What are your hours of operation?

Our Call Center, 800-NSB-CASH is open Monday - Friday 8 a.m. to 5 p.m. 

Our branch hours:

Monday - Thursday: 8.30 a.m. - 5 p.m.

Friday: 8.30 a.m. - 5:30 p.m.

All drive-up windows open at 8 a.m. Monday - Friday.  

Important: To report a lost or stolen ATM or debit card after hours, immediately contact the Lost and Stolen Card Service Center through Vantiv at 800-528-2273. Account information is available 24 hours a day by calling our Phone Bank at 888-NSB-2424.

How can I find ATMs within your network?

All Northfield Savings Bank branches have ATMs available 24 hours a day. Each ATM is equipped with voice activation devices for the visually impaired. We are a member of the following networks:

Falcon ATM Network 

This network gives our customers access to over 100 surcharge free ATMs all over Vermont. Many of these machines will even accept deposits to your Northfield Savings Bank checking or savings accounts.

View a list of the Falcon ATM network.

Allpoint ATM Network

NSB customers can also access over 55,000 Allpoint ATMs surcharge free. Locations include the US, Canada, Mexico, Puerto Rico, the UK and even Australia.

View a list of the Allpoint ATM network or download the Allpoint app

Please note: Due to the technical limitations of certain types of ATMs, the system is not able to prevent the surcharge message screen from appearing on many Allpoint ATMs. You should continue the transaction by answering "yes" on this screen. Your receipt will show you were not charged a fee.

If you feel you have been charged a fee in error, please call the Allpoint Network Service Line to submit your refund request directly at 301-492-2063.

What do I need to open an account?

To open a Northfield Savings Bank account, you must have a valid U.S. residence, a U.S. Social Security Number or a U.S. Tax Identification Number, and a U.S. Driver’s License, Passport, State Identification Number or Military ID (for military personnel, an APO is acceptable in lieu of a U.S. residence). Additionally, you must live, work, or own a second home in Vermont to qualify for an account.

What should I do about an unauthorized transaction?

You should notify us immediately if you notice transactions on your account that you don't recognize. Please call 800-672- 2274. If your call is after business hours, we will respond to you the next morning or business day.

What do I do if my debit card is lost or stolen?

If your debit card is lost or stolen, contact the Lost and Stolen Card Service Center through Vantiv immediately at 1-800-528-2273 to cancel your card. To request a new card, you will need to contact NSB during business hours. Replacement cards typically take 7-10 business days to arrive; however, if you need your card sooner than that, be sure to ask Customer Service about our rush service.

What is Bounce Protection?

Bounce protection is a discretionary overdraft service that provides you a safety net up to an automatically assigned overdraft limit. Your bounce protection limit may be available for checks, automatic bill payments, and recurring debit card payments.

At your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit; your overdraft limit will be available to authorize card transactions. To request this service please review the following documents, then call us at 800-NSB-CASH or stop by any branch.

Click here to download the opt-in form
Click here to download the bounce protection brochure

If an overdraft is approved by using your bounce protection limit, you may be assessed our overdraft paid item fee of $30 for each item created by check, in-person withdrawals, ATM withdrawals, or other electronic means paid under the limit. All negative balances must be brought positive within 30 calendar days. Northfield Savings Bank reserves the right not to pay if the account is not kept in good standing.

What are the benefits of a Health Savings Account (HSA)?

With an HSA, you set aside money to pay for qualified medical expenses. All the money that goes into and comes out of the account is tax free.

Who is eligible to open a Health Savings Account (HSA)?

To be eligible for an HSA, you must be covered by a qualified high-deductible healthcare plan.

Which expenses are considered IRS-qualified medical expenses for HSA consideration?

You can pay for a wide range of IRS-qualified medical expenses with your HSA, including many that aren't typically covered by health insurance plans such as deductibles, co-insurance, prescriptions, dental and vision care, and more. Visit the IRS website for a complete list of IRS-qualified medical expenses.

How do I use my HSA funds to pay for IRS-qualified medical expenses?

Use your HSA debit card or checks to pay for IRS-qualified medical expenses. If you pay for part or all of your IRS-qualified medical expenses out-of-pocket, you can reimburse yourself later with HSA funds.