Does the 4 Percent Rule Still Work?

How well does this long-trusted rule of thumb still hold up?

Does the 4%25 Rule Still Work? If you’re well along the road to retirement, you’ve probably heard about the 4 percent rule in some capacity. This guideline for making withdrawals in retirement has been confirmed through extensive study and practice over the past 20 years, but there’s cause enough to question whether this strategy is still valid today given the increasing financial demands put on retirees.

What is the 4 percent rule?

In 1994, financial advisor William P. Bengen published “Determining Withdrawal Rates Using Historical Data,” in which he concluded that the average satisfactory withdrawal from the portfolio of a 60 to 65-year-old retiree would be about 4 percent. In every year after the first, that individual would adjust the amount withdrawn based on inflation.

Bengen reached this conclusion by testing the 4 percent rule against three major financial events: the recession of 1973-74, the stock market decline of 1937-41 and the early Great Depression years of 1929-31. He found that there was no historical instance in which a 4 percent withdrawal annually adjusted for inflation would exhaust the funds of a retirement portfolio before 33 years, adding that most portfolios following this method could be drawn from for 50 years or more.

Four years after it was published, Bengen’s rule was confirmed and popularized in “Retirement Savings: Choosing a Withdrawal Rate That Is Sustainable,” a study conducted by Trinity University professors Philip L. Cooley, Carl M. Hubbard and Daniel T. Walz. The authors of the Trinity Study re-confirmed their findings in 2011 with the publication of “Portfolio Success Rates: Where to Draw the Line.”

In 2006, Bengen revised his findings in his book “Conserving Client Portfolios During Retirement,” where he posted that the safe maximum withdrawal for retirees was actually closer to 4.1 percent on taxable funds and 4.5 percent on tax-free funds withdrawn from a Roth IRA or 401(k).

Does the 4 percent rule still work?

It’s important to understand that the 4 percent rule is a rule of thumb. As Investopedia notes, this means that it is more of a guideline or general principle that can and should often be taken with a grain of salt. Bengen himself confirms as much, telling blogger Early Retirement Dude in August 2017: “I like to remind people that the 4.5 percent rule is not a law of nature, like Newton’s laws of motion, which will probably never change. Markets can change, and it is possible that in the future the 4.5 percent rule, which has held up for 50 years, might be violated. But I haven’t seen those circumstances yet.”

The Motley Fool’s Maurie Backman points out that this particular rule of thumb will not apply to your portfolio without about a 50-50 or 60-40 mix of stocks and bonds. If you heavily favor bonds or stocks, then the rule may actually be counterintuitive to your retirement aims.

As far as the 4 percent rate itself, critics of the rule are split. Paula Pant of The Balance suggests using the more conservative 3 percent rule, which reduces the risk of overextension on a longer timeline. Backman, on the other hand, suggests that the trend of people working into their 70s shortens the retirement window, rendering the 4 percent rule too conservative. Dana Anspach writes for the Balance that the 4 percent rule no longer applies after the age of 70.5 due to mandatory minimum distributions from your IRA.

While the 4 percent rule is not hard and fast, Backman agrees that it serves as a solid starting point for retirement planning. There are a multitude of factors at play in determining what works best for you, including the amount you’ve saved and the diversity of your portfolio. The best approach is to seek the input of a trusted financial advisor as you start barreling down on retirement and have them guide you toward the best rule by which you can live most comfortably.

Talk to one of our retirement experts who can help answer questions and offer insight.

Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with North Shore Bank or its related companies. Investments are: • Not FDIC insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency.

FAQs

To start using Zelle® at North Shore Bank, you must be enrolled in Online Bill Pay. If you are not already enrolled in Online Bill Pay, you can enroll by logging in to the Mobile App or Online Banking (web-based). Locate the Online Bill Pay tab and follow the instructions to complete the Online Bill Pay enrollment steps.

Already enrolled in Online Bill Pay? Follow these steps to start using Zelle^®:

Log in to the Mobile App^Footnote 1 or Online Banking (web-based)
Select "Send Money with Zelle^®"
Accept Terms and Conditions
Select your U.S. mobile number or email address and deposit account

1 Mobile network carrier fees may apply.
Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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 Banking and the Mobile App.

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.

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

My Card Manager shows the most recent 50 debit card transactions posted within the last 30 days. Additional history can be viewed within the Accounts menu.

Sometimes a merchant will pre-authorize the card for an amount that may be more than the spend limit you allow on the card. In this case, your card will be denied.

Refer to your account product guide or view our checking and savings account details to find personal account minimum requirements. For information on business account minimum requirements, please view the Business Accounts Fee Schedule.

Log in to the Mobile App^Footnote 1 or Online Banking (web-based)
Select "Send Money with Zelle^®"
Accept Terms and Conditions
Select your U.S. mobile number or email address and deposit account

1 Mobile network carrier fees may apply.
Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

After successfully submitting your application online, you'll receive an email from North Shore Bank confirming that we are reviewing your application. This email confirms we received your information, however does not confirm your new account. We will reach out via email or telephone within 24-48 business hours to confirm the status of your account application.

Depending on how the processing of your application proceeds you will receive additional emails:

More Information Needed For Your Application (Pending) - this email instructs you to contact us to gather additional information.
Welcome to North Shore Bank! - Confirms that your new account is open. NOTE: This email contains your new account number. Your account number is the Application ID number.
Please Validate Your Account - Communicates the steps to take to make your initial deposit to your new account.

Watch your inbox for communications regarding the status of your application. We may also reach out by phone if additional questions arise during the application review process.

When you originally applied for your Home Equity Line of Credit, you were approved for the HELOC for ten years. If you received notification from us, it means you are nearing your 10-year anniversary of having a HELOC. To continue enjoying the benefits of a HELOC, you will need to re-apply for a Home Equity Line of Credit.

Yes, you can send alerts to multiple email addresses and mobile phones when you log in on the Mobile App or in Online Banking. Under Manage Delivery, select to either add a new email address or add a new phone number.

If your email address or phone number changes, you can also delete any email addresses or phone numbers you would no longer like to receive alerts.

No, only North Shore Bank’s debit cards are supported through North Shore Bank’s Mobile App or Online Banking.

North Shore Bank credit cards are not supported through North Shore Bank’s Mobile App or Online Banking.

Transfers can only be made between personal deposit accounts that you are either the sole owner or a joint owner on. When you make a transfer, you will be required to verify account ownership at the receiving institution.

External account transfers are only available for personal deposit accounts in the Mobile App and Online Banking.

Yes! Once existing Greenlight customers add their personal North Shore Bank checking account as a funding source, they can reach out to Greenlight customer service by calling 888-483-2645 or texting 404-974-3024 and request to be added to the North Shore Bank partnership program.

Yes, there are two fees you may see on your checking account statement.

Currency Conversion Assessment Fee which is 0.2% of your transaction amount and may be charged for performing the currency conversion.
ICBA or Issuer Cross-Border Assessment Fee which is 0.9% of your transaction amount.

You can set up your debit card for travel outside your normal footprint, including anywhere in the U.S. or internationally using any one of these methods:

Using the Mobile App, select Cards, then Manage Travel Plans.
In Online Banking, select Manage Cards, then Manage Travel Plans.
Or within Online Banking (web-based) and select Settings, then Security Center, then Travel Notice. Simply provide the requested information.

Of course, you can also contact Customer Support at 877-672-2265 during business hours and provide us with your travel details. Outside of business hours, please call 888-437-0103, available 24/7.

Yes! If you happen to see an error on your credit report, you can file a dispute directly with TransUnion at the bottom of the Credit Report page by clicking on “Start a Dispute”. You will need to create an account or login to TransUnion’s website and then submit your dispute. TransUnion will begin their research and if they find that the error is valid, they will update your credit profile and pass the error information on to Equifax and Experian. You may need to follow up with the other two bureaus to ensure your errors have been corrected.

Yes, we offer a variety of credit cards which provide you opportunities to earn rewards and other perks. Learn more about these different credit cards and enroll today!

Bill Discovery will continually search for new bills and alert you if new bills have been found.

Bill Discovery is available in both Online Banking and the Mobile App.

The following are screenshots of how you can set up and use this feature.

Once you provide consent and click Find My Bills, you will be presented with a page of potential payees.

If you are not yet using Bill Discovery, you may see the following banner ad to begin using the feature.

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

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.

As operating systems for mobile devices evolve, it becomes necessary to discontinue support for older versions.

View Mobile App compatibility for iOS and Android ™.

Message and data rates may apply when using the Mobile App.

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.

ACH Instructions for Business Online Banking

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).

If the repairs have been completed, North Shore Bank may need to make an inspection to confirm 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.

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.

You can also use Mobile Deposit within the Mobile App to deposit a check anytime from your mobile device.

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.

Customers using a North Shore Bank debit card are not charged ATM fees for withdrawals at any North Shore Bank ATM or any one of 33,000 MoneyPass Network ATMs nationwide.

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 $3 fee, and you may also be charged a fee by the ATM owner.

Customers with a checking account that comes with a Platinum Debit Card receive two free out-of-network ATM withdrawals per account per statement cycle. You may still be charged a fee by the ATM owner.

When you are directed off of our website you will see at “3^rd 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.

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.

Distributions are not required at the time of retirement, but are required beginning in the year you attain the age of 72 years. However, you may elect 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.

https://www.originatewebcenter.com/uopen/originate/welcome.do?auth=dafecd56026f39fe

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.

No, you may select any dealer. All car dealers can work directly with North Shore Bank.

Yes, you can add your contactless debit card to your digital wallet.

Watch a video tutorial or view a click-through demo.

Business Accounts Fee Schedule

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.

When you register for the online loan payment service, you are able to establish login credentials that will grant you additional 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).

