sellers a “take it or leave it” price in hopes of a great deal. And it only takes a few minutes to begin. Get pre-approved today and you’re on your way.Featured GuidanceDo you have first time homebuyer programs?What kinds of mortgages does North Shore Bank offer?How can I get the best mortgage rate?How can I improve my chances of getting a mortgage?Is a fixed rate or adjustable rate mortgage best? What happens after I apply for a mortgage? As soon as you complete your online mortgage application, one of our loan originators will review your request. Here’s what happens next: Our loan originator will contact you to answer questions or get any extra information needed for your application A North Shore Bank application kit will be sent to you for completion while we prepare your loan for closing We’ll schedule an appraisal of your new home, using an experienced local professional To settle your home’s title insurance, we’ll work with your real estate agent or seller Upon receiving your application kit, the home appraisal and title work, we'll contact you to arrange a closing date Before closing, your loan originator will review everything with you so there are no surprises We’ll schedule your closing with the real estate agent and seller at the office of our local agent You’ll take ownership of your new home At every step, a North Shore Bank loan originator will provide you with constant status updates and the fast turnaround you want. To see for yourself, get pre-approved today at no cost. Featured Guidance How can I get the best mortgage rate? Why get pre-approved before shopping for a home? Are there tips I can use for faster closing? Can I refinance my current mortgage? Are there other products at North Shore Bank that can enhance my mortgage? Why get a home equity line with my mortgage? Why get a home equity line with my mortgage? Home ownership is full of unscheduled expenses. There’s no landlord to shoulder the costs when your roof leaks or the furnace needs immediate replacement. A home equity line of credit lets you budget for these challenges.If offers:Instant buying power, no questions asked Easy access with funds transferred directly to your North Shore Bank checking accountCan provide lower interest rates than credit cards Getting Started with Your Home Mortgage Discover a variety of home financing options, including: Fixed rate mortgages that securely lock in one low-interest rate and monthly payment over the life of your loan Adjustable rate mortgages that can make a great home more affordable with lower upfront payments Primary home mortgages with terms ranging from 3 to 30 years Home equity loans and lines of credit that let you finance improvements or get needed cash, using the value of your current home No closing cost loans and non-qualified mortgage loans Commercial and multi-family mortgage loans Get started by asking the following questions: Do you have first-time homebuyer programs? What kinds of mortgages does North Shore Bank offer? How can I get the best mortgage rate? Why get pre-approved before shopping for a home? How can I improve my chances of getting a mortgage? Apply for your mortgage loan. Mortgage Interest Rates What is the maximum mortgage amount I can apply for? Do your taxes the smarter way with TurboTax®. Start now for FREE! Will my maturing CD still have a 10-day grace period? Yes, but at maturity if you decide to reinvest in a North Shore Bank CD your new CD will follow North Shore Bank’s grace period which is a 7-day grace period. Where can I access tax forms online? At this time all interest information will be sent to you through the United States Postal Service or by inquiring at a nearby office. When will you send my tax forms? Tax forms will be sent by January 30. What is ChexSystems? The ChexSystems, Inc. network is comprised of financial institutions that regularly contribute information on mishandled checking and savings accounts to a central location. ChexSystems shares this information among institutions to help them assess the risk of opening new accounts. ChexSystems only shares information with the financial institutions and does not decide on new account openings. Do you offer VA or FHA loans? North Shore Bank offers FHA and VA loans in the state of Wisconsin and Illinois. Mortgage Home Loans Do you have any deals for first-time home buyers? Yes, we offer first-time home buyers programs. The first step is to start an online application that will ask you questions about your home and finances. After completing your application, a Loan Officer will contact you and will provide you with the assistance you need to find the best loan option for you. Your Loan Officer will be available to you at every stage of this process. Mortgage Home Loans Can I delete my escrow account? All loans in excess of 80% loan-to-value will require an escrow account be established. Can I pay my own real estate taxes and homeowners insurance if my mortgage is through North Shore Bank? Loan amounts with a loan-to-value greater than 80 % require an escrow account for the payment of real estate taxes and insurance. Borrowers with a loan-to-value less than 80% may request to waive the escrow account requirement and pay these items themselves with the lenders approval. Can I roll my closing cost fees into my loan? It is possible if the loan requested is a refinance and there is sufficient equity to meet the loan-to-value (LTV) ratio requirements. Do I need to provide you with proof of my Homeowners Insurance? Yes, all properties secured by a mortgage require proof of homeowners insurance. If your property is located in a flood zone, we will require proof of flood