Can you send a 10-day loan payoff quote to my bank or credit union?

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

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

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

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

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

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.

To add the North Shore Bank Mobile App to your phone,  install the North Shore Bank personal banking app by downloading directly from the Apple App Store or Google Play Store. Log in to the Mobile App using your username and password.
 
If this is the first time you are accessing your North Shore Bank accounts in Online Banking (web-based) or the Mobile App, you’ll need the following information to complete the enrollment process:  

• Social Security Number
• Your 10-digit account number (checking or savings), including any leading zeros and excluding dashes
• Date of birth
• Zip code

 
Once you have submitted this information, you will be able to create your unique username and password and establish your security challenge questions.
 
When your enrollment is complete, you will be able to access your North Shore Bank accounts in Online Banking (web-based) or the Mobile App.

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

You can use the North Shore Bank Mobile App to transmit an electronic image of the check, thereby depositing the funds into your checking account. We'll store the check images online for secure, accurate, and efficient record keeping.
 
To use Mobile Deposit, take a picture of the front and back of your endorsed check.  Be sure to include "Mobile Deposit" with your endorsement. View a quick demo.

You may submit your mobile deposits at any time and may include one check in a single deposit. Currently, you can submit as many personal or business deposits as you need to each business day, up to $3,500 per user.* Limits on Saturday and Sunday are $3,500 for both days. If your deposit needs exceed this limit, please contact us.

*We do reserve the right to impose limits on the amount and number of transactions and to modify limits from time to time. Please refer to the Terms and Conditions for additional details.

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

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

Loans and Home Equity Lines of Credit

Yes, we will pull a credit report to calculate the best option. Though a credit report is helpful in the decision-making process, it’s not the only record we review that determines decision.

Loans and Home Equity Lines of Credit

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

When you apply for a mortgage at North Shore Bank, you can also take advantage of other products to save money and increase your financial flexibility.

For example, you’ll get a discount on closing costs for a new mortgage loan when you open a North Shore Bank checking account.

And every eligible mortgage applicant is also considered for a home equity line of credit at no obligation – offering an essential tool for financial flexibility and peace of mind in your new home.

• Instant buying power for major expenses, no questions asked 
• Easy access with funds transferred directly to your North Shore Bank checking account
• Lower interest rates and easier payments than credit cards 
• Less impact on your monthly cash flow

There’s more to your financial picture than a mortgage, so at North Shore Bank we offer more ways to benefit. Contact our loan professionals to learn more, or call us at 877-677-2265.

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. 

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.

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.

To help prevent overdrafts from occurring, we offer Overdraft Protection, which will automatically transfer funds from another North Shore Bank account that you own to cover the balance. Learn more about this service or visit your neighborhood North Shore Bank branch to sign up today. Overdraft and other account-related fees can be found on our Personal Accounts Fee Schedule or Business Accounts Fee Schedule.

You can set up bills to be automatically paid using Bill Pay. 

Making bill payment fast, free, and (almost) fun!

Our free personal online bill pay service is available for all North Shore Bank checking customers who use Online Banking or the Mobile App that want to save the time, hassle and postage costs of paying bills by mail.

What's in it for you:

• Free personal online bill payment service
• Eliminates all or most check writing and saves you money on postage
• Pay anyone or any company, from the kid that mows your lawn to the utility company
• Eliminate more paper mail with eBills and eStatements
• You must have a North Shore Bank checking account and Online Banking or the Mobile App
• Take a tour of Bill Pay's benefits

To sign up for Bill Pay, simply log in to Online Banking or the Mobile App to get started

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

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:

1. Get pre-approved online. Obtaining pre-approval often takes just a few minutes, but it can save a week or more once you’ve made your offer and begun the closing process.
2. Gather documentation early. Learn which documents you’ll need for closing and track them down now, so you won’t be waiting anxiously later.
3. Be complete. Our loan underwriters will need every last page of documentation (even the blanks) to establish your complete financial record. When in doubt, include it.
4. Get your gift early. If a family member is helping with your down payment, deposit it in your bank account more than two months before you apply.
5. Be honest. Omissions on the initial application are the #1 reason for delays, so be upfront about problem areas. We’re here to find and close a loan for you – not to judge you.
6. Avoid big changes to your finances. Don’t apply for new credit, get a car loan or make big purchases. Also, avoid a job change if possible. It can raise red flags that slow your loan.
7. Communicate quickly. Commit to checking your phone regularly, setting email alerts or doing whatever it takes to be responsive.
8. Set a timeline with your seller. If your offer is accepted and the seller must fix certain issues, get it in writing with a mandatory completion date.