Contributions made by you are tax deductible. Similarly, contributions made by your employer are tax deductible to them and are excluded from your gross income. Distributions used for qualified medical expenses are free from Federal income taxes, if the expenses are not taken as an itemized deduction.

Yes, our Balance Checking account is certified by Bank On as a low-cost and high-functioning account that can help customers build money management skills. Learn more about Balance Checking.

As long as you have a North Shore Bank login, your child’s checking or savings account will automatically appear in your account view when you log in to either Online Banking or the Mobile App.

You may want to give your child’s account a “Nickname” to easily identify it:

To customize the account name, log in to Online Banking, select the account, then select Account Info. Or, if you’re in the Mobile App, from the home page, select Edit, then select the account you want to nickname.

Yes, the minimum age to enroll in Zelle^® is 18.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

No; only posted or cleared debit card transactions can be disputed because pending charges are temporary and may change.

Consider calling the merchant first, as they may resolve your claim faster. We may also require information from the merchant to process a claim, so contacting them directly may save you time.

The merchant's contact information is typically found on your receipt, email confirmation, or billing statement.

View Debit Card Rules.

Yes, we offer a unique account that helps you build your financial IQ without worrying about overdrafts. Learn more about Balance Checking.

If you’re eligible, you may contribute up to the limit established by the IRS for individual or family coverage. An employer may contribute for their eligible employees within the same dollar limitations. These limits apply whether contributions are made by you, your employer or a combination of both. Contributions may accumulate from year to year. (Special rules apply if you do not remain eligible and the year you enroll in Medicare).

To view the current contribution limits, visit the IRS website.

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

To add the North Shore Bank Mobile App to your phone, install the North Shore Bank personal banking app by downloading directly from the Apple App Store or Google Play Store. Log in to the Mobile App using your username and password.

If this is the first time you are accessing your North Shore Bank accounts in Online Banking (web-based) or the Mobile App, you’ll need the following information to complete the enrollment process:

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 and establish your security challenge questions.

When your enrollment is complete, you will be able to access your North Shore Bank accounts in Online Banking (web-based) or the Mobile App.

Message and data rates may apply when using the Mobile App.

No. At this time we are unable to accept electronic transfers for lease payments.

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 $3,500 per user.* Limits on Saturday and Sunday are $3,500 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.

An appraisal fee may be necessary, depending on the value and equity of the home.

Loans and Home Equity Lines of Credit

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 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.

Yes, participation in a 457 plan does not preclude you from participating in other retirement plans.

You are not able to change your statement date.

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

North Shore Bank customers can make ATM deposits at most of our ATMs.

Find an Office, Video Teller, or ATM near you.

Yes, if you are enrolled in eStatements, you can download and print any statement found in your document list.
If you do not have estatements, enroll today using the Mobile App or Online Banking. You’ll get

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 statements to save on your computer or print
Reduced risk of compromised account information due to mail theft
No more shredding of paper statements

View the current Personal Account Fee Schedule.

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.

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

Business Online Banking Quick Tips

https://northshoreinvestmentservices.1clickcoverage.com/consumer

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!

No. A new, unique secure code will be sent to you via a verification alert each time it is required.

Yes! On the Credit Report page, click “Download Report” in the top right corner. A PDF version of your full report will generate.

Within the Greenlight app, kids can receive money from friends and family – with parent approval on every payment. In the app, your kids have their own pay link that they can share with trusted friends and family to receive money for IOUs, birthdays, you name it.

When using the personal Mobile App or Online Banking to transfer money to or from an external account, there are two delivery options available:

Standard transfers arrive in the receiving account within three business days. Transfer must be initiated by 12:00 am Central Time. For Standard transfers, you will see the debit posted to the account the money is coming from before you see the transferred amount credited to your receiving account.

Next-day transfers arrive in the receiving account on the next business day. Transfer must be initiated by 7:00 pm Central Time. You must satisfy certain criteria before having the ability to send inbound and outbound Next-Day transfers. Each account must qualify independently. Next-Day transfer qualifications include:
- Successful transfers of at least $500, either in one transfer or multiple via Standard delivery
- Seven days must have passed since the $500 in transfers were completed
- No negative or non-sufficient funds items in a 3-month period
- For Next-Day transfers only, 100% of the transaction amount must be available and the minimum available balance in the account must be at least $100

My Card Manager shows the most recent 50 debit card transactions posted within the last 30 days. Additional history can be viewed within the Accounts menu.

Set up account alert push, text, and/or email notifications in the Mobile App:

Locate Alerts under Quick Links or on the More page.
Turn on Push Notifications and then select Account Alerts.
Next, choose an account and select Add new alert.
Select the type of alert and set its criteria.
Under Delivery Methods, activate push notification, email, and/or text message and select Save.

View a demo of Account Alerts in the Mobile App.

Set up email and/or text account alerts from Online Banking:

Navigate to Settings > Security Center > Account and Security Alerts.
Use the Manage Alerts tab to choose and customize the alerts you want. You will also choose the accounts you would like the alert placed on and what email address or phone number you want them sent to.

View a demo of Account Alerts in Online Banking.

Prior to your HELOC maturity date, you’ll need to take one of three actions:

Reapply for a HELOC. Reapply now and we’ll waive the annual fee for the first year.
If you have a balance on your HELOC, you can convert your remaining HELOC balance to a fixed rate loan.
If you have a balance, you can pay the balance of your HELOC in full. The line of credit will expire and no longer be available for use after the maturity date.

When opening an account online, your initial deposit must be done by transferring money from your current bank account or by debit or credit card.

To set up a transfer from your checking account at another bank, you will need your current bank's routing number and account number. Typically, this information is found on a printed check, deposit ticket or account statement.

Using a prepaid card to fund a new account is highly discouraged. In most cases it does not contain the necessary information required to successfully fund an account. Please visit a North Shore Bank location to open the account.

To find out your HELOC balance, you can view your account information online, visit your nearby branch or call Customer Support at 877-672-2265.

Within Online Banking, you can set up a "quiet time" for your alerts. Email and text account alerts will not be delivered during this time. Once the quiet time ends, you will receive the alert.

To set up Quiet Times, click on the Manage Delivery tab in Alerts within Online Banking. In the Quiet Times section, you can edit the quiet time for email and text notifications.

"Quiet Time" controls are not supported in the Mobile App.

North Shore Bank’s ATMs will guide you through making a deposit or withdrawal. As ATM functionality varies, we recommend visiting our ATM & Branch Locator to learn about the capabilities of the ATMs near you.

Generally, here are the steps to take when making a deposit:

Insert your debit card and enter your PIN.
Select if you want a receipt with your transaction.
Select Deposit.
Select the account you want to receive your deposit.
It will prompt you that you can deposit cash, checks, or both. Then, click Continue.
Insert your cash and/or checks. No envelope or deposit slip is required.
A summary of your cash and checks will show up on the screen and you will be asked to confirm the dollar amount of the total deposit.
Take your debit card and receipt (if you chose to have one printed in step 2).

Sometimes a merchant will pre-authorize the card for an amount that may be more than the spend limit you allow on the card. In this case, your card will be denied.

When you use North Shore Bank's personal Mobile App or Online Banking to transfer money, there may be a fee depending on the type of transfer:

Standard transfers to an external account are free
Next-day transfers to an external account incur a $3 fee per transfer
There is no fee for transferring money into your North Shore Bank accounts from an external financial institution
There is also no fee for transferring money between North Shore Bank accounts

No, Greenlight is its own individual app, but within the Greenlight app you can send money to your child’s card, turn their card on/off, set up spending controls, allowance, chores, and more.

Yes. On the Resources tab, select “Profile Settings”, scroll to the very bottom and select “Deactivate Credit Score Account.” Once unenrolled, you can choose to reenroll at any time through the Mobile App or within Online Banking.

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

Zelle® is a fast, safe, and easy way to send money to someone within minutes¹. With just an email address or U.S. mobile phone number, you can send money to people you trust, even if they don’t bank with North Shore Bank².

1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®.
2 To send or receive money with Zelle®, both parties must have an eligible checking or savings account.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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.

Yes, you can connect both your Personal Online Banking and Business Online Banking accounts to QuickBooks Self-Employed.

You can learn more by viewing our Security Statement.

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 driver's license, however, for security reasons, it is recommended to ensure a more efficient application process. 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. Please keep the following in mind when taking a picture of your photo ID:
• Ensure the ID fills the complete frame size on your screen
• Place your ID on a dark surface
• Ensure you have ample light

North Shore Bank does not list properties that we currently own.

To obtain a credit report please follow this link.

All North Shore Bank customers can also track their credit using My Credit Score, which is free through the Mobile App or within Online Banking. Your full credit report is available in My Credit Score.

For information on account minimum requirements, please view the current Personal Accounts Fee Schedule or Business Accounts Fee Schedule.

For a fast, secure way to pay in stores, in apps or online, use your North Shore Bank Debit Card with Apple Pay.

Adding your debit card to Google Pay with My Card Manager and the Mobile App:

To quickly add your North Shore Bank debit card to Google Pay, log in to North Shore Bank's Mobile App and navigate to the "Cards" menu.
From there, you can locate the card you wish to add and tap the "Add to Google Pay..." banner.
Next, tap the "Add to Wallet" button to begin the process. All of your card information is pre-populated. Once complete, your North Shore Bank debit card will be visible in your Google Pay wallet.

How to add your North Shore Bank debit card to Google Pay:

Open the Google Pay app on your mobile device
Capture your debit card information using your device's camera or enter the information manually
Use Google Pay during your next shopping trip, or online

Additional information:

Direct Deposit Change Form

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.

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

The minimum deferral is $10.00 per pay period. The maximum deferral may change annually. As of tax year 2024, the contribution limit is $23,000. Employees age 50 and older are eligible for catch up contributions of an additional $7,500 with total allowable to $30,500.

