Which checking account is right for you?
Learn more about important legal disclosures and information
save as you spend
Make your day-to-day expenses work for you. Earn 15¢ with every debit card purchase* when you open a GO>2 Checkless Checking & Savings account with us.
* You will earn $0.15 per qualified purchase when you use your GO>2 Debit Card. Qualified purchases are for goods and services. The total of the $0.15 per debit card transaction rewards will be credited to the GO>2 account on the statement date and these funds will be automatically transferred to the associated savings account the next business day. If the amount you receive in debit card transaction rewards exceeds $600 annually, you will receive Form 1099-MISC.
Free Solutions Checking
Sometimes free checking isn’t enough. With no minimum balance to maintain, no monthly fee, AND no-fee Bill Pay, Free Solutions checking is the simple solution for your checking account needs.
Access your Free Solutions checking account anytime online with no-fee Internet Banking, NSB Mobile, or TeleBanker. And, receive our convenient e-Statements.
Benefits
- No minimum balance
- No monthly fee
- No-fee Bill Pay
- GenGold free for 90 days4
To open an account online, you’ll need your social security number, a valid driver’s license (or ID card issued by a state DMV), personal information, joint account holder information (if applicable) and a funding source (checking account from NSB or another financial institution). Opening an account takes about 10-15 minutes for most applications. Note: All online applicants must be U.S. citizens and at least 18 years of age. If you are not a U.S. citizen, please visit a local branch to open your account.
1Learn more about important Free Solutions Checking legal disclosures and information
To receive a current copy of Terms & Conditions related to your account, please contact Customer Care: 1.888.725.2207
Full Solutions Checking
Maximize your money
Enjoy more benefits, earn a high-interest rate, and maximize the money you’ve worked hard to earn with Full Solutions checking. Simply make 15 debit card transactions every statement cycle and the low monthly maintenance fee will not be charged. Full Solutions checking comes with no-fee Bill Pay.
Access your Full Solutions checking account anytime online with no-fee Internet Banking, NSB Mobile or Telebanker. And, receive our convenient e-Statements.
To open an account online, you’ll need your social security number, a valid driver’s license (or ID card issued by a state DMV), personal information, joint account holder information (if applicable) and a funding source (checking account from NSB or another financial institution). Opening an account takes about 10-15 minutes for most applications. Note: All online applicants must be U.S. citizens and at least 18 years of age. If you are not a U.S. citizen, please visit a local branch to open your account.
Benefits
- Maintenance fee waived with 15 monthly debit transactions
- Competitive interest rates
- No-fee Bill Pay
- ATM fees refunded nationwide
- Free checks, official checks, and money orders
- Premium rate Savings Solutions and certificates of deposit
- GenGold free for 90 days4
2Learn more about important Full Solutions Checking legal disclosures and information
To receive a current copy of Terms & Conditions related to your account, please contact Customer Care: 1.888.725.2207
Flexible Solutions Checking
Competitive interest rates. More flexibility.
If you maintain a higher checking account balance and like the idea of earning competitive interest rates, you’ll love the flexibility of our Flexible Solutions checking account. Maintain a $10,000 average daily balance each statement cycle and the $20.00 monthly maintenance fee will not be charged. Flexible Solutions checking comes with no-fee Bill Pay.
Access your Flexible Solutions checking account anytime online with no-fee Internet Banking, NSB Mobile or Telebanker. And, receive our convenient e-Statements.
To open an account online, you’ll need your social security number, a valid driver’s license (or ID card issued by a state DMV), personal information, joint account holder information (if applicable) and a funding source (checking account from NSB or another financial institution). Opening an account takes about 10-15 minutes for most applications. Note: All online applicants must be U.S. citizens and at least 18 years of age. If you are not a U.S. citizen, please visit a local branch to open your account.
Benefits
- Competitive interest rates
- $20 maintenance fee waived if you maintain average daily balance of $10,000
- No-fee Bill Pay
- ATM fees refunded nationwide
- Free checks, official checks, and money orders
- Premium rate Savings Solutions and certificates of deposit
- GenGold free for 90 days4
3Learn more about important Flexible Solutions Checking legal disclosures and information
To receive a current copy of Terms & Conditions related to your account, please contact Customer Care: 1.888.725.2207
Personal debit cards
Easier to use than checks, safer than cash, and free from interest rate charges, debit cards from Norway Savings make your life a little easier.
