Personal Checking Account Interest Rates

The following personal accounts can be opened online: 
• Individual or joint checking, savings and money market accounts

The following accounts cannot be opened online. Please visit your nearest branch to open:
• Any account for a minor (under the age of 18)
• Certificates of Deposit (CDs) 
• Health Savings Accounts (HSAs)
• Individual Retirement Accounts (IRAs)
• Trust Accounts 
• Custodial Accounts 
• Business Accounts 

New customers click here to get started. 

If you currently have a personal deposit account or loan with North Shore Bank, log into Online Banking  to open your new account. You will save time and the process will be more efficient. 

If you’d like to open a business account, please contact a North Shore Bank Business Banker.

North Shore Bank is required to obtain a one-time authorization from you to authorize and pay overdrafts for North Shore Bank ATM or everyday debit card transactions, and in exchange will charge an overdraft fee for this service. This is referred to as Extended Debit Card Coverage.

If you decline or do not give consent for this coverage, one of the following two events will occur if there are insufficient funds to cover North Shore Bank ATM and everyday debit card transactions:

• The transaction will be declined.
• Certain debit card transactions will be paid, but North Shore Bank is not permitted to charge an Overdraft Fee. 

You may change your election at any time by contacting us.

Learn more about Extended Debit Card Coverage.

Overdraft Protection
When you make a withdrawal that results in a negative balance in your checking account, Overdraft Protection services may help prevent an overdraft by automatically transferring funds to your checking account from another eligible deposit account or Home Equity Line of Credit you have at North Shore Bank for a fee or finance charge. Overdraft Protection services apply to all transactions.

Overdraft Protection is a great way to protect against the large fees merchants may charge for returned checks, and it's available for just a small fee. If you would like to sign up for Overdraft Protection, please visit your nearest North Shore Bank location. 

Overdraft Privilege
Overdraft Privilege allows you to overdraw your account up to a preset limit for a fee in order to pay a transaction. This limit is set by North Shore Bank. Even if you have Overdraft Protection, Overdraft Privilege is still available as secondary coverage if the Overdraft Protection source is exhausted. North Shore Bank has the discretion to pay overdrafts on accounts in good standing and any payment is a discretionary courtesy, and not a customer right nor an obligation of North Shore Bank. North Shore Bank can stop paying overdrafts at any time without prior notice of reason or cause.
 
Learn more about Overdraft Protection and Overdraft Privilege. 

When opening a deposit account online, you can choose to upload a photo of your driver's license to assist with prefilling your personal information. In addition, to assist with verifying your identity, you can also upload a photo of yourself.  You are not required to supply an image of yourself or your drivers license, however, for security reasons, it is recommended to help make the application process more efficient. If you choose to supply these images, we retain them with your online application. 

If you have trouble uploading the images, you can manually enter in your personal information. Some tips to keep in mind when taking a picture of your photo ID include:
• Ensure the ID fills the complete frame size on your screen
• Place your ID on a dark surface
• Ensure you have ample light

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.

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.

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.

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).

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.

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.

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. 
 

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.

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.

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.

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.

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