Banking Related FAQs   |   CARES Act Stimulus Check FAQs

To help you the best that we can we’ve compiled some of the most commonly asked questions we’ve received relating to COVID-19 and our continued operations as an essential service.  If you are not able to find an answer to your question below, please don’t hesitate to contact us, one of our friendly and experienced staff will be happy to answer any questions you may have.

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Are your branches open regular hours? All of our branches are operating with their normal hours. View our hours and locations.


Can I deposit at an ATM? Yes, we have full service ATMs at all locations that can be used to make a deposit to your accounts.


What other deposit options can I use to avoid going to a branch? If you would like to avoid the branch or ATM, your best option to deposit remotely would be to use our Mobile Check Deposit feature within the NBSB Mobile Banking app. This feature allows you to safely & securely deposit a check using your phone’s camera. Learn more about Mobile Check Deposit.


Can I defer my loan payments? There are many options to consider before deferment. Please contact our Loan Department by phone at 508-867-1302 or by email at to talk about your options and let us guide you.


Why aren’t you waving overdraft fees during this time? If there is a circumstance that is out of the ordinary and you have never had a fee waived, please call us at 508-867-7442 or  866-711-6272 to discuss your options.


Can I get to my safe deposit box? Yes, however, we are encouraging that any in-branch activities be kept to a minimum until we reopen our branch lobbies.  Should you need access your safe deposit box or open one, and cannot wait to do so, please contact your local branch for more information and to make an appointment. Contact Us.


How do I move money from one account to another from home? NBSB offers a variety of ways to transfer your money from home with our Online Banking, Mobile Banking app, or Telephone Banking options.


What are the new tax deadlines? The new tax deadline to FILE and PAY is July 15, 2020. You can learn more about the new deadline as well as other helpful information in NBSB’s “Tax Filing and IRA Contribution Deadline, 90-Day Extension” article.


When is my deadline for my IRA distribution?  Required Minimum Distributions (RMDs) for 2020 are not required. Distributions prior to age 59 1/2 of up to $100,000 are not subject to the 10% excise tax in 2020 and Distributions of up to $100,000 this year can be reported as income over three years and/or repaid.


What can I do at drive-up besides withdrawal/deposit? We can help you to complete all deposit and loan related transactions except access to safe deposit boxes at our drive-up windows.


Are you offering loan relief? NBSB is working with borrowers who have been affected by the COVID-19 crisis. Please contact the Loan Center to discuss your options at 508-867-1302.


How do I get help if I am having trouble paying my mortgage? Should you experience hardship due to the COVID-19 crisis and are having trouble paying your mortgage please contact the Loan Center to discuss your options at 508-867-0709.


Is the bank still offering mortgage loans during the crisis? Yes, the bank is still offering Residential Mortgage loans, you can Apply Online in Minutes or contact one of our friendly and experienced mortgage lenders by calling 508-867-0709 or by emailing


How do I apply for the SBA Paycheck Protection Program? You can find more information as well as application instructions on our Paycheck Protection Program webpage. We are working to process the applications we receive in a timely manner and will reach out to applicants soon. The SBA anticipates processing in excess of 1 million loans. Due to this high volume, once an application is submitted to the SBA we cannot predict how long it may take for them to process the loan.


Can I make more than six transfers a month? Thanks to a recent change to Federal Regulation D, NBSB will temporarily no longer restrict the number of convenient transfers on savings and money market accounts. Effective April 24th, 2020 you will be able to perform as many convenient transfers as needed. You will be able to perform six transfers without penalty, each additional transactions will be a $10 fee per transaction. Please be aware that this exemption is subject to change without notice.


What is NBSB’s Routing Number?  Our routing number is 211374091


CARES Act Stimulus Check FAQs


When will my CARES Act stimulus check come? Unfortunately we are not privy to when your stimulus check disbursement may come but you can check on the status of your stimulus check through the IRS. To stay informed you can follow the IRS website for further information on the stimulus check program.


Will the IRS contact me about my CARES Act stimulus payment? The IRS will not call, email, or text you about your payment. The IRS will not contact you to request personal or bank account information. Watch out for scams and fraud related to the stimulus payment. You can learn more about fraud related to COVID-19 and the stimulus check with NBSB’s helpful article “North Brookfield Savings Bank’s COVID-19 Scams & Fraud Awareness.”

According to the IRS for security reasons, a letter about the payment will be mailed to each recipient’s last known address within 15 days after the payment is made. The letter will provide information on how the payment was made and how to report any failure to receive the payment.


How will I receive my stimulus payment? There are a few ways you may receive your funds. If you’ve filed taxes for 2019 or 2018 and opted for direct deposit your payment will be deposited using the information you provided on your taxes. If you did not opt to use direct deposit or it is rejected, you will either receive a check or prepaid EIP card in the mail.


Can I transfer my funds off the EIP Card? You can easily transfer the funds from an EIP Card to an existing bank account online at or using the Money Network Mobile App. You will need the Routing number and Account number for your bank account.

To transfer funds:

  1. Call 1-800-240-8100, for TTY call: 1-800-241-9100, to activate your Card.
  2. Register for or mobile app access by going to or the Money Network Mobile App and click on “Register”. Follow the steps to create your User ID and Password. Be sure to have your EIP Card handy.
  3. Select Move Money Out and follow the steps to set up your ACH transfer. Transfers should post to your bank account in 1-2 business days.

ACH Transfer to Domestic Bank Limits Apply: $2,500 per transaction | $2,500 per day | $5,000 per month. Please see your Cardholder Agreement online at for more information.


I think the amount of my CARES Act stimulus payment is incorrect. What can I do? If you think you did not receive the full amount to which you are entitled, according to the IRS you will be able to claim the additional amount when you file your 2020 tax return. This is particularly important for individuals who may be entitled to the additional $500 per qualifying child dependent. For VA and SSI recipients who don’t have a filing requirement and have a child, they need to use the Non-Filers tool on the IRS website by May 5 in order to have the $500 added automatically to their $1,200 Economic Impact payment.


Does someone who has died qualify for the CARES Act stimulus payment? No, a payment made to someone who died before receiving the Payment should be returned to the IRS. The entire payment should be returned unless the payment was made to joint filers and one spouse has not died before receiving the payment, in which case, only the portion of the Payment made for the decedent needs to be returned. This amount will be $1,200 unless adjusted gross income exceeded $150,000.


How do I return a CARES Act stimulus payment? You should return the payment as described below.

If the payment was a paper check:

  1. Write “Void” in the endorsement section on the back of the check.
  2. Mail the voided check immediately to the appropriate IRS location.
  3. Don’t staple, bend, or paper clip the check.
  4. Include a note stating the reason for returning the check.

If the payment was a paper check and you have cashed it, or if the payment was a direct deposit:

  1. Submit a personal check, money order, etc., immediately to the appropriate IRS location
  2. Write on the check/money order made payable to “U.S. Treasury” and write 2020EIP, and the taxpayer identification number (social security number,  or individual taxpayer identification number) of the recipient of the check.
  3. Include a brief explanation of the reason for returning the EIP.

If you live in Massachusetts, mail to:

Andover Refund Inquiry Unit, 1310 Lowell St, Mail Stop 666A, Andover MA 01810



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Our friendly and experienced staff are happy to help you with any of your banking needs.