insurance coverage. What is a mortgage loan? Likely the largest debt you'll ever take on, a mortgage is a loan to finance the purchase of your home.Your home is collateral for the loan, which is also a legal contract you sign to promise that you'll pay the debt, with interest and other costs, typically over 15 to 30 years. To repay the debt, you make monthly payments that typically include the principal, interest, and taxes. Mortgage Home Loans What is an escrow account? An escrow account is established to hold money collected by your lender to pay your hazard insurance and property taxes when they become due. Lenders usually require escrow payments every month to ensure that they have enough to pay the insurance and taxes for you. What is Freddie Mac? Freddie Mac is a public government-sponsored enterprise that purchases conventional mortgages from insured depository institutions and HUD-approved mortgage bankers. What is the Truth-In-Lending Act? The Truth in Lending Act (TILA) of 1968 is a United States Federal Law designed to protect Consumers in credit by requiring clear key terms of the arrangement and all costs. The sole purpose is to promote the informed use of credit by requiring disclosures about terms and costs to the consumer. When is my mortgage payment posted to my account? Your payments are credited when your transaction is recorded by the bank - usually the same day the payment is received. We are unable to consider a payment deposited in our night depository as received until it is actually posted to your account. Likewise, a postmark date is not considered to be the date of receipt. Payments received 15 days after the due date are subject to late fees in accordance with your mortgage agreement. What happens if I send in a mortgage payment that is less than the full monthly payment due? Your mortgage agreement requires that you make full monthly payments. Therefore, any amount less than the current month's full payment will be placed in an Unapplied Payment Account and held until there are enough funds to pay the mortgage payment and late fee, if applicable. A partial payment could cause your mortgage account to be considered delinquent and therefore subject to late fees. What is an escrow analysis? An escrow analysis, performed annually, ensures that the sum of your monthly escrow payments is sufficient to cover all items that are to be paid from your escrow account such as real estate taxes and home insurance. The analysis shows if your escrow account has funds left over or is short of funds after all disbursements are made. If taxes or insurance rates have risen during the year, your monthly escrow amount will rise as well. If they have dropped, your escrow payment may decrease.Because escrow analysis usually is done in February, any escrow payment changes likely would take effect with your April payment. How is an escrow shortage collected? Escrow shortages are collected over the next year. One-twelfth of the shortage will be collected each month, most likely beginning in April. When will I receive a refund of my escrow overage? If the overage amount is equal to or greater than $20 and your loan is current, a check for the refund will be forwarded to you within 30 days of the escrow analysis. If the overage is less than $20, it will remain in your escrow account. I received a check from my insurer covering the loss to my property, and it is payable to both the bank and me. What do I need to do next? If the repairs have been completed, the bank may need to make an inspection to confirm that the repairs have been completed before releasing the check. In addition, we will need to be supplied with the insurance company's proof of loss, if not previously sent, and contractors' lien waivers, if applicable. If this happens to you, please contact Mortgage services. I tried to perform a transfer through the EASY ACCESS line, but it didn't go through. Why not? There could be several reasons. There may be no funds currently available in your account or one of the accounts involved could be a passbook savings account, which does not permit such transactions. Contact a Loan Officer Where can I find a listing of your Mortgage Loan Originators? Adjustable Rate vs. Fixed Rate Loan Calculator How do I log off of Online Banking? To log off of Online Banking select the ""Log Out"" option. How do I sign into Online Banking? To log in to Online Banking you must: 1. Go to northshorebank.com.2. Enter your username (If you have forgotten your username you must contact us by phone).3. Enter your password (if you have forgotten your password, you can select the "forgot password" option. An email will be sent to you with instructions on how to reset your password). How do I determine what browser I am using? To determine what browser and version you are using, follow these simple instructions - open your browser, click onto “Help” at the top, select “About”. Help will display the version of the browser you are using. View a list of web browsers that are supported with Online Banking. How do I upgrade my Internet Explorer browser? To update your browser go to https://updatemybrowser.org. View a list of web browsers that are supported with Online Banking. What are cookies? There are two types of cookies: temporary and permanent. Temporary cookies are used and tracked by the browser to pass information and are deleted once the browser is shut down. Permanent cookies are stored on your system and can be accessed again for multiple visits. Permanent cookies usually have an expiration date and will be automatically deleted from your system at that time. Online Banking uses temporary cookies and may use