Checking & Money Markets

Free Checking

A minimum of $100 opens this non-interest bearing checking account. There are no minimum balances and monthly service fees. There are no per check charges or hidden fees, and your first box of checks is FREE*

• Free first order of 120 safety paper checks 

• Free On-Line Banking with 24/7 access

• Free On-Line Bill Pay

• MasterCard® Debit Card

• Free access to Telephone Banking

• FDIC insured

*First Box of Deluxe Safety Paper Checks are free. If other checks are ordered, account holder will pay the difference.

Premium Checking

A minimum deposit of $100 is required to open this FDIC insured, interest-bearing account. No minimum balance is required on this account.  In order to avoid the monthly maintenance fee, you must establish the direct deposit of your payroll, Social Security or retirement check or maintain a minimum total combined balance over $1,000 in your deposit accounts with North Shore Trust and Savings. If you do not have a direct deposit or your combined deposit account balances go below $1,000, there will be a monthly maintenance fee of $5.95

• Earn interest on your daily balance

• Free first order of 120 safety paper checks

• Free On-Line Banking with 24/7 access

• Free On-Line Bill Pay

• Free MasterCard® Debit Card

• Free access to Telephone Banking

• FDIC insured

The Premium Checking account is a variable rate account and the interest rate paid may vary from time to time. Fees may reduce earnings in the account. Ownership eligibility for the Premium  Checking (NOW) account is limited to individuals, sole proprietorships, and not-for-profit organizations.

Money Market Accounts

A minimum initial deposit of $1,000 is required to open this FDIC insured tiered account. Our Money Market account offers premium rates on your liquid assets while providing you with the flexibility of making deposits and withdrawals at any time. You can make up to six pre-authorized withdrawals during each monthly statement period* Interest is credited monthly, and detailed monthly statements are provided. Addittional features include direct deposit and access through our online banking and telephone banking systems. 

Want to earn more interest on your larger balances?

North Shore offers a Premium Money Market account for customers who maintain an account balance over $75,000.

*Six pre-authorized transfers or withdrawals are allowed pre statement period; only three may be made by check. 

Overdraft Protection

We all make mistakes; we're not perfect. To make your life a little easier during those less than perfect moments, North Shore Trust and Savings offers your two options to protect against overdrafts.

North Shore will extend you a personal line of credit to cover your overdraft situations. This credit line automatically makes a deposit to your checking account to cover any overdraft up to the amount of your available credit. The line of credit allows you more available funds to pay checks, automatic or pre-authorized debits, or ATM / Debit Card transactions. The Overdraft Protection Line of Credit's annual fee of $25 is cheaper then one NSF charge and is waived for the first year! 

North Shore understands that life moves at a fast pace.  We don't always have time to make that transfer from one of our accounts, to cover the activity in another.  That is why we offer Draws. Now you can tell us to take money from a specific Checking, Statement Savings or Money Market account to cover any overdrafts that may occur in your checking account.  Draws are assessed a transaction fee of $5 for each transfer and are limited to the available funds and withdrawal limitations of the donor account. 

The Premium Checking account is a variable rate account and the interest rate paid may vary from time to time. Fees may reduce earnings in the account. Ownership eligibility for the Premium  Checking (NOW) account is limited to individuals, sole proprietorships, and not-for-profit organizations.