- Fast and convenient in-person and online transactions
- Protection from fraud and lost or stolen cards
- Hassle-free
- No need to show I.D. as with checks
Learn about your card
Computer chips
Norway Savings Bank issues debit cards with an embedded computer chip, a small, metallic square on the front of the debit card. The computer chip assigns a one-time code making every transaction unique and the card more difficult to counterfeit or copy. The cards have a magnetic stripe in the event the merchant doesn’t have a chip reader.
Contactless capability
All new personal, business, health savings and GO>2 cards will be issued with contactless capabilities. When you make purchases from merchants with contactless-enabled terminals, you’ll be able to hover or tap your card instead of inserting it. All cards will continue to be equipped with the computer chip and magnetic stripe for easy and secure transactions no matter where you shop.
Here’s the contactless card icon on the front of the card:
Debit transactions with choice
Your debit card can be used with either a PIN (Personal Identification Number) or signature. Both are popular, convenient, and versatile forms of payment. Please note that when using your PIN, your money will come out of your account immediately. When you use your signature, the transaction may take a day or two to clear, just like a check. Some merchants and online purchases don’t require a PIN or signature.
Tips for reducing ATM fees
Use your Norway Savings Bank ATM/Debit Card surcharge-free at all Norway branch locations. Find a location near you.
Other tips for reducing ATM fees
- If you like to use your debit card, you’ll appreciate the many benefits of our GO>2 Checkless Checking Account including waived ATM fees and earning $.15 for every qualified purchase you make with your debit card!
- Consider using the cash-back feature with a debit purchase. Many grocery stores and gas stations offer this at no charge.
- If you frequently use another bank’s ATM, consider taking out more money each time so you have fewer withdrawals and thus fewer ATM access fees.
Safety tips
For debit cards
- Memorize your PIN. Never store it with your card.
- Keep your receipts; you’ll need them to check your statement. If your account number is on them, tear up or shred receipts before throwing them away.
- Sign up for real-time alerts so you will receive an email or text every time your debit card is used.
- Check your bank transactions online daily. Check your statements as soon as you receive them. Make sure all payments are yours.
- Check any outside card terminal (at gas stations for instance) for skimming devices.
- Contact Norway Savings Bank immediately if your card is lost, stolen, or fraudulently used. If you are a victim of debit card fraud, go to Security.
- We are always monitoring your debit card transactions for possible fraudulent activity. If we detect such activity, we will call you. If you don’t answer the call, we will send you a letter in the mail. Watch Two-Way Text Alerts video to learn how we use texts to notify you of suspicious debit card activity.5
For ATMs
- Keep your PIN number a secret. Never write it down or share it with anyone – not even family members.
- Be aware of your surroundings, particularly at night. Make sure the ATM is free of sight obstructions. If you observe suspicious persons or circumstances, do not use the machine.
- Have your ATM card ready and in your hand as you approach the ATM.
- Use your hand to “shield” the ATM keyboard as you enter your PIN.
- Check the ATM for skimming devices.
- Always take your receipts or transaction records with you.
- Do not count or visually display any money you received from the ATM.
- Immediately put your money into your pocket or purse and count it later.
- If you are using a drive-up ATM, be sure passenger windows are rolled up and all doors are locked. If you leave your car and walk to the ATM, lock your car.
Enjoy added benefits with GenGold®!