permanent cookies, but never passes private information through cookies. What is 128-bit encryption and what is it? 128-bit encryption refers to the size of the key used to encrypt the message. A longer key means the encryption is more "random," and someone attempting to decipher the message will have to try more combinations of keys. Each extra bit in a key doubles the complexity of the key.Encryption takes plain text and creates an algorithmic scheme that encodes to a non-readable form to provide privacy. How do I sign up for Online Banking? You can sign up for Online Banking from your desktop computer, tablet device, or smartphone. Sign up through a desktop, tablet or smartphone Web browser. When completing the enrollment form, you'll need the following information to create your account: Social Security Number (SSN) Your 10 digit account number (checking or savings), including any leading zeros and excluding dashes Date of birth Zip code Once you have submitted this information, you will be able to create your unique username and password for your account, establish your security challenge questions and set up a phone number for receiving verification codes to verify your identity. When your enrollment is complete, you will be able to access your North Shore Bank account information from either Online Banking or our Mobile Banking app. What are the password guidelines for Online Banking access? There are just a few guidelines you must follow when selecting and using your password. These include: Your password must be at least 9 but no more than 32 characters long. Your password is case sensitive, so check to see if your caps lock key is on or off. (You can use either all caps, all lower case or a mixture.) Also, your password cannot read the same forwards and backward (i.e., "race car"). How often is the activity and balance updated on my Online Banking accounts? The balances for your accounts are updated every time you log in to your accounts online. How do I connect my Online Banking or Business Online Banking account to Mint.com or QuickBooks Online? If you use Mint.com or QuickBooks Online (QuickBooks.com) to help you manage your personal or business finances, you can connect your Online Banking or Business Online Banking account(s) to these services through the following steps. After logging into your Mint.com or QuickBooks.com account, select the appropriate action (add/connect account). The wording of this option varies by service. In the provided search field, enter "North Shore Bank" and press the search button. Select the appropriate North Shore Bank online service that you wish to establish a connection with: North Shore Bank (Online Banking) Begin the account linking process by providing your username and password for the appropriate Online Banking service that you are adding to your Mint.com or QuickBooks.com profile and select "Continue"/"Log In". If prompted to answer a challenge question, please supply the appropriate answer and continue. Within a few moments, your North Shore Bank Online Banking or Business Online Banking account will be linked to your Mint.com or QuickBooks.com profile. How do I connect my personal Online Banking account to Quicken? Launch Quicken and select the option to add a new Checking/Savings account. In the search field provided, type in “North Shore Bank”. You will see multiple results returned. Be sure to select “North Shore Bank FSB” and select Continue. You will now be promoted to log into your bank’s website, download a file of transactions, and place that file into the Quicken setup window. Perform these steps and select Continue. Please note that you will need to export/download a .QFX/Web Connect file. After the file has been downloaded, customize your Quicken settings for this account. When you’re satisfied, select Continue. You can either add additional Checking/Savings accounts at this time, or complete setup, by selecting the appropriate action. To import future transactions, locate the Accounts menu item and select Update All Online Accounts. This will provide you with a window detailing the last import date, along with other transaction details. Selecting the Update option next to the appropriate account will send you to northshorebank.com, where you can log into your Online How secure is my information in Online Banking? The information in your Online Banking account is very secure. We use multiple layers of security to protect your information including:Password protectionInternet firewalls128-bit encryptionMultifactor authentication How do I set up SMS eAlerts through Online Banking? Before you can set up SMS eAlerts in Online Banking, you will need to enroll in Mobile Banking and enable Alerts within your Mobile Banking settings. After this has been completed, you can select the “Mobile” option when creating or editing an eAlert. Visit your Mobile Banking settings to get started today! How do I remove saved passwords from my web browser? Google Chrome Microsoft Internet Explorer Apple Safari View a list of web browsers that are supported with Online Banking. Google Chrome Remove a saved password. You can make Chrome forget specific passwords or clear all saved passwords at any time. On your computer, open Chrome. At the top right, click More Settings. At the bottom, click Show advanced settings. Under "Passwords and forms," click Manage passwords. A box will appear with a list of saved passwords. In the "Saved passwords" section, select the website and click Delete . Click Done. Stop asking to save passwords. By default, Chrome offers to save your password. You can turn this option off or on at any time. On your computer, open