Working closely with North Shore Bank can help you move in ASAP, so contact us today or call 877-672-2265 to get other tips for a speedy closing.

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.

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.

You may view our interest rates at any time. You can also set up a rate alert to be notified when mortgage rates change.

Mortgage Home Loans

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.

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.

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.

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.
 

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.

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

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

Loan amounts with a loan-to-value greater than 80 % require an escrow account for the payment of real estate taxes and insurance. Borrowers with a loan-to-value less than 80% may request to waive the escrow account requirement and pay these items themselves with the lenders' approval.

Yes, anybody can pay off the loan, although the title rights and/or responsibilities are solely of the party listed on the title and loan, unless otherwise specified.

For loan payoff information please contact Customer Support at 877-672-2265.

Many homeowners refinance with North Shore Bank to reduce monthly payments, slash years off their loan term, get cash out and save many thousands of dollars in interest.

Refinancing your home often makes financial sense if:

• You can save at least a point or two off your current interest rate
• Your credit score has improved and you qualify for a lower rate
• Your financial situation has changed and you need lower payments – or you can now afford larger payments

A good place to start is by checking our rates and comparing them to your current mortgage. You might end up pocketing big savings over the life of the loan, or owning your house free and clear much sooner. Use our refinancing calculator to assess potential savings and break-even points.

To find out more, apply online with no obligation. Refinancing with North Shore Bank is quick and easy, with no appraisal required, and our loan officers are happy to discuss your options.

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.

Mortgage and Home Equity Line of Credit (HELOC)

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

Personal and Auto Loans

You may call Customer Support at 877-672-2265, and verbally authorize a payoff statement be sent to your financial institution. If the financial institution or insurance company is making the request, they must send a written payoff request with a signed customer authorization. These requests may be faxed to 262-787-5722. Quotes for consumer and auto loan payoffs are good for 10 days.

RV and Boat Loans

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

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

You may also call Customer Support at 877-672-2265, and verbally authorize a payoff statement be sent to your financial institution. If a dealer, financial institution or insurance company is making the request, they must send a written payoff request with a signed customer authorization. These requests may be faxed to 262-787-5722. Quotes for boat and RV loan payoffs are good for 10 days.

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.

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.

Loans and Home Equity Lines of Credit

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

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.

North Shore Bank does offer home equity lines of credit for our customers to buy vehicles, consolidate bills, or pay off other debts. The first step is to apply online or call one of our Personal Bankers at an office near you.

Loans and Home Equity Lines of Credit

Yes, North Shore Bank offers first-time homebuyers great rates on a variety of flexible mortgage programs – even if you can’t afford a big down payment or high monthly payment.

Just as important, our local mortgage professionals are happy to personally assist you. We can explain your home financing options, refer you to proven real estate agents or use our experience and local contacts to help you get comfortable with the home buying process.

Here are a few smart ways to get started:  

• Contact a mortgage loan professional near you for a free consultation and answers that can help you start off on the right foot
• If you’re already shopping, use our mortgage calculators to estimate payments and get the best deal
• Find the interest rate you want automatically, by signing up for email rate alerts
• Get pre-approved online in minutes and increase your bargaining power at no cost

Buying your first home can be intimidating, but we’re here for you every step of the way – providing exceptional service and clear, helpful answers to all your questions.

We do not offer payday type loans.

Loans and Home Equity Lines of Credit

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.

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

Mortgage Home Loans

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

Online Payments

• Visit our Pay Your Loan service and follow the on-screen instructions. If you choose to set up a username and password, you will be able to access special features, such as the ability to set up recurring payments.
• Customers who have a North Shore Bank checking, savings or money market account can utilize Online Banking or the Mobile App to make a loan payment via account transfer.