We suggest you keep your check for 60 days in a secure location.

Message and data rates may apply when using the Mobile App.

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.

View Mobile App compatibility for iOS and Android™.

https://northshorebank.mortgagewebcenter.com/Account/Login?ReturnUrl=%2fApplyNow

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.

To contribute, the owner of a Health Savings Account (HSA) must have a High Deductible Health Plan (HDHP) and must not be covered by any Health Plan that is not an HDHP, not be claimed as a dependent on another’s tax return and not be enrolled in Medicare.*

*Other criteria may apply. Consult your Health Insurance Provider to be certain you are eligible for an HSA. The Bank does not determine your eligibility.

Stop payments cannot be placed on one-time, everyday point-of-sale (POS) debit card transactions.

Stop payments can be placed only if the transaction is a recurring payment. The bank must be notified three business days before the recurring payment posts to the account. A stop payment fee applies. For current fees, please refer to our Personal Accounts Fee Schedule.

View Debit Card Rules.

You will need to update your card information in your digital wallet once your physical card is activated.

If you’re eligible, you may contribute up to the limit established by the IRS for individual or family coverage.

Also, as an eligible individual, you may contribute an extra ‘‘catch-up’’ amount from age 55 until you’re enrolled in Medicare. However, eligible spouses may not contribute their ‘‘catch-up’’ amounts to the same HSA. Instead, each must have their own HSA. You may make contributions in the current year for the previous year if you’re eligible and if your contribution is made by the tax-filing deadline (excluding extensions).

To view the current contribution limits, visit the IRS website.

With home-based loans, you will not be able to use our online loan payment service to pay off your Home Equity Loan or Mortgage loan. Instead, you will need to contact Customer Support at 877-672-2265 to request the payoff amount.

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.

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.

You can view details about Android version and device compatibility on our Mobile App's Google Play Store page.

Yes, you should sign the back of your debit card for security purposes.

Yes, you can still make purchases by swiping or inserting your contactless debit card at checkout. The contactless technology is an advanced and easier way to pay at those merchants who accept contactless technology.

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.

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 (CDs) 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.

You can apply for a car loan online, even if you have not found your dream vehicle. We will just need an approximate loan amount for your application.

Learn more about our auto loans or apply 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.

Images of canceled checks can be viewed, printed, or saved at no charge when you log in to the Mobile App or Online Banking. Customer Support 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.

The maximum amount of cash that you are able to withdraw from an ATM in one day is $500. This includes any potential fees related to the transaction.

Find an Office, Video Teller, or ATM near you.

For a fast, secure way to pay in stores, in apps or online, use your North Shore Bank Debit Card with Apple Pay.

Adding your debit card to Apple Pay with My Card Manager and the Mobile App:

To quickly add your North Shore Bank debit card to Apple Pay, log in to North Shore Bank's Mobile App and navigate to the "Cards" menu.
From there, you can locate the card you wish to add and tap the "Add to Apple Pay..." banner.
Next, tap the "Add to Apple Wallet" button to begin the process. All of your card information is pre-populated. Once complete, your North Shore Bank debit card will be visible in your Apple Pay wallet.

Manually add your North Shore Bank debit card to Apple Pay:

Open the Wallet app on your Apple device
Capture your debit card information using your device's camera or enter the information manually
Use Apple Pay during your next shopping trip, or online

Additional information:

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.

While paper statements are available for a fee, eStatements are free for all accounts.
If you do not have estatements, enroll today using the Mobile App or Online Banking. You’ll get

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 statements to save on your computer or print
Reduced risk of compromised account information due to mail theft
No more shredding of paper statements

Interest Rates

Fees

Not to worry! You have up to ten days to complete your application after it’s been started. You can save your progress and resume later. Also, you can begin your application on your smartphone and resume 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 at a later time.

To help you stay informed, view North Shore Bank’s resources about Identity Theft Prevention & Protection.

Launch QuickBooks and select the option to set up 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 – WI-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.

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.

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.

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: register.businesssolutions.visa.com

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.

YES! We encourage you to enroll so that you may closely monitor your credit profile and report any errors in a timely manner. Remember that if you see an offer you’d like to apply for, you will need to remove the block or freeze prior to submitting your loan application so our lending team can review your request.

You can use the app to set up direct deposit so your teens’ paychecks are automatically deposited to their Greenlight account. Also keep in mind that getting a first job is the right time to help your child open their first checking account and continue to teach them money management skills.

To receive any debit card alerts on your mobile phone, you need to have notifications for the North Shore Bank Mobile App turned on. Go to the settings on your phone, find the North Shore Bank Personal App and ensure notifications are turned on.

Yes, for your protection, there is a daily and rolling 30-day limit on transfers to external accounts. To view your available limits, log in to the Mobile App or Online Banking, and select the icon next to the Amounts field to view your available limits.

Account alerts are real-time and will be sent to you as soon as possible after the transaction has occurred.

Mobile App - Set up and receive Account Alert push, email, and text notifications.
Online Banking - Set up and receive email and text notifications. Please note that you can also set up a "quiet time" for your text and email alerts by clicking the Manage Delivery tab in Alerts.

To get your payoff amount, please call Customer Support at 877-672-2265.

Existing Customers
Existing North Shore Bank customers with personal accounts should log into Online Banking to open your new account. It will save you time and the process will be more efficient.

New Customers
New North Shore Bank customers will need to provide the following information for the primary account owner to open a new account online:

Email Address
Complete Name
Current Home Address, including City, State and Zip
Date of Birth
Primary Phone Number
Social Security Number
Driver's License or other Government-Issued Identification
Employer/Income Information
The routing number and account number at your existing bank or a debit or credit card number to fund your new account

You will also be asked to answer questions regarding your expected account activity, including cash deposits/withdrawals and wire transfers.

Joint Account Owners
If you are opening a joint account online, the following information is needed for the joint owner:

Email Address
Complete Name
Current Home Address, including City, State and Zip
Date of Birth
Primary Phone Number
Social Security Number
Driver's License or other Government-Issued Identification
Employer/Income Information

Beneficiaries
If you are adding a beneficiary, the following information is needed for the beneficiary:

Complete Name
Current Home Address, including City, State and Zip
Date of Birth
Social Security Number
Relationship to Account Holder

A HELOC can impact your credit score depending on how you manage your account. Like any other loan or line of credit, your score can increase as you make your payments on time. It’s also beneficial to keep the balance of your HELOC relatively low compared to the amount you have available.

If you use your HELOC to consolidate higher-rate credit cards, your credit score may increase. If your balance on credit cards is relatively high compared to the credit limit available and you use your HELOC to pay down those cards, your credit utilization ratio will improve and in turn so will your credit score.

Learn about the Credit Utilization Rate and how it affects credit score from Experian.

Note that a HELOC balance is not part of your credit utilization ration because it is secured by your home. When applying for credit, a financial institution uses your FICO score (credit score used most often by lenders) which excludes HELOCs from credit utilization calculation.

When you apply for a HELOC or any loan, your lender will perform a hard credit inquiry. You score may decrease slightly, but the impact diminishes over time.

Learn about HELOCs and Credit Score from Experian.

For external transfers, a maximum of five external accounts may be set up in the Personal Mobile App and Online Banking.

Staying in control of your debit card is easier than ever. Our powerful card controls offer you an all-in-one dashboard for managing your North Shore Bank debit card and how it is used, viewing your transactions, and staying informed.

Activate your card and manage your PIN
View spending by category, monthly trends, and location
Easily lock and unlock your card
Restrict purchases to location, merchant categories, or transaction types
Set up alerts based on transaction type, merchant category, or even spend limit
Set travel plans
Report your card lost or stolen

Learn more about My Card Manager.

My Credit Score is a credit monitoring tool we provide to you at no cost to learn more about how your financial decisions impact your credit score. You can expect your score to be different because we consider additional credit factors in your loan application that are not available in this tool that may result in a different score.

My Credit Score uses the Vantage Score 3.0 scoring model and pulls your credit profile from Trans Union. There are additional credit factors we consider when reviewing your loan application by using a FICO scoring model. The use of different scoring models is why you see a difference in your scores.

No scoring models are identical, but are directionally the same. If your score goes up based on your credit activity in My Credit Score, you might see an increase in the scores we pull for loan applications as well.

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.

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.

Both of these numbers can be reached 24/7.

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.

Follow these instructions to enroll in eStatements for Business Online Banking.

Contact North Shore Bank's Customer Support by email or by phone at 877-672-2265.

View our Business Account Opening Checklist to find out what you'll need to provide prior to opening a Business Banking account.

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 Personal Accounts Fee Schedule or Business Accounts Fee Schedule.

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 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

Credit Card Rewards

For credit cards rewards, we offer a variety of cards which provide you with opportunities to earn rewards and other perks.

You can view details about iOS version and device compatibility on our Mobile App's App Store page.

Find an Office, Video Teller, or ATM near you.

You can view your past 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 order history from the last five years will be displayed.

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”.

Yes, each request will be reviewed differently, decisions will be made based each loan itself (term, rate, value).

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.

Once you sign up and create an account with our online loan payment service, you will be able to scheduling recurring payments.

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

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.

We offer two Health Savings Account options. Both are interest bearing HSA checking accounts that include a free Debit Card and Mobile App or Online Banking access to easily manage your account.

Learn more and compare Health Savings Account options.

No, your temporary digital debit card is automatically activated and can be used as soon as it is viewed within the Mobile App. The button that says “Activate Card” on top of the digital card image is only used to activate the physical card when it arrives.

Greenlight offers a Greenlight Savings Reward, where families can earn up to 1% on Savings.* With a Greenlight Savings Reward, kids learn the power of compound growth and why it pays to save.

