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We get a lot of questions about home buying, and here are a few that stand out as our "top five":
To help provide answers to these questions is Susan Liedel, one of our Mortgage Loan experts!
View the transcript for this episode.
Show notes:
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.
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.
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.
Yes, there are two fees you may see on your checking account statement.
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:
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, 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 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.
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.
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.
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 “3rd Party” icon next to the linked copy. This is meant to let you know that you are leaving our site. When you are on our site we can assure that you are safe, however, we cannot guarantee the safety of other sites.
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.
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.
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).
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:
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.
Yes, we offer a unique account that helps you build your financial IQ without worrying about overdrafts. Learn more about Balance Checking.
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:
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.
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.
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.
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
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.
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.
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.
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.
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:
How to add your North Shore Bank debit card to Google Pay:
Additional information:
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.
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 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.
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.
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.
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.
Yes, you should sign the back of your debit card for security purposes.
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:
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)
Enrolling in eStatements – Mobile App
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.
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:
Manually add your North Shore Bank debit card to Apple Pay:
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
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.
Account alerts are real-time and will be sent to you as soon as possible after the transaction has occurred.
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.
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:
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 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.
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:
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.
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.
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:
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.
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.
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.
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.
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®:
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.
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.
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.
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.
You can send, request, or receive money with Zelle®.
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®.
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:
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:
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.
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.
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:
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 AppFootnote 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.
For information on account fees, please view the current Personal Account Fee Schedule.
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:
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:
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.
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.
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:
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.
Review North Shore Bank’s top ten financial security tips to help keep you and your money safe.
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.
Obtaining a payoff amount for your RV or Boat loan can be found in Online Banking. It’s fast and easy!
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:
Keeping your money and information safe is a top priority for North Shore Bank. When you use Zelle® within the Mobile AppFootnote 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.
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.
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.
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.
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-deductibleFootnote 1
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-freeFootnote 2
North Shore Bank Certificates of Deposit are FDIC insured
No requirement to withdraw a minimum amount at any age
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.
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:
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.
A conversion recharacterization is the reversal of an IRA conversion, such as from a Roth IRA back into a Traditional IRA.
A contribution recharacterization allows you to change the contributions original designation and treat a regular contribution made to a Traditional IRA or a Roth IRA as having been made to the other type.
If 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 minutesFootnote 1.
If you have not yet enrolled with Zelle®, follow these steps:
1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®.
You can transfer your email address or U.S. mobile phone number in Zelle®. During enrollment, you'll see a prompt notifying you that the email address or mobile phone number is already enrolled at another financial institution. You'll be asked to confirm that you want to complete the transfer and then to verify your email address or U.S. mobile phone number.
If you experience issues transferring Zelle® to North Shore Bank, contact North Shore Bank Customer Support at 877-672-2265.
Once the system or Customer Support moves your email address or U.S. mobile phone number, it will be connected to your North Shore Bank account so you can start sending and receiving money with Zelle® through 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
For your protection, there is a daily spending limit of $5,000 as long as the money is available in your account. ATM machine withdrawals have a daily limit of $500, which is subject to change based on individual ATM machines. This limit also includes an additional $15.00 to cover any ATM fees assessed for a total spending limit of $5,515.00.
If you are going to make a purchase over the $5,000 daily limit, call the number on the back of the card or North Shore Bank Customer Support, to request a limit increase.
HSA Debit Cards
For your protection, there is a daily spending limit of $2,000 as long as the money is available in your account. ATM machine withdrawals have a daily limit of $500, which is subject to change based on individual ATM machines. This limit also includes an additional $15.00 to cover any ATM fees assessed for a total spending limit of $2,515.00.
If you are going to make a purchase over the $2,000 daily limit, call the number on the back of the card or North Shore Bank Customer Support, to request a limit increase.
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:
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.
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.
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:
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.
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.
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:
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.
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.
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.
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-deductibleFootnote 1
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-freeFootnote 2
North Shore Bank Certificates of Deposit are FDIC insured
No requirement to withdraw a minimum amount at any age
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)
There is no cost to use Bill Pay for personal accounts.
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.
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:
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.
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-deductibleFootnote 1
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-freeFootnote 2
North Shore Bank Certificates of Deposit are FDIC insured
No requirement to withdraw a minimum amount at any age
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)
We do not offer payday type loans.
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.
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.
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.
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:
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:
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:
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
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
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.
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
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.
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.
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:
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:
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.
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:
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.
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.
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:
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.
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:
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.
Financing a home of your own might seem like only a dream. But dreams can come true with these basic tips.
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:
You can also follow the prompts to set up your PIN after your card activation is complete.
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.
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.
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.
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.
Exchange rates are calculated in global currency markets and can fluctuate.
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 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!
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
To sign up for Bill Pay, simply log in to Online Banking or the Mobile App to get started
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.
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.
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.
Log in to Online Banking or the Mobile App and select the Pay Bills or Payments option to get started.
Making bill payment fast, free, and (almost) fun!
Our free personal online bill pay service is available for all North Shore Bank checking customers who use Online Banking or the Mobile App that want to save the time, hassle and postage costs of paying bills by mail.
What's in it for you:
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.
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:
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:
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.
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:
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!
Click on the three vertical dots alongside the blue “Pay” button
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:
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.
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.
Enrolling in eStatements – Online Banking (Web-based)
Enrolling in eStatements – Mobile App
You are now enrolled in eStatements.
eStatement features include:
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.
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.
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.
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.
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®
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.
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:
You’ll find a variety of home financing options on our mortgage home loans page, including:
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
Why you might prefer a 15-year term
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:
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 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.
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:
An adjustable rate mortgage might be better if you:
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.
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:
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:
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.
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.
Online transfers made using Online Banking or the Mobile App are processed during the following days/times.
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.
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