Chrome. At the top right, click More Settings. At the bottom, click Show advanced settings. Under "Password and forms," uncheck the box next to "Offer to save your web passwords" or "Offer to save passwords with Google Smart Lock for Passwords." To offer to save passwords again, check the box next to "Offer to save your web passwords" or "Offer to save passwords with Google Smart Lock for Passwords." Make Chrome ask to save passwords again. If you told Chrome to never offer to save your password for a specific site, but you change your mind, you can bring back the option. On your computer, open Chrome. At the top right, click More Settings. At the bottom, click Show advanced settings. Under "Passwords and forms," click Manage passwords. A box will appear with a list of saved passwords. In the "Never saved" section, select the website and click Delete . Click Done. If Chrome isn't asking to save any passwords anymore, you may have asked it to stop saving passwords. Bring back the prompt by turning "Offer to save passwords" back on. Microsoft Internet Explorer Remove just one saved password. Go to the login page and type the first letter of the username into the name field. In the drop-down list, select the name by putting the pointer on it. Hit the Delete key and answer "yes" to the dialog. Apple Safari Remove just one saved password. From the Safari menu, select Preferences Select the Passwords tab Locate and select the website for which you want to delete a saved username/password Press the Remove button and confirm the deletion request How do I remove bookmarked websites from my web browser? Google Chrome When you want to delete a bookmark, you can do so in Google Chrome in two different ways: by deleting it directly through the Bookmark Manager, Chrome's name for its native bookmark organizer tool, or through the bookmarked page itself. In addition, Chrome also gives you the ability to reverse the deletion of a bookmark through its Bookmark Manager, just in case you accidentally delete the wrong bookmark. Open the Chrome menu, hover your mouse over "Bookmarks" and click "Bookmark Manager." Hover your mouse over the bookmark you want to delete and click the downwards arrow on the right side of the bookmark. Click "Delete" from the drop-down menu to delete the bookmark from Chrome. Click "Organize" followed by "Undo Delete" in the drop-down menu to undo the deletion of a bookmark. However, once you close the Bookmark Manager, you can no longer undo a bookmark's deletion. Tip You can also remove a bookmark by navigating to the bookmarked site in Google Chrome, clicking the icon of a yellow star in the address bar and clicking "Remove." The yellow star will change to an empty star, signifying that Chrome removed the saved website. Microsoft Internet Explorer Right-click on any bookmark and select "Delete." You can right-click a bookmark and select "Delete" to permanently delete it. You can do this for bookmarks in your bookmarks bar, the bookmarks manager, or the list in the "Bookmarks" section of the Chrome menu. You won't be asked to confirm that you want to remove the bookmark. Apple Safari Right-click on any bookmark and select "Delete." You can right-click a bookmark and select "Delete" to permanently delete it. You can do this for bookmarks in your bookmarks bar, the bookmarks manager, or the list in the "Bookmarks" section of the Chrome menu. You won't be asked to confirm that you want to remove the bookmark. Note: Some browser versions vary slightly or significantly in the process What do the two balance columns represent in Online Banking? When viewing your account balances from the list view within Online Banking, two balance columns will be displayed to you. The first (left) column represents your available balance and the second (right) reflects your current balance. Available balance indicates the amount of money you can withdraw or transfer. Current balance factors-in any on-hold or pending deposits. What are the username and password requirements for Online Banking? Username Requirements Use a minimum of 6 characters Contain at least one letter Cannot contain a space Password Requirements Use a minimum of 9 characters in random sequence Contain at least 1 upper case letter Contain 1 lower case letter Contain 1 number Can I change my statement date? You are not able to change your statement date. How do I change my email address for my eStatement delivery? You can update your email address from within your Online Banking account. After logging in, click the “Settings” button. Then choose “Profile” and then the “Email and Phone Number” section to change your email address. NOTE: After you've updated your email address, please log in to eStatements immediately to complete the change. How will I be alerted that my eStatement is ready? When your eStatement is ready, you will receive a notification email directing you to log in to your account to view the new statement. What are the browser requirements for Online Banking? What versions of iOS are compatible with Mobile Banking? How do I change my Online Banking challenge/security questions? The following steps will help you change your Online Banking security questions:Log into your Online Banking account.Click on the "Settings" menu item.Click on "Security/Alerts" and then select "Security Questions".After you answer the question that is presented, you will be able to change/modify your list of security questions. Is there a fee to participate in North Shore Bank’s My Cash Back Rewards? No, there is no fee to participate. Where can I view my North Shore Bank My Cash Back Rewards offers? Your My Cash Back Rewards account information