*Greenlight Select families can earn monthly rewards of 1% per annum on an average daily savings balance of up to $5,000 per family. To qualify, the Primary Account must be in Good Standing and have a verified ACH funding account. See Greenlight Terms of Service for Details. Subject to change at any time.

You can use your temporary digital debit card to make purchases online or over the phone. It can also be added to your Apple Pay® or Google Pay™ wallet to make purchases where tap technology is accepted.

It cannot be used at an ATM. We do not recommend using it for recurring purchases like memberships or subscriptions because the new card information will need to be updated when your physical card is activated.

It is typically a checking account opened to pay health-related expenses with tax-free funds.

Learn more and compare Health Savings Account options.

Lease payments cannot be made through the online loan payment service.

/personal/payment-cards/debit-cards

Ordering 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 order checks:

Log in to Online Banking (web-based); select the Reorder Checks link.
Order directly through Deluxe. To log in, enter North Shore Bank's routing number (275071356), your checking account number, and your zip code.
Mail or bring your check order form to your nearest North Shore Bank office.

Your cost for checks will vary depending on the style, type, and quantity you order. You can view pricing after logging in to Deluxe.

Within the Mobile App and Online Banking, you can access active personal accounts including savings, checking, CDs, and loans.

Learn more about Online Banking or the Mobile App.

Message and data rates may apply when using the Mobile App.

Deposits submitted before 6pm CST on a business day will be processed that day. Deposits submitted after 6pm CST on a business or non-business day will be processed the next business day.

All check images processed for deposit through Mobile Deposit are subject to our verification and final inspection.

Message and data rates may apply when using the Mobile App.

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.

North Shore Bank debit card customers can use ATMs located at any of our branches and at 33,000 MoneyPass ATMs nationwide for free. Find an ATM near you.

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.

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

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

Customers using a North Shore Bank debit card are not charged ATM fees for transactions at any North Shore Bank ATM or any one of 33,000 MoneyPass Network ATMs nationwide.

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 $3 fee, and you may also be charged a fee by the ATM owner.

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.

Existing and new customers can open personal checking, savings, and money market accounts.

Existing customers can also open Certificates of Deposit.

We ask that you schedule an appointment at your nearest branch to open the following types of accounts:
• Any account for a minor (under the age of 18)
• Certificates of Deposit if you are a new customer
• Health Savings Accounts (HSAs)
• Individual Retirement Accounts (IRAs)
• Trust Accounts
• Custodial Accounts
• Business Accounts

New customers click here to get started.

If you 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.

Your 8 or 10-digit account number can be found by clicking on the “eye” near your shortened account number in our Mobile App and within Online Banking. You can also find your account number 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.

Temporary passwords in Business Online Banking last for 180 Days.

https://www.northshorebank.com/security/security-statement.aspx

Log in to the Mobile App^Footnote 1 or Online Banking (web-based)
Select "Send Money with Zelle^®"
Accept Terms and Conditions
Select your U.S. mobile number or email address and deposit account

1 Mobile network carrier fees may apply.
Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

You can enroll for free through North Shore Bank’s Mobile App or within Online Banking.

Mobile Banking – Under the Quick Links menu, choose the My Credit Score link, agree to the Terms & Conditions and submit their permission to enroll.

NOTE: When you enroll in the Mobile App for the first time, you will be prompted to provide your full social security number to authenticate your credit profile. You will only be asked for this information during enrollment and will not be prompted again when accessing the My Credit Score dashboard in the future.

Online Banking - You will see a widget next to your accounts dashboard. Simply click the widget, agree to the Terms & Conditions and submit your permission to enroll.

Greenlight is a debit card for kids, not a credit card. Parents load money onto the card from their own Greenlight app funded by their North Shore Bank personal checking account. And because it’s a debit card, kids can’t spend what isn’t there. That’s a pretty valuable life lesson.

You may cancel an external transfer as long as it’s not in a pending status. Once it appears in your account as pending, it cannot be canceled.

Recurring Payments are those payments that happen repeatedly on a schedule, for example, streaming subscriptions, cellular bills, or other monthly bills you pay with your debit card.

Card on File is a list of merchants who store your debit card information for future purchases, like online retailers or delivery apps.

You can access a list of your Recurring Payments and Cards on File within My Card Manager.

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.

Current customers can open a new checking, savings, money market, or Certificate of Deposit within the Mobile App or Online Banking. In the Mobile App, log in and select Open an account listed under Quick Links. Or within Online Banking, log in and select Open An Account, then Open Checking, Savings or CD.

New customers can open a new checking, money market, or savings account online in just a few minutes. Get started now.

For those who prefer the human touch, stop by any branch or go online to& schedule an appointment

Message and data rates may apply when using the Mobile App.

Mortgage Loan

1098's for the previous year are sent out in January. For a duplicate 1098, contact Customer Support at 877-672-2265.

Home Equity Line of Credit (HELOC)

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.

To make a purchase, simply hold your contactless card or mobile device within one or two inches of the contactless symbol on the terminal.

View instructions for adding your debit card to the digital wallet (Apple Pay, Google Pay or Samsung Pay) on your mobile device.

No, your North Shore Bank debit card will be automatically updated within My Card Manager.

For your convenience, you can use My Card Manager to activate your new card and manage your PIN.

First, verify with other accountholders that they did not initiate the transfer. If they did not, contact Customer Support.

https://online.northshorebank.com/auth/Terms

Yes! As soon as your cards have been activated, your kids can add their Greenlight card details to Apple Pay or Google Pay* to tap and pay in an instant.

*Subject to Apple Pay and Google Pay age requirements.

If you do not log in to the Mobile App or Online Banking for 120 days, your My Credit Score will go inactive, and you will be unenrolled. To reenroll, please follow the normal enrollment procedures to regain access to your profile information.

You can send, request, or receive money with Zelle^®.

To get started, log into North Shore Bank's Mobile App^Footnote 1 or Online Banking (web-based) and select "Send Money with Zelle^®" 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 minutes^Footnote 2 if they are already enrolled with Zelle^®.
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"^Footnote 3. If the person you are requesting money from is not yet enrolled with Zelle^®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.
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^®. If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your account, typically within minutes.

1 Mobile network carrier fees may apply.
2 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.

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.

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

We will periodically send out survey requests to gather feedback on how we can improve our products and services. Legitimate surveys will be sent from the following email addresses:

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

If you receive an email communication claiming to be from North Shore Bank, but it does not originate from our authorized email addresses, do not click any links and delete the message immediately.
Important reminders:

NEVER share your PIN (personal identification number) or one-time passcode.
North Shore Bank representatives will never ask you for your PIN or request you to verify personal financial information via email.

If you suspect that you’ve received a phishing email claiming to be from North Shore Bank, please call 877-672-2265 to report it or to verify the message’s authenticity. Your security is our priority.

For information on account minimum requirements, please view the current Personal Accounts Fee Schedule or Business Accounts Fee Schedule.

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

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.

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.

Yes, North Shore Bank offers a reloadable prepaid card which offers flexibility for everyday spending. Learn more about our Prepaid Card today.

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.

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.

Log in to your account on the Mobile App or Online Banking and select Pay Bills or Payments to get started.

Watch our Bill Pay video tutorial.

Message and data rates may apply when using the Mobile App.

Each year, the IRS establishes minimum deductible amounts for both individual and family medical plans to qualify as a High Deductible Health Plan. To view the current minimum deductibles, visit the IRS website.

If you are getting a new debit card because you’ve opened a new account or because your card was lost or stolen, you can use a temporary digital debit card until your new card arrives in the mail.
For Mobile App users:

Log in to your account and select the Cards tab at the bottom of the screen.
Select your new debit card and click to add to Apple Pay or Google Pay.
You will need to enter an authentication code that will be sent to you by text or email.
Your card is now added to your digital wallet.
You can add a PIN for purchases within the Digital Wallet.
Your temporary card details, including the full card number, the temporary expiration date, and a temporary CVV can be viewed so you can use the card for one-time purchases until your physical card arrives in the mail. In the Mobile App, your card details are found under the Cards tab and then under Card details, select View Digital Card. You may be asked to confirm your identity.

Or access your card by text:

You will receive a text message from short code 66368. (This is from us and safe to open.)
Click on the link in the text. Note that this link is good for 21 days.
Authenticate yourself with the last four digits of your social security number and the one-time password sent to you by text or email.
Then agree to the Terms and Conditions.
Next you can select to add your card to your Apple Pay® or Google Pay™ wallet. You will need to sign in to your wallet on your device and accept the wallet terms and conditions.
You can create a PIN by scrolling down. You will get a confirmation after your PIN is successfully set.

Make sure you activate your physical card as soon as it arrives. Once you activate your physical card, your temporary card will no longer be valid. You will also need to update your expiration date and CVV within your digital wallet.

We have made it super easy to check your child's spending history.

1. Navigate to your child's dashboard.
2. Click on the Spending tile.
3. At the top right, click on "History."

You then have the ability to filter the view to see spending history for the last 30 days, 90 days, or 12 months as well as grouping transactions by stores.

After a new debit card is ordered, you will receive a text message to the phone number on file for your account.

Mobile App users can find your temporary digital debit card under the Cards tab and can add it to your Apple Pay® or Google Pay™ wallet. You can also see your temporary card in your digital wallet.

If you do not use the Mobile App, you can access your temporary digital debit card by clicking on the link in a text message from short code 66368. (This text is from us and safe to open.) You will be asked to authenticate yourself and agree to the Terms and Conditions. Then follow the prompts to add your new card to your Apple Pay® or Google Pay™ wallet. This link is good for 21 days.

If you’re using your card to pay for a subscription or storing the card with a merchant, we recommend you wait until you receive your physical card to make those updates.