Your checking account with Norway Savings Bank entitles you to GenGold’s exclusive program. We’re talking discounts, concierge services, cash back rewards, and more. Register for GenGold and start saving money on products and services you use every day.4
GenGold® helps you save money like never before
Identity Theft + Security Center Program
- Identity Theft Restoration Rescue Service
- Coverage for minor children
- Lost document recovery
- Fraud alerts / credit reports
- Junk mail reduction
- Personal information form
Travel Discounts
- Domestic + international airline tickets
- Hotel and car rentals
- Cruises
- Theme park admissions
- Condo vacations
Cellular Care Coverage
- Coverage is automatic
- No additional registration required
- Will reimburse the cost associated with repairing device—up to $600 per membership account per lifetime
Family Benefits
- Local business community discounts
- Internet grocery coupon club
- Movie ticket discounts
- National restaurant + retailer discounts
- 24-Hour emergency roadside service**
- Pet health insurance**
- Student grant locator
- And much more
Cash Back Rewards
- Over 3,000 participating online merchants
- Convenient 24/7 shopping
- Additional features and offers available such as daily deals, free shipping, and more
- Ability to customize your shopping experience by creating your own personalized mall
- Single convenient login
- No registering cards
- Monthly reward payouts
- Monthly statements available
Personal Mobile Concierge®
- App for iPhone and Android
- Nearly 300,000 discount participants
- Searches for deals nearby or by GPS location
- eGift Cards sent immediately to your mobile device
- Concierge services provided by live representatives
Health Services
- Prescription discounts
- Group dental plan**
- Vision care/product discounts
- Hearing care/product discounts
- Telemedicine 24/7 doctor
- Alert1™ Medical Alert System
Shop Local and Save
The savings will help you achieve the life you choose right here in Maine and New Hampshire with significant discounts from more than 1,000 local business partners including:
- Professional services ranging from lawyers to plumbers to landscapers
- Auto repair shops and dealership
- Clothing stores
- Restaurants Health services and fitness centers
- Hotels
Ready to get started? Enroll Now
New to GenGold®? Request Password
Already a GenGold® Member? Login
TeleBanker
Equipped with speech recognition and touch tone dialing, Telebanker makes it easy to check your account balance, review transaction activity, transfer funds, make payments, and more—all over the phone.
TeleBanker User Help Guide Dial: toll-free 1.888.743.4880
Please listen carefully to the welcome greeting before you make your selection.
- To report a lost or stolen ATM or debit card after hours call 1.800.472.3272
- For account information, press 1
- For bank or product information, press 2
- For first time users or help with the system, press 3
- At any menu, you can press 0 to speak to Customer Care (during normal business hours)
CONTACT US
Your unique life. Our unique solutions.
Let’s talk.
Your deposits are protected up to $250,000 with the Federal Deposit Insurance Corporation (FDIC). We offer additional FDIC Insurance options for deposits over $250,000. Talk to a banker to learn more on how to optimize FDIC Insurance and protect your deposits.
1Free Solutions: A $25 deposit is required to open a Free Solutions checking account.
2Full Solutions: A $25 deposit is required to open a Full Solutions checking account. You must receive monthly e-Statements and have at least one direct deposit or recurring, third-party ACH credit each statement cycle to earn interest. ATM fees will be refunded nationwide up to $20 per statement cycle. The $5.00 monthly maintenance fee will not be charged with 15 debit card transactions posted each statement cycle. Free checks are limited to “safety paper” wallet-style checks (see branch for details). Free official checks and money orders are limited to one per day.
3Flexible Solutions: A $25 deposit is required to open a Flexible Solutions checking account. ATM fees (nationwide) will be refunded up to $20 per statement cycle. The $20 monthly maintenance fee will not be charged when you maintain a $10,000 average daily balance. Free checks are limited to “safety paper” wallet-style checks (see branch for details). Free official checks and money orders are limited to one per day.
GenGold Disclosures:
4 After 90 day free trial, a low monthly fee of $4.95 will apply.
** Additional fee applies. See GenGold® website for complete program details.
Norway Savings Bank has selected Generations Gold, Inc., a fully independent third-party benefits provider, to provide travel and other discounted services on an exclusive basis directly to GenGold® members. Norway Savings Bank assumes no liability for any of the providers in fulfilling their services. All liabilities, claims, damages, and demands are the sole and direct responsibility of Generations Gold, Inc. and its independent service or benefits providers. Discounts received through the GenGold® Program may not be used in conjunction with any other discounts. Benefits and services available through the Program are subject to change without notice. Not all plans and discounts are available in all areas. Not insured by the FDIC; not a deposit or other obligation of, or guaranteed by, the depository institution; subject to investment risks, including possible loss of the principal amount invested (if applicable). Please visit gengold.com or call 1.800.428.6686 for complete program details. Some restrictions apply. All rights reserved, Generations Gold, Inc.® 2023 Generations Gold, Inc.®
5Debit Card Information:
You will not incur text messaging charges. If you don’t know if you have a text-enabled phone number on file and would like to receive text messages in the event we detect a potential fraudulent transaction on your phone, please call our Customer Care Team at 888-725-2207
To receive a current copy of Terms & Conditions related to your account, please contact Customer Care: 1.888.725.2207