is available in both Online Banking and Mobile Banking. When logged in, you can view a summary of all new, active and earned offers. Is there a maximum number North Shore Bank My Cash Back Rewards offers I can activate and redeem at one time? No, there is no maximum. If I activate a North Shore Bank My Cash Back Rewards offer and use my eligible card at the retailer before the offer expires, when will I get my points? Normally, points will be rewarded for all earned North Shore Bank My Cash Back Rewards offers at the end of the month following the qualifying purchase. Do you have a list of foreclosed homes? North Shore Bank does not list properties that we currently own. MoneyPass ATM network COVID-19 Updates (As of 12/30/20) What is the Easy Savings program? North Shore Bank offers a Business Debit Card Reward program and when a Business signs up for the Easy Savings program, you will receive an automatic rebate posted to your card’s account when you use your North Shore Bank Debit Mastercard at any of the participating merchants. SBA Paycheck Protection Program (PPP) Loan Forgiveness What is the routing number or ABA number for North Shore Bank? North Shore Bank’s routing/ABA number is 275071356. ABA numbers are also called Routing numbers. What is your SWIFT code? 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. What are some common scams I should be aware of and what steps can I take to avoid them? How can I learn more about North Shore Bank's Security Statement? How can I protect myself from identity theft? What are some top financial tips security tips I should be aware of? How secure is North Shore Bank's online banking service? What are your hours? How often will I be required to enter a secure code? You will receive the verification alert that contains your secure code any time you need to be authenticated, such as when changing personal information. The verification alert process is driven by both your IP address and the cookies on your browser. If you switch computers or browsers, or clear your cookies, you will receive the verification alert, and will be prompted to enter the 4-digit secure code. Can I use the same secure code every time? No. A new, unique secure code will be sent to you via a verification alert each time it is required. The text code I received is not working You will receive your text (SMS) verification code from 720-80. Please make sure you’ve entered the entire 4-digit secure code that was sent to you from this number. To have a new code sent, click on Send a New Code within the Enter Verification Code prompt. As a reminder, do not share this four-digit code with anyone. I’m locked out of my Online Banking account? What should I do? If you have five unsuccessful login attempts, you will be locked out. Please contact Customer Support for assistance. You will be required to provide additional verification by phone. Can I share my Online Banking username with another person/account holder? For your account security, shared Usernames are not permitted. Please use the Online Banking Enrollment Process to create a unique Username for each person. As a reminder, do not share the 4-digit secure code with anyone. How long do the temporary passwords for Business Online Banking last for? Temporary passwords in Business Online Banking last for 180 Days. How do I connect my Business Online Banking account to my QuickBooks software? Launch QuickBooks and select the option to setup Online Banking Setup. This is found under the Banking menu, by selecting Online Banking Setup. In the search field provided, type in “North Shore Bank”. You will see multiple results returned. Be sure to select “North Shore Bank FSB-QB DC” and select Next. You will be prompted to log into your Business Online Banking account at North Shore bank to complete the process. Follow the on-screen instructions to finish setting up Business Online Banking access. After the connection has been established and transactions have been downloaded, you may customize your QuickBooks settings for this account. When you’re satisfied, select Continue. The next time you launch QuickBooks, your recent transactions will be automatically downloaded. Can I use QuickBooks Self-Employed? Yes, you can connect both your Personal Online Banking and Business Online Banking accounts to QuickBooks Self-Employed. Business Online Banking Quick Tips ACH Instructions for Business Online Banking Remote Deposit Capture Setup Instructions Remote Deposit Capture Scanner Driver Installation Instruction (Edge and Chrome Browsers) Remote Deposit Capture Scanner Driver Installation Instruction (Firefox) Can I cancel my insurance? Yes. However before you cancel, please consider the importance of protecting you and your household from the financial hardship of lost wages caused by either a death or disability. By continuing with the coverage, you will continue to have the protection that you currently have today. Get an instant life insurance quote today. How do I use Zelle®? You can send, request, or receive money with Zelle. To get started, log into North Shore Bank Online or Mobile Banking, navigate to Bill Pay and select "Send Money with Zelle<sup>®</sup>" and you're ready to start sending and receiving with Zelle. To send money using Zelle, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes1. To request money using Zelle, choose "Request," select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request"3. To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle." 1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. 