Typical distribution options are by Debit Card, check, or in the bank lobby. Distributions not used for qualified health related expenses are subject to taxation and may be subject to IRS penalty.

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.

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.

All mortgage loans in excess of 80% loan-to-value will require an escrow account be established. Borrowers with a loan-to-value less than 80% may request to waive the escrow account requirement.

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!

For information on account minimum requirements, please view the current Personal Accounts Fee Schedule or Business Accounts Fee Schedule.

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.

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.

Stay up-to-date with your account with North Shore Bank Account Alerts. You can set up email notifications for your checking and savings account balances, plus find out when a check has cleared.

In Online Banking:

Navigate to Settings > Security and Alerts > Alerts.
Use the Manage Alerts tab to choose and customize the alerts you want. You will also choose the accounts you would like the alert placed on and what email address or phone number you want them sent to.
To view a demo, please click here

To submit a secure email, log into Online Banking and click on the Messages link 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.

Please contact our Customer Support area by email or by phone at 877-672-2265.

When you enroll with Zelle^®through the Mobile App^Footnote 1 or Online Banking (web-based), 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.

1 Mobile network carrier fees may apply.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

No. It doesn’t affect your credit profile or score in any way! My Credit Score performs a soft inquiry when you enroll or refresh your credit profile instead of a hard inquiry like when you apply for a loan.

Follow North Shore Bank on these social media platforms to stay updated with the latest news:

Click the links to visit and follow our official pages.

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.

For information on account fees, please view the current Personal Account Fee Schedule.

Yes! You can receive credit alerts, monthly notices, and general messages from My Credit Score.

You can also manage your email notifications by navigating to the Resources Tab, selecting “Profile Settings” and change your preferences under Email Notifications.

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 at a participating financial institution. 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^®.
To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Our Business Mobile App can be installed and used on an Apple or Android smartphone or tablet. To install the Business Mobile App on a tablet:

Search for North Shore Bank 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 Mobile App to you for installation.
Install the app and log into your account.

Because you'll be using the mobile app on a tablet, certain functions, such as changing the screen layout from portrait to landscape, are not available.

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

Your cost for checks will vary depending on the style, type, and quantity you order. You can view pricing after logging directly in to Deluxe. To log in, enter North Shore Bank's routing number (275071356), your checking account number, and your zip code.

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.

You can make a loan payment to a different financial institution by using Bill Pay within Online Banking or the Mobile App.

There are several ways to change your personal information on file with North Shore Bank:

Log in to Online Banking (web-based), go to Settings, then Profile
Stop by a nearby office and meet with us personally. Bring along a photo ID, such as a Driver's License, for identification.
By Mail - Send the completed Address Change Form to the address provided on the form

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.

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.

Yes, North Shore Bank offers gift cards which are great options for any occasion. Learn more about our Gift Cards today.

Enrolling in eBills is simple. Log in to your account our Mobile App or within Online Banking. From the Bill Pay page, choose from a list of Billers that offer eBills (indicated by the eBill icon). Just click the eBill icon next to the Biller name and follow the on-screen prompts to complete enrollment.

You can check with your employer benefits manager or health insurance provider. Then give us a call. We’re here to help.

The temporary digital card is valid for 30 days or until the physical card is activated, whichever is sooner.

When your child's card arrives, follow these simple steps to activate it right away:

Open your Greenlight app. From your Parent Dashboard, you should see a notification prompting you to activate your child’s card.
Tap on the notification and input the card's expiration date in the app to activate it.
Next, visit your child's dashboard by clicking their square at the top of your Parent Dashboard.

Select "Manage Card" then "Set debit card PIN." After the PIN is set, your physical card is activated and ready to use!

Most transactions must be disputed within 60 days of the date of your statement on which the error appeared. If you did not provide your account information to the merchant in question and suspect that your information was stolen, contact Customer Support immediately.

View Debit Card Rules.

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.

For information on Wire Transfers please contact Customer Support at 877-672-2265.

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.

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.

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 current Personal Accounts Fee Schedule or Business Accounts Fee Schedule.

If someone transfers money into your account, they will not have access to view your account balance.

Remote Deposit Capture Scanner Driver Install

Review North Shore Bank’s top ten financial security tips to help keep you and your money safe.

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.

Click here to enroll in Greenlight and provide the basic information listed below.

Your email address
Your mobile phone number
Your child’s/children’s names
Your legal first and last name
Your physical address
Your date of birth
Your Social Security number (SSN)
While your SSN is used to confirm your identity, Greenlight does not pull your credit.
Your North Shore Bank debit card or North Shore Bank personal checking account information.

Note that to receive Greenlight at no-cost, your account must be funded by your North Shore Bank personal checking account.

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 18 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.

Mortgage and Home Equity Line of Credit (HELOC)

Please send a written payoff request and a signed authorization. These requests can be faxed to: 262-787-5722. Mortgage and HELOC payoffs are generally quoted for a specific date.

Personal and Auto Loans

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 262-787-5722. Quotes for consumer and auto loan payoffs are good for 10 days.

RV and Boat Loans

Obtaining a payoff amount for your RV or Boat loan can be found in Online Banking. It’s fast and easy!

Log in to North Shore Bank Online Banking (web-based). If you’re not already enrolled, you’ll need your social security number, loan account number, date of birth and zip code.
Click on the three vertical dots alongside the blue “Pay” button
Select “Account Information” from the option menu
Look for the “Estimated PayOff Amount” field. NOTE: the payoff amount listed is only valid for that day.
To pay off your loan on a future date, add the “Per Diem Interest” (Interest Per Day) amount to the Estimated PayOff Amount for each additional day (including the payoff date).
You may provide the Estimated PayOff Amount to your dealer, financial institution or insurance company requesting the payoff.

You may also call Customer Support at 877-672-2265, and verbally authorize a payoff statement be sent to your financial institution. If a dealer, 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 262-787-5722. Quotes for boat and RV loan payoffs are good for 10 days.

Currently, profile/contact information cannot be updated in the North Shore Bank Mobile App.

There are two ways you can update your contact 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.

North Shore Bank is a mutual association and therefore every person who opens an account with us becomes a member of the association and is entitled to elect directors and vote on certain business matters. Each saver is given one vote for each $100 or fraction thereof of the withdrawal value of their accounts up to a maximum of 1000 votes. Many account holders are unable to, or don't care to vote in person, therefore, the signed proxy authorizes a trusted official of North Shore Bank to cast the account owner's vote in his/her absence. This proxy vote can be revoked or signed/added at any time.

Bank Account
If you are prompted to verify your North Shore Bank Account when manually adding your funding source, you will receive 2 small deposits of $1.00 or less in your personal checking account within 1-2 business days. To verify your checking account as a funding source, you will need to input the 2 micro deposit amounts into your Greenlight app when prompted to verify. If you do not see these deposits within 3 business days, please contact North Shore Bank directly and have them take a look at the status of your checking account. Once you complete verification, the 2 micro deposits will be removed from your checking account to offset the deposit amounts.

Debit Card
Once you add your North Shore Bank debit card as a funding source and make your initial funding load, you should see 2 transactions on your debit card that add up to the initial load amount. You will need to confirm these transactions within 3 business days in the Greenlight app to verify your debit card. If you do not see these transactions within 4 business days, please contact North Shore Bank directly and have them take a look at the status of your checking account.

Keeping your money and information safe is a top priority for North Shore Bank. When you use Zelle^®within the Mobile App^Footnote 1 or Online Banking (web-based), your information is protected with the same technology we use to keep your bank account safe.

1 Mobile network carrier fees may apply.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Remote Deposit Capture Scanner Driver Install

Visit our branch locator for details on each office’s hours, ATMs, and services available.

The negative balance should be paid within 25 days. For assistance, you can contact Customer Support by email or by phone at 877-672-2265.

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.

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.

It is possible if the loan requested is a refinance and there is sufficient equity to meet the loan-to-value (LTV) ratio requirements.

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 you're using a mobile phone, moments after you tap, you'll receive payment confirmation and you'll be on your way.

Yes, you will receive any balance owed to you. Please contact Customer Support at 877-672-2265 to speak about your specific situation.

Payments can be set up as much as 365 days in advance. Recurring payments can be scheduled to occur over any timeframe in the future, including indefinitely.

ATM and PIN-based debit card transactions usually post the same business day and other everyday signature-based debit card transactions generally post within four business days.

View Debit Card Rules.

Payments to payees who accept electronic payments are delivered in approximately two business days.
Payments issued by check are delivered by mail in approximately five business days.
When you schedule a payment, the payment calendar indicates the earliest available payment date.

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-deductible^Footnote 1
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-free^Footnote 2
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)

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.

/personal/home-mortgage-loans/wisconsin-loan-officers

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.

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.

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.

Visit our branch locator to find a North Shore Bank office, video teller, or ATM near you.

View a list of countries that currently do not accept debit cards.

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.

Remote Deposit Capture Setup Instructions

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 minutes^Footnote 1.

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.

Greenlight is bigger than a debit card, and it was built with families in mind.

Yes, it’s a debit card for kids, managed by parents. But it’s also a powerful mobile app that lets parents easily manage and see where, when, and how much kids spend while helping them learn to manage their money.

It’s three different accounts in one – Spend, Save, and Give. A digital chore board. A saving-motivation machine. A set of flexible parental controls you won’t get from most banks. And a simple, clear view of your child’s financial world, complete with real-time transaction alerts. All in one app.

Greenlight lets parents:

Transfer money instantly to kids
Turn the card off via the app, if needed
Receive alerts whenever the card is used
Set store-level spend controls to help kids learn to budget
Automate allowance payments
Manage chores (and instantly reward a job well done)

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.