Mailing Your Payment
When mailing your payment to the address below, please include your loan account number:

North Shore Bank
PO Box 8871
Carol Stream, IL 60197-8871

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

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

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

• Payments made after 5:30pm CST Monday through Thursday will post the following business day
• Payments made after 5:30pm CST on Friday will post on Monday
• One time on-demand verbal loan/lease payment fee $10.00
• On-demand, pre-authorized loan/lease payment fee $5.00

Loan qualifications differ depending on which loan you are applying for. The best way to find out if you qualify for a loan is to apply.

Loans and Home Equity Lines of Credit

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.

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

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

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

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

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

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

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

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. 

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

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

Visit our mortgage rates page and you can see our loan options at a glance. But keep in mind that a smart mortgage is a lot more than numbers, terms and APRs.

Because mortgage rates can vary daily and are subject to change, connecting with us is the easiest way to make sure that you have the latest information. More important, we can sit down together and discuss the many factors that affect your overall loan cost. For example, locking in that “lowest possible rate” could ultimately cost you more in interest points.

To find the best loan and not just the best rate, simply:

• Contact our experienced loan professionals online 
• Call 877-672-2265 to schedule a free consultation 
• Use our mortgage payment calculators to see how different rates and terms translate into monthly payments and interest costs

Talk to a North Shore Bank mortgage professional or get pre-approved online in minutes. You’ll learn how much home you can comfortably afford – and you might be pleasantly surprised!

If you would like to apply for a loan to refinance your current home equity line of credit, please complete an online application or call an office near you.

Loans and Home Equity Lines of Credit

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.

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

Find a North Shore Bank office near you.

Financing a home of your own might seem like only a dream. But dreams can come true with these basic tips.

1. Document your finances. Look at how you spend your paycheck, including credit card or student loan payments. If you can keep your monthly debt obligations below 43% of your income, you have a better chance of qualifying for a mortgage.
2. Don’t put it off. It costs nothing to meet with our mortgage professionals and decide if you’re ready financially. We can also show you mortgage programs that might fit your unique needs. 
3. Maintain good credit. If your credit score is around 620 or below, talk to us about ways you can raise it before applying for a mortgage.
4. Avoid new debt. Don’t get new credit cards or make big purchases with plastic that can drive down your credit score.
5. Save toward a down payment. A down payment of just 5% can make all the difference in getting approved if your credit score isn’t the best.
6. Find a co-signer. If you can’t qualify for a mortgage on your own, having a co-signer can help compensate for less-than-perfect credit.

At North Shore Bank we’re happy to help you start on the path to home ownership. Call us at 877-672-2265 today, or apply online for a mortgage right now.

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

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.

The rate for your Home Equity Line of Credit is based on the prime rate plus an established margin determined by your individual line of credit. The rate on your line of credit changes on the 1st day of the second month following any prime rate change. If your line of credit was opened prior to Jan. 1, 2006, it is based on the prime rate published in the Wall Street Journal Money Rates section on the third Tuesday of the month. If your line of credit was opened on or after Jan. 1, 2006, the rate on your line of credit will change when the prime rate changes in the Wall Street Journal.

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

Loans and Home Equity Lines of Credit

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.

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.

When you close on a mortgage, you may have the option of paying points in exchange for a lower interest rate that can reduce your monthly loan payments. If you’re not sure what points are or how they can affect your mortgage costs, here are some basics to help you decide.

A point is basically a measure of prepaid interest, equal to 1% (one point) of the total loan. For a $100,000 mortgage, that means an upfront cost of $1,000 per point.

Generally points are worth the cost if:

• You can save more on payments over the life of the loan than by putting the money into a bigger down payment
• You intend to stay with your home (and your mortgage) for a long time

You can use our mortgage points calculator to calculate your own savings. For example, paying two points to get a 4% rate on a $100,000 mortgage could save you $2,000 over 10 years. But if your plan is to sell your home after only four or five years, you’re better off putting the money into your down payment.

For all your mortgage options, contact a loan professional today or call 877-672-2265. At North Shore Bank we’ll help you maximize the value of your mortgage.

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

Apply for your car loan today! The online form is easy to complete and one of our bankers will contact you after you submit your application. The best part is you can apply for your car loan anytime, anywhere.
 
Our auto loans come with the best terms – yours. 

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

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

There are several definitions of "good credit". If you have had credit difficulties in the past, the best way to find out if we can assist you is to apply for a loan.

Loans and Home Equity Lines of Credit

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.

Just visit our website to find North Shore Bank’s current auto loan rates.
 