3 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Someone sent me money with Zelle®, how do I receive it? If you have already enrolled with Zelle, you do not need to take any further action. The money will be sent directly into your bank account, and will be available typically within minutes1. If you have not yet enrolled with Zelle, follow these steps: Click on the link provided in the payment notification you received via email or text message. Select North Shore Bank. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle using that email address or U.S. mobile number where you received the notification to ensure you receive your money. 1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. What types of payments can I make with Zelle®? Zelle is a great way to send money to family, friends, and people you are familiar with such as a personally trainer, babysitter or neighbor2. Since money is sent directly from your bank account to another person's bank account within minutes1, Zelle should only be used to send money to friends, family, and others you trust. Neither North Shore Bank nor Zelle offers a protection program for any authorized payments made with Zelle - for example, if you do not receive the item you paid for or the item is not as described or as you expected. 1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. 2 Must have a bank account in the U.S. to use Zelle. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. How do I get started with Zelle®? It's easy -- Zelle is already available within North Shore Bank's Bank Online and Mobile Banking within Bill Pay! Log in to Online or Mobile Banking and follow a few simple steps to enroll with Zelle today. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. What if I want to send money to someone whose financial institution doesn't offer Zelle®? You can find a full list of participating banks and credit unions live with Zelle here. If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS. To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. How does Zelle®work? When you enroll with Zelle through your Online or Mobile Banking Bill Pay account, or mobile banking app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared - those stay with North Shore Bank). When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its "directory" and notifies North Shore Bank of the incoming payment. North Shore Bank then directs the payment into your bank account, all while keeping your sensitive account details private. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Can I use Zelle® internationally? In order to use Zelle, the sender and recipient's bank accounts must be based in the U.S. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. How long does it take to receive money with Zelle®? Money sent with Zelle is typically available to an enrolled recipient within minutes1. If you send money to someone who isn't enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will be available in your recipient's account, typically within minutes1. If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number. If you're waiting to receive money, you should check to see if you've received a payment notification via email or text message. If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number. Still having trouble? Please contact North Shore Bank Customer Support at 877-672-2265. 1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Is my information secure with Zelle®? Keeping your money and information safe is a top priority for North Shore Bank. When you use Zelle within Online or Mobile Banking, your information is protected with the same technology we use to keep your bank account safe. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. I'm unsure about using Zelle® to pay someone and I don't know. What should I do? If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle for these types of transactions. These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither North Shore Bank nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. What if I get an error message when I try to enroll and email address or U.S. mobile number in Zelle®? You can transfer your email address or U.S. mobile phone number in Zelle. During enrollment, you'll see a prompt notifying you that the email address or mobile phone number is already enrolled at another financial institution. You'll be asked to confirm that you want to complete the transfer and then to verify your email address or U.S. mobile phone number. If you experience issues transferring Zelle to North Shore Bank, contact North Shore Bank Customer Support at 877-672-2265. Once the system or Customer Support moves your email address or U.S. mobile phone number, it will be connected to your North Shore Bank account so you can start sending and receiving money with Zelle through North Shore Bank Online or Mobile Banking Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. What happened to Popmoney? Zelle replaced Popmoney. What is the difference between using Zelle in Online or Mobile Banking vs. using the Zelle app? North Shore Bank partners with Zelle to offer a unique experience conveniently located in North Shore Bank Online and Mobile Banking. There is also a separate Zelle mobile app that is not operated or maintained by North Shore Bank or any other financial institution. Instead, it is owned and operated by Early Warning Services LLC. If you use the separate Zelle mobile app, you will be subject to separate terms and conditions not related to North Shore Bank. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. SBA Paycheck Protection Program (PPP) Application Process View All Still have questions? Ask Contact us with additional questions: Email | 877-672-2265 CONTENTEND