Your Greenlight cards should arrive within 7-10 business days with free standard shipping. You can always track your card’s shipping status right from your Greenlight app to see when your card is estimated to arrive.

If you would like your card sooner, Greenlight offers expedited shipping for an additional charge. It can be requested by calling customer service at 888-483-2645 within 12 hours of ordering your card or signing up.

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 the Mobile App or Online Banking.

Message and data rates may apply when using the Mobile App.

To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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

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.

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

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

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.

Your check may clear for a different amount if the written amount in words does not match the numerical amount. For security reasons, we are unable to provide all the specifics regarding this issue. Please contact Customer Support at 877-672-2265 or visit your local branch for assistance.

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 your accounts on the Mobile App or Online Banking or contact Customer Support at 877-672-2265.

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.

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.

Yes, all properties secured by a mortgage require proof of homeowners insurance. If your property is located in a flood zone, we will also require proof of flood insurance coverage.

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.

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

Visit northshoreinvestmentservices.com to learn about our insurance offerings.

Your bills, statements, and notices are available online for six months from their arrival date.

There is no charge for setting up and receiving eBills through North Shore Bank's Bill Pay.

North Shore Bank generally processes transactions to your account at the end of each day, Monday – Friday, excluding federal holidays. We also process certain categories of transactions on Saturdays, excluding federal holidays. Transactions generally process in the following order:

Most credits process first including: sweeps, overdraft protection transfers, Remote Deposit Capture (RDC), mobile deposits, and Automatic Clearing House (ACH) credits.
Debits and credit transactions performed by you or us at the Bank, at the ATM, or via Internet or telephone transfers and applicable transaction fees (i.e., stop payment, wire transfer, ATM or overdraft fees agreed to at the time of the transaction), process in the date/time order they occurred.
Debit card transactions process in date/time order on the date they are settled by the merchant and then received at the bank.
ACH debits process from lowest to highest dollar amount on the effective date they are presented and settled.
Debit sweeps from funding accounts to cover overdraft protection transfers.
Checks process in check number/numerical order.
Monthly interest credits and applicable account fees. See our Fee Schedule for details.

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.

North Shore Bank offers a wide variety of construction loans. View the Mortgage Home Loans that we offer.

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.

If your mortgage loan is set up with an escrow account, North Shore Bank will obtain the property tax bill from the municipality. 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.

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.

If you use 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 QuickBooks.com account, select the appropriate action (add/connect account).
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 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 QuickBooks.com profile.

North Shore Bank’s routing/ABA number is 275071356. ABA numbers are also referred to as routing numbers and are used for various financial transactions, such as direct deposits and wire transfers.

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.

To find your account number on your monthly statement in the Mobile App, select an account from the home page, then select the “eye” icon to temporarily see the account number.

To find your account number on your monthly statement in Online Banking, select an account from the home page and then click Online Statements. Click View Statement to download a pdf of your most recent statement. The account number will be listed at the top and in the account summary at the end of the document.

View a full list of participating banks and credit unions live with Zelle^®.

As of March 31, 2025, all users must be enrolled through one of the more than 2,200 financial institutions that offer Zelle® in order to send and receive money. You can find a full list of participating institutions live with Zelle® at Zellepay.com. If your recipient's financial institution isn't on the list, we recommend you use another payment method at this time.

To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

As a customer of North Shore Bank, you can get Greenlight for your family at no cost. This partnership plan includes debit cards for up to five kids. To qualify, you need to fund your Greenlight account using your North Shore Bank debit card or linking to your checking account using North Shore Bank’s routing number and your checking account number.

Enroll in Greenlight today.

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 non-sufficient 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 visiting a branch, sending a secure message through Online Banking, or by contacting Customer Support at 877-672-2265.

Learn more about Extended Debit Card Coverage.

Yes, the physical card must be activated once it is received in the mail. Once activated, you will need to update the card information in your digital wallet.

View Debit Card Rules.

Please contact Greenlight Customer service by calling 888-483-2645 or texting 404-974-3024 and inform them you would like to be added to the North Shore Bank partnership program.

/personal/checking/overdraft-protection/overdraft-protection-overdraft-privilege

Corporate Office (Other locations):

North Shore Bank

15700 West Bluemound Road

Brookfield, WI 53005

800-236-4672

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 – WI” 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

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 damaged.¹

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:

1 Coverage provided under a group insurance policy issued by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only. The $600 benefit amount applies to each claim, and is subject to a $50 co-pay per claim. $1,000 maximum claim benefit per 12 months. Subject to limitations and exclusions. See Mastercard Guide to Benefits for details.

Your account information is available 24 hours a day, 7 days a week through the Mobile App and Online Banking.

The Mobile App and Online Banking 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.

View current account information
Check your balance, deposit checks, review recent transactions, pay a bill, and transfer money between your accounts
Send money to friends and family with Zelle^®
Use Bill Pay to ensure your bills are paid on 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

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

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.

Contributions may be tax-deductible^Footnote 1
Can be consolidated with other personal IRAs
North Shore Bank Certificates of Deposit are FDIC insured

Earnings may be able to be withdrawn tax-free^Footnote 2
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.

There is no cost to use Bill Pay for personal accounts.

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.

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.

Contributions may be tax-deductible^Footnote 1
Can be consolidated with other personal IRAs
North Shore Bank Certificates of Deposit are FDIC insured

Earnings may be able to be withdrawn tax-free^Footnote 2
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.

We do not offer payday type loans.

Loans and Home Equity Lines of Credit

Security

You will be assessed a fee and, depending on the payee, the check may be redeposited. Please view the current Personal Accounts Fee Schedule or Business Accounts Fee Schedule for information about fees.

Depositing checks from your smartphone is available through North Shore Bank’s Mobile 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™.

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

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.

Zelle^®is a great way to send money to family, friends, and people you are familiar with such as a personal trainer, babysitter or neighbor¹.

Since money is sent directly from your bank account to another person's bank account within minutes² 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 To send or receive money with Zelle®, both parties must have an eligible checking or savings account.
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.

The Greenlight debit cards are FDIC-insured up to $250,000 and come with Mastercard’s Zero Liability Protection. Greenlight blocks “unsafe” spending categories, sends real-time transaction notifications, lets parents turn cards off at any time, and gives parents flexible ATM and spending controls.

Overdraft Protection

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

Overdraft Protection is a great way to protect against the fees merchants may charge for returned checks and there is no charge for the automatic transfer of funds. 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.

The Greenlight App is for kids and grownups of all ages. No minimum (or maximum) age here.

You can send money to friends, family and others you trust¹ even if they bank somewhere different than you do.
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 To send or receive money with Zelle®, both parties must have an eligible checking or savings account.
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.

Current Balance, also known as Account Balance or Ledger Balance, means the funds in your account, including deposits and withdrawals made to date. Not all your transactions will be immediately reflected. As a result, only part of this balance may be available for withdrawal. The Current Balance does not include checks or payments, including debit card transactions, that you have initiated but have not yet cleared your account.

Available Balance means the amount of money that can be withdrawn at a point in time. The Available Balance will be less than the Current Balance when there are pending transactions such as:

Funds held from deposits: These funds have been deposited, but are not yet fully available for withdrawal or transfer.
Funds held for debit card authorizations: This reflects merchant-authorized requests for payment, when the final charge has not been submitted by the merchant. ATM and PIN-based debit card transactions usually post the same business day and other everyday signature-based debit card transactions usually post within 4 business days. This means that your available balance may not accurately reflect pending debit card authorizations until the transaction is received by us and paid from your account (i.e., posted). Even though we may increase your Available Balance when a merchant does not submit the transaction for payment in a timely manner, the obligation to the merchant still applies.
Any other holds on funds in your account.

The Available Balance does not reflect every transaction you have initiated or previously authorized. Items that may not be reflected in your Available Balance include, but are not limited to:

Outstanding checks and authorized automatic withdrawals (such as recurring debit card transactions, transfers, and ACH transactions that we have not received for payment or processing).
The final amount of a debit card purchase. For example, we may authorize a purchase amount from a gas station, but the authorized amount may be different from the final charge.
Scheduled bill payments or other direct payments to other people that have not yet been processed.
Debit card transactions that have been previously authorized but not sent to us for payment from your account where we have released the transaction authorization hold and the transaction is sent for payment from your account at a later date.

North Shore Bank authorizes and pays transactions using the Available Balance in your account. If you have Standard Coverage, the Available Balance for checks, ACH items, and recurring debit card transactions includes the amount of the Overdraft Privilege limit and any available Overdraft Protection. The Available Balance for ATM and everyday debit card transactions on accounts includes any available Overdraft Protection, but does NOT include the Overdraft Privilege Limit. For accounts with Extended Coverage, the Overdraft Privilege Limit is included in the Available Balance for authorizing ATM and everyday debit card transactions.

An easy way to keep track of your transaction history is to enroll in Online Banking or the Mobile App if you are not already enrolled.

You can change your PIN in our Mobile App or within Online Banking. In the Mobile App, access your account and tap “Cards” and then select “Set PIN”. Within Online Banking, log in to your account, click “Manage Cards” and select “Set PIN”.

Or you can call 1-800-992-3808.

With our 43 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.

eStatements are free electronic statements that can be accessed within the Mobile App or Online Banking. When you sign up for eStatements, your paper statements are automatically stopped.
If you do not have estatements, enroll today using the Mobile App or Online Banking. You’ll get

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 statements to save on your computer or print
Reduced risk of compromised account information due to mail theft
No more shredding of paper statements

North Shore Bank offers FHA and VA loans in the state of Wisconsin and Illinois.

Mortgage Home Loans

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 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.