We’d love to finance your next vehicle purchase. Apply online now. The form is easy to complete and one of our bankers will contact you after you submit your application. The best part is you can apply anytime from anywhere.
 
Our auto loans come with the best terms – yours. 

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

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

After you apply for a home mortgage, we’ll ask you for a variety of documents in order to prepare your loan for closing. Having these papers ready can dramatically shorten your turnaround time and get you into your new home that much sooner:

• Income verification, including paycheck stubs and W-2 forms
• Tax documents for two recent years, including all tax return pages and schedules
• Bank and investment statements 
• Current profit-and-loss statements if you run your own business 
• Proof of rental property income going back two years, if applicable
• A gift letter from anyone providing cash toward your down payment, stating that the money is a gift rather than a loan

Depending on your situation, you may need to provide other documents as well. A quick talk with our loan professionals can make it clearer, so feel free to call us at 877-672-2265. We’ll help guide you through the home buying process with a minimum of red tape.

Your debit card will automatically reissue during the expiry month and year on the card (MM/YY). You can expect to receive your new card within the first or second week of the month your current card is set to expire. You can continue using your current card until the first day of the following month.

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

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

As soon as you complete your online mortgage application, one of our loan originators will review your request. Here’s what happens next:

• Our loan originator will contact you to answer questions or get any extra information needed for your application 
• A North Shore Bank application kit will be sent to you for completion while we prepare your loan for closing
• We’ll schedule an appraisal of your new home, using an experienced local professional
• To settle your home’s title insurance, we’ll work with your real estate agent or seller 
• Upon receiving your application kit, the home appraisal and title work, we'll contact you to arrange a closing date
• Before closing, your loan originator will review everything with you, so there are no surprises
• We’ll schedule your closing with the real estate agent and seller at the office of our local agent
• You’ll take ownership of your new home

At every step, a North Shore Bank loan originator will provide you with constant status updates and the fast turnaround you want. To see for yourself, get pre-approved today at no cost.

Depending on your credit profile will determine your interest rate. The better your credit the better your interest rate. North Shore Bank does not have risk based lending for non-business loans.

Loans and Home Equity Lines of Credit

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!
 

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

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

Likely the largest debt you'll ever take on, a mortgage is a loan to finance the purchase of your home.

Your home is collateral for the loan, which is also a legal contract you sign to promise that you'll pay the debt, with interest and other costs, typically over 15 to 30 years. To repay the debt, you make monthly payments that typically include the principal, interest, and taxes.

Mortgage Home Loans

A mortgage note (also known as a real estate lien note) is a promissory note associated with a specified mortgage loan; it is a written promise to repay a specified sum of money plus interest at a specified rate and length of time to fulfill the promise.

Mortgage Home Loans

Enrolling in eStatements – Online Banking (Web-based)

1. After logging into Online Banking, select an account.
2. Locate and select the Statements link (to the right of your green account balance tile). This will launch a new eStatements window, and your settings can be accessed there, from the Account Access link.
3. Next, you will be asked to read and agree to terms and conditions and be asked to view a PDF to check the capability of your computer.
4. After reviewing the Term and Conditions and viewing the PDF you will be asked to enter a code that was viewed on the PDF and enter that into the space provided as well as check a box to accept the Term and Conditions.
5. You will be given the option to select which accounts you would like to receive eStatements. 

Enrolling in eStatements – Mobile App

1. After logging in to the Mobile App, navigate to the More menu, then select Statements & Documents
2. Next, you will be asked to read and agree to terms and conditions and be asked to view a PDF to check the capability of your device.
3. After reviewing the Term and Conditions and viewing the PDF you will be asked to enter a code that was viewed on the PDF and enter that into the space provided as well as check a box to accept the Term and Conditions.
4. You will be given the option to select which accounts you would like to receive eStatements.

You are now enrolled in eStatements.

eStatement features include:

• Convenient access up to 18 months worth of statements
• Email notifications that let you know when your statement is ready
• Downloadable copies of your statement, to save on your computer or print, if needed
• No more shredding of paper statements
• Online statements to help protect you from identity theft
• Take a tour of our online services.

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.

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.