Loan payments can be made online, at a Video Teller or branch office, by ACH, 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

Automatic Payments (ACH)
To set up an automatic monthly transfer from your bank, download and complete the Automatic Payment form (Opens external PDF) and send to:

North Shore Bank
ATTN: ACH Department
15700 W. Bluemound Road
Brookfield, WI 53005

In-person/Over the Phone
Payments can be made Monday through Saturday at any of our offices or Video Tellers or on-demand by calling 877-672-2265.

Payments made after 5:30pm CST Monday through Thursday will post the following business day
Payments made after 5:30pm 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

If you do not typically have automatic payments (ACH) come out of your account, you will not see any changes. If you do have automatic payments, these payments will now be posted to your account when the bank receives them throughout the day. It will be important to make sure you have sufficient funds in your account before transactions post. View details regarding our Order of Process. (Opens external PDF)

When registering online to pay your North Shore Bank loan or mortgage, you will need to provide the following information

The loan or mortgage account number for the loan you are making a payment on
The account number and routing number of the account you will be using to fund your payment.

It’s important to make sure both numbers are accurate to ensure a smooth payment process.

eBills are an important part of North Shore Bank’s Bill Pay. These documents are simply bills delivered electronically to you, rather than mailed.

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

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.

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.

To get an online copy of your statement, log into Online Banking (web-based) or the Mobile App and access eStatements.

Otherwise, you can visit your nearest North Shore Bank office to request a statement copy.

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!

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.

Please keep in mind you may be charged fees when using your debit card internationally.

Currency Conversion Assessment Fee which is 0.2% of your transaction amount and may be charged for performing the currency conversion.
ICBA or Issuer Cross-Border Assessment Fee which is 0.9% of your transaction amount.

You can set up your debit card for travel outside your normal footprint, including anywhere in the U.S. or internationally using any one of these methods:

Using the Mobile App, select Cards, then Manage Travel Plans.
In Online Banking, select Manage Cards, then Manage Travel Plans.
Or within Online Banking (web-based) and select Settings, then Security Center, then Travel Notice. Simply provide the requested information.

Of course, you can also contact Customer Support at 877-672-2265 during business hours and provide us with your travel details. Outside of business hours, please call 888-437-0103, available 24/7.

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.

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.

The Greenlight debit card can be used almost anywhere Mastercard is accepted, online and in-store. “Almost,” because our cardholders are kids, and so there are important guardrails in place. Greenlight also works internationally in 150+ other countries, with no foreign transaction fees. No need to let us know if you travel abroad – you’ll have enough to remember.

You can set up your debit card for travel outside your normal footprint, including anywhere in the U.S. or internationally using any one of these methods:

Using the Mobile App, select Cards, then Manage Travel Plans.
In Online Banking, select Manage Cards, then Manage Travel Plans.
Or within Online Banking (web-based) and select Settings, then Security Center, then Travel Notice. Simply provide the requested information.

Of course, you can also contact Customer Support at 877-672-2265 during business hours and provide us with your travel details. Outside of business hours, please call 888-437-0103, available 24/7.

For those enrolled in eStatements by December 31 of the tax year, your 1099-INT, 1099-MISC, 1042-S, and 1098 tax forms will be available electronically in January of the following year.

If you enroll in eStatements after December 31 of the tax year (but before the tax documents are distributed), you can access your tax forms electronically and your tax forms will be mailed to you by the end of January.

If you are not enrolled in eStatements, paper tax forms will be mailed to you by the end of January.

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.

https://help.quicken.com/pages/viewpage.action?pageId=3217134

To refinance, simply apply for a car loan online now. The online form is easy to complete, and one of our bankers will contact you after you submit your application. The best part is you can apply for your car loan anytime, anywhere.

Refinancing your auto loan may reduce your monthly payment and the amount of interest you’ll owe over the life of the loan.

Our auto loans come with the best terms – yours.

Competitive rates with terms from 12-72 months
No annual fees
No application fees
Convenient repayment options by transfer, ACH, and Bill Pay

Check out our auto rates and apply today. Or stop by or call your nearby branch.

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.

The daily cut-off time to submit a payment is 5:30pm Central.

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!

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

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:

In the Mobile App, select Cards, then Controls & Alerts. Or in Online Banking, Select Manage Cards, then Controls & Alerts. Once in the Alerts tab, you can set alerts for all transactions, no transactions, or selected transactions.

Within Card Manager, you can also lock and unlock your card, set travel plans, report your card lost or stolen, and more.

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.

You should discuss and plan any actions with your tax professional to ensure that it in your best interest.

You received a call due to suspicious activity on your debit card.

Learn more about how to protect yourself from scams with our Fraud Prevention Resource Center.

To log off of Online Banking select the ""Log Out"" option.

To check the status of a loan application please contact your Personal Banker or Loan Officer.

Find a North Shore Bank office near you.

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.

The maximum-allowed payment through the online loan payment service is $4,000.

Bill Pay can only be used with a checking account. You must also enroll in Online Banking or the Mobile App to access Bill Pay.

Message and data rates may apply when using the Mobile App.

Escrow shortages are collected over the next year. One-twelfth of the shortage will be collected each month, most likely beginning in April.

There could be many reasons why your check bounced. For security reasons you must contact Customer Support at 877-672-2265.

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.

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.

You can activate your card within My Card Manager in the Mobile App or Online Banking. In the Mobile App, access your account and tap “Cards” to get started. Within Online Banking, log in to your account and then click “Manage Cards”.

Or you can activate your card by calling 1-800-992-3808. When prompted, enter the following information:

Your new card number
The 3-digit Card Verification Code (CVC) on the back of your new card
The last 4 digits of your Social Security Number
Your 5-digit zip code (the address where the card was mailed)

You can also follow the prompts to set up your PIN after your card activation is complete.

To request a duplicate lien release, complete this form and we will get back to you.

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.

Visit your local office or contact Customer Support at 877-672-2265.

If your card is lost or stolen, you can lock your card using our Mobile App or Online Banking to prevent unauthorized transactions. However, you should still call 888-437-0103 as soon as possible. This number can be reached 24/7.

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.

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.

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).

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.

In most cases we are able to respond to your loan application within the same business day.

Loans and Home Equity Lines of Credit

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.

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.

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".

Exchange rates are calculated in global currency markets and can fluctuate.

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

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.

10 business days after the payoff 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.

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.

No, you will not be charged a fee for making a payment through the online loan payment service.

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.

To transfer money from one North Shore Bank account into another North Shore Bank account, 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.

External transfers in the Mobile App and Online Banking let you move money between your North Shore Bank personal deposit accounts and your personal deposit accounts at other financial institutions in just a few clicks. On the Mobile App, select Transfer & Pay and then select Make an external transfer. In Online Banking select More actions, then select External Account Transfer. For transfers that you want repeated, click on Make Recurring.

Message and data rates may apply when using the Mobile App.

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 prefer.

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!

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 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

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: Loan Payoff Dept.
15700 W Bluemound Rd
Brookfield, WI 53005

RV, Boat or Auto Loan North Shore Bank
Attn: Loan Payoff Dept.
15700 W Bluemound Rd
Brookfield, WI 53005

Before you can set up SMS eAlerts in Online Banking, you will need to enroll in the Mobile Banking service and enable Alerts within your settings.

To enable eAlerts on the Mobile App, log in and then select Manage Alerts. Turn on push notifications.

Next log in to Online Banking, and click on Settings, Security Center, then Account and Security Alerts. You can select from email and mobile delivery options when creating or editing an eAlert.

You do not need to purchase your vehicle from a dealership. We finance private sales and would be happy to assist you.

Apply for your car loan today! The online form is easy to complete and one of our bankers will contact you after you submit your application. The best part is you can apply for your car loan anytime, anywhere.

Our auto loans come with the best terms – yours.

Competitive rates with terms from 12-72 months
No annual fees
No application fees
Convenient repayment options by transfer, ACH, and Bill Pay

Check out our auto rates and apply today. Or stop by or call your nearby branch.

When you are issued a new debit card, you’ll need to update the expiration date and CVC wherever you have your debit card saved for payments, on file with online retailers, within your digital wallet, or for subscriptions.

You can review your monthly checking statement to identify your debit card payments. Or access Card Manager within the Mobile App or Online Banking to see where your card is used for recurring payments or where you have it saved as a Card on File.

Also remember to update your card information in your digital wallet on your smartphone, tablet or smartwatch, such as Apple Pay, Google Pay and Samsung Pay.

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).

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

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).

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.

/locations

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.

Just visit our website to find North Shore Bank’s current auto loan rates.

We’d love to finance your next vehicle purchase. Apply online now. The form is easy to complete and one of our bankers will contact you after you submit your application. The best part is you can apply anytime from anywhere.

Our auto loans come with the best terms – yours.

Competitive rates with terms from 12-72 months
No annual fees
No application fees
Convenient repayment options by transfer, ACH, and Bill Pay

Check out our auto rates and apply today. Or stop by or call your nearby branch.

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.

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 first or second 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.

When your new card arrives, activate it in our Mobile App or within Online Banking.

It’s always a good idea to make sure we have your current mailing address on file. Learn more about updating your contact information.

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.

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

To sign up for the Mobile App, download and install the North Shore Bank Personal Mobile App 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 the Mobile App or Online Banking (web-based).

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.

If you are using a North Shore Bank debit card, please contact Customer Support at 877-672-2265. Otherwise contact the bank that issued the card.

For security reasons, please call our Customer Support Team at 877-672-2265 regarding your debit card.

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.

Stay up-to-date with your account with North Shore Bank Account Alerts. 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, and click on Settings, Security Center, then Account and Security Alerts.

Learn more about Online Banking.

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.

Mortgage and Home Equity Line of Credit (HELOC)
Please contact Customer Support at 877-672-2265 to request the payoff amount for a Mortgage and Home Equity Line of Credit (HELOC).

Personal and Auto Loans
Please contact Customer Support at 877-672-2265 to request the payoff amount for a personal loan and auto loan.

RV and Boat Loans
Obtaining a payoff amount for your RV or Boat loan can be found in Online Banking. It’s fast and easy!

Log in to North Shore Bank Online Banking (web-based). If you’re not already enrolled, you’ll need your social security number, loan account number, date of birth and zip code.
Click on the three vertical dots alongside the blue “Pay” button
Select “Account Information” from the option menu
Look for the “Estimated PayOff Amount” field. NOTE: the payoff amount listed is only valid for that day.
To pay off your loan on a future date, add the “Per Diem Interest” (Interest Per Day) amount to the Estimated PayOff Amount for each additional day (including the payoff date).
You may provide the Estimated PayOff Amount to your dealer, financial institution or insurance company requesting the payoff.

You may also contact Customer Support at 877-672-2265 to request the loan payoff amount for a boat or RV loan.

You can sign up for Online Banking from your desktop computer, tablet device, or smartphone.

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 App.

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

Your temporary digital debit card allows you to access your debit card electronically for up to 30 days while you wait for your physical card to arrive in the mail.

You can use this temporary card for one-time payments or add it to your Apple Pay® or Google Pay™ wallet.

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

Enrolling in eStatements – Online Banking (Web-based)

After logging into Online Banking, select an 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.

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.

You can find your interest rate on your monthly loan statement or in Online Banking or the Mobile App.

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
P.O. Box 3287
Coppell, TX 75019
Fax: 781-236-6352

Home Equity Line of Credit (HELOC)
North Shore Bank
P.O. Box 3287
Coppell, TX 75019
Fax: 781-236-6352

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.

To transfer money from one North Shore Bank account into another North Shore Bank account, 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.

External transfers in the Mobile App and Online Banking let you move money between your North Shore Bank personal deposit accounts and your personal deposit accounts at other financial institutions in just a few clicks. On the Mobile App, select Transfer & Pay and then select Make an external transfer. In Online Banking select More actions, then select External Account Transfer.

Message and data rates may apply when using the Mobile App.

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 App, simply select Statements & Documents below the account list and then click View Statement.

Take a tour of eStatements.

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.

Your PIN (Personal Identification Number) is created at account opening or when a new card is set up. You can change your PIN in our Mobile App or within Online Banking. In the Mobile App, access your account and tap “Cards” and select “Set PIN”. Within Online Banking, log in to your account, click “Manage Cards” and select “Set PIN”.

To change your PIN, you can also call Card Services at 1-800-992-3808.

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.

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.

Freddie Mac is a public government-sponsored enterprise that purchases conventional mortgages from insured depository institutions and HUD-approved mortgage bankers.

If you are enrolled in eStatements, you can view select tax documents electronically.

To view your statements from the Mobile App, simply select Statements & Documents below the account list and then click "View Associated Notices & Year-End Tax Forms".

In Online Banking, log in and select a specific checking, savings, or loan account, and then select "Online statements" from the Account Details page. Available tax documents will be displayed after clicking "View Associated Notices & Year-End Tax Forms" for the associated account.

If you're not currently enrolled in eStatements, log into the Mobile App or Online Banking, select the account you want to enroll, and click "Online statement" to get started.

Take a tour of eStatements.

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 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.

/learning-center/personal-financial-tools/financial-calculators

View a comparison of our debit cards

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.

The balances for your accounts are updated every time you log in to your accounts online.

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.

The bank cannot dispute “pending authorizations”. Only authorized debit card transactions that have cleared and posted to your account can be disputed.

If you have any immediate concerns about a pending charge, contact the merchant directly.

View Debit Card Rules.

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.

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

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 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!

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.

The information in your Online Banking account is very secure. We use multiple layers of security to protect your information including:

Password protection
Internet firewalls
128-bit encryption
Multifactor authentication

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.

When your eStatement is ready, you will receive a notification email directing you to log in to your account to view the new statement.

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.

If the overage amount is equal to or greater than $50 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 $50, it will remain in your escrow account.

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 log in 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.

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.

/personal/home-mortgage-loans/wisconsin-loan-officers

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.

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.

Checking, savings, money market, and certificate of deposit accounts that are enrolled in eStatements are eligible for an electronic 1099-INT, 1099-MISC, or 1042-S.

Additionally, mortgage loans and home equity lines of credit (HELOC) that are enrolled in eStatements are eligible for an electronic 1098.

If you're not currently enrolled in eStatements, log into the Mobile App or Online Banking, select the account you want to enroll, and click "Online statement" to get started.

Take a tour of eStatements.

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 (HELOC) 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 account
Can provide lower interest rates than credit cards

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 home
Show real estate agents that you’re ready to buy, resulting in hot leads on homes just coming on the market
Offer sellers a fast and easy sale, setting your offer apart from other buyers

Above 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.

View a list of operating systems and web browsers that are supported with 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

View a list of operating systems and web browsers that are supported with Online Banking.

To reset your password for Online Banking, visit the Reset Password page and follow the instructions in the email.

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.

"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).

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.).

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.

1099-INT, 1099-MISC, 1042-S, and 1098 forms will be available electronically to customers enrolled in eStatements.

If the total combined amount of interest earned for your accounts is $10 or greater, a 1099-INT, 1099-MISC, or 1042-S will be produced for each account that earned interest and/or received a promotional interest credit. Only accounts with the same primary tax ID number and ownership are used to determine total combined interest earned for the tax year.

If you’re currently enrolled in eStatements, log into the Mobile App or Online Banking, select the account you want to enroll, and click “Online statement” to get started.

Take a tour of eStatements.

answer

https://www.northshorebank.com/pdfs/home_equity_line_of_credit_-_documentation_checkli.aspx

Auto Loan Application Checklist

View our current Statement of Financial Condition.

The Corporate Transparency Act requires many companies doing business in the United States to report information about the individuals who ultimately own or control them. The law was passed to curb illicit finance and protect U.S. national security. Learn more.

HELOC Application Checklist

Mortgage Application Checklist

A question is something that you don't have an answer to.

Does the 4 Percent Rule Still Work?

FAQs

How do I enroll in Zelle®?

How do I enroll in and use Bill Discovery?

Can I schedule an appointment at a branch online?

How many transactions show within My Card Manager?

I set a spend limit on my debit card of $100 per transaction, but my debit card is denied at some gas stations. Why?

Am I required to keep a certain balance in my checking or savings account to avoid a fee?

How do I enroll in Zelle®?

I completed the process to open a deposit account online. What's next?

What does it mean that my HELOC is maturing?

Can I send Account Alerts to multiple email addresses or mobile phones?

Can I add other financial institutions’ debit or credit cards to My Card Manager?

Can I use the Mobile App or Online Banking to transfer money to another person’s account?

Can existing Greenlight customers be added to the program?

Are there fees when using my debit card internationally?

Can I dispute errors on my credit report through My Credit Score?

Do you offer credit card rewards?

How do I enroll in and use Bill Discovery?

Can I schedule an appointment at a branch online?

Can I share my Online Banking username with another person/account holder?

Why is my mobile device no longer compatible with the Mobile App?

Can I cancel my insurance?

ACH Instructions for Business Online Banking

Are IRA recharacterizations still allowed?

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?

Can I mail a check for deposit into my account?

Are my Digital Wallet purchases covered by Fraud Protection?

Are there any service fees for ATM withdrawals?

Are connections to third party sites secure through the website?

How do I remove a card from Apple Pay?

How are my Section 457 distributions paid to me when I retire?

Apply for your motorcycle loan online today

How do I get the best image of the check using Mobile Deposit?

If I want to trade in my current leased vehicle, do I have to return to the original dealer?

Can I add my debit card to my digital wallet?

What are your current Business Account fees?

How long will it take for funds transferred via the Mobile App to be made available?

Am I required to register before sending a payment with the online loan payment service?

Are there tax advantages to having a Health Savings Account?

Do you offer a Bank On account?

How do I find my child’s account number?

Is there a minimum age to enroll in Zelle®?

Can I dispute a pending debit card transaction?

Do you offer a checking account without overdraft fees?

How do contributions to an HSA work?

Where can I find current/open job opportunities with North Shore Bank?

How do I add the Mobile App to my new phone?

Can I make a direct withdrawal from a bank other than North Shore Bank to make my lease payment?

How does Mobile Deposit work?

Are there closing costs associated with a Home Equity Line of Credit?

How do I use Apple Pay?

May I participate in a Section 457 plan in addition to other retirement plans?

Can I change my statement date?

Can I deposit coins in a branch?

Can I make cash deposits at an ATM?

Can I print my statement from the Mobile App or Online Banking?

Do I have to pay a fee to cash a check in a North Shore Bank branch if I do not have an account?

Do you offer business loans?

Do you offer signature guarantees?

Business Online Banking Quick Tips

Get an instant life insurance quote today.

How can I apply for a credit card online?

Can I use the same secure code every time?

Can I download my credit report in My Credit Score?

Can friends and family send my kids money using Greenlight?

I transferred money to/from an external account. How quickly will my transferred funds appear in my account?

How many transactions show within My Card Manager?

How do I sign up for account alerts?

What are my options when my HELOC matures?

I would like to open an account online. How do I make the initial deposit?

How do I know what my HELOC balance is?

Can I specify a time/times when I don’t want to receive account alerts?

How do I make a deposit at an ATM?

I set a spend limit on my debit card of $100 per transaction, but my debit card is denied at some gas stations. Why?

Is there a fee to use the Personal Mobile App or Online Banking to transfer money to an external account?

Can I send money to my child’s Greenlight card from the North Shore Bank app or website?

Can I unenroll from My Credit Score?

How can I make a credit card payment?

What is Zelle®?