Home Equity Line of Credit (HELOC)

The monthly payment due is interest only.                                                                                                   

RV, Boat, Camper or Auto Loan 

Your billing statement amount due may be less than your contractual amount because of past additional payments you have made. Your loan allows you the ability to pay your account ahead without a penalty. 

For more details on how your payment is applied please contact Customer Support at 877-672-2265.

Mortgage Loan

Please contact Customer Support at 877-672-2265.  

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

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.

You’ll find a variety of home financing options on our mortgage home loans page, including:

• Fixed rate mortgages that securely lock in one low interest rate and monthly payment over the life of your loan
• Adjustable rate mortgages that can make a great home more affordable with lower upfront payments 
• Primary home mortgages with terms ranging from 3-to-30 years 
• Home equity lines of credit that let you finance improvements or get needed cash, using the value of your current home 
• No closing cost loans and non-qualified mortgage loans 
• Multi-family and commercial mortgage loans

Finding the best mortgage also means finding the best terms, so talk to one of our loan professionals for answers and advice. Is a 10-year term a better fit for you than 30 years – or do you want a smaller down payment and lower monthly payment? Do you like the security of fixed rates, or can an adjustable rate mortgage help you afford the home you really want?

We can walk you through all the possibilities. Simply call 877-672-2265. There’s no obligation – just good advice you can trust. You can also get pre-approved in as little as a few minutes. It’s easier than you think!

As you review your mortgage options, one basic question is: Do you want the lowest monthly payment, or is it your goal to own your home as quickly as possible?

Our most popular 30-year and 15-year fixed rate mortgages, for example, both have advantages You’ll pay less each month with a 30-year term. On the other hand, a 15-year mortgage can reduce your interest costs by more than half over the life of the loan.

Why you might prefer a 30-year term

• You can only afford a lower monthly payment
• You’re younger and expect to earn income over the entire term 
• You can maximize your mortgage interest tax deduction

Why you might prefer a 15-year term

• You’ll own your home free and clear sooner
• You want to pay off your home before retiring or sending children to college 
• You’ll pay less interest over the life of the mortgage

You can try our mortgage and loan calculators to compare terms for fixed and adjustable rate mortgages. Talk to a loan professional at North Shore Bank to discuss the terms that fit you best. We can help make your choices clear.

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.

We offer both fixed and adjustable rate loans, as you’ll see on our mortgage rates page. While some of the differences between the two loan types can be complicated, these simple points of comparison can give you a better idea of your options.

A fixed rate mortgage might be better if you:

• Prefer the peace of mind that comes with one locked-in interest rate and monthly payment 
• Plan on staying in your home for many years 
• Are near the peak of your earning potential or don’t want to risk taking on a larger monthly payment in the future

An adjustable rate mortgage might be better if you:

• Prefer a lower upfront rate or wish to qualify for a larger mortgage 
• Plan on selling or refinancing your home in just a few years 
• Expect your earning potential or financial worth to increase by the time your monthly payments increase

Your personal preferences can offer important clues to the best choice. Contact our loan professionals today or call 877-672-2265 to schedule an appointment at no obligation.

Home ownership is full of unscheduled expenses. There’s no landlord to shoulder the costs when your roof leaks or the furnace needs immediate replacement. A home equity line of credit (HELOC) lets you budget for these challenges.

If offers:

• Instant buying power, no questions asked 
• Easy access with funds transferred directly to your North Shore Bank checking account
• Can provide lower interest rates than credit cards 

Getting pre-approved with North Shore Bank is a great first step for homebuyers. In just a few minutes online, you’ll have your credit evaluated and learn how much money you have available to buy a home – no cost, no obligation.

Even better, you’ll receive a pre-approval letter that lets you move fast when the right home comes along. That can be a big advantage in a competitive housing market, where the best homes often get multiple offers the same day they’re listed.

With pre-approval in hand, you can:

• Shop with confidence, knowing what you can afford and having the freedom to focus on a great home
• Show real estate agents that you’re ready to buy, resulting in hot leads on homes just coming on the market
• Offer sellers a fast and easy sale, setting your offer apart from other buyers

Above all, pre-approval gives you options. You can always go to another real estate agent or offer sellers a “take it or leave it” price in hopes of a great deal. And it only takes a few minutes to begin. Get pre-approved today and you’re on your way.

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

Auto Loan Application Checklist

HELOC Application Checklist

Mortgage Application Checklist