Banking on Campus

North Country Savings Bank, Check Cashing, and Returned Check Policy

The North Country Savings Bank branch located in St. Lawrence University's Student Center is open during the academic year Monday through Thursday from 12 p.m. to 4 p.m. and Friday from 11:00 a.m. to 4:00 p.m. Bank hours during the summer are Monday-Thursday from 12:00 p.m. to 2:00 p.m. and Friday from 11:00 a.m. to 2:00 p.m. There are two ATM machines located on campus; one near the mail room in the Sullivan Student Center and the other at the Brewer Bookstore.

Adjusted schedule for the following days:

Days with Limited Business Hours (M-F Noon – 2 pm): Spring Break, Fall Mid-semester Break, Thanksgiving Break, Winter Break, Spring Break, Summer Break

Closed Days: Labor Day, Columbus Day, Thanksgiving Day and day after), Christmas Eve Day through New Years Day, Martin Luther King Day, President's Day, and Memorial Day


Anyone with an account at North Country Savings Bank may cash checks at this branch in accordance with the bank's usual policies. St. Lawrence University students and employees may also cash personal checks of $200 or less with a current SLU Campus ID card. University payroll and travel/reimbursement checks may be cashed at this branch as well.

If a bank returns a personal check for insufficient funds or other reasons, the amount of the returned check and a $20 fee will be charged to the student or employee's account. The student or employee who presented the check will be immediately contacted for restitution. Until restitution of returned checks is made at the Student Financial Services Office, the privilege of cashing personal checks will be revoked. Accounts charged for returned checks are billed at the middle of each month (except May and November) and payment is due by the 10th of the following month. Monthly interest of 1% is assessed against all unpaid balances. Unpaid charges will be subject to the student account payment terms.

Checks will no longer be cashed for or accepted from individuals who have issued a returned check to the university on two separate occasions during an academic year. All future payments by such individuals to the university must be made by cash, money order, or cashier check.

If a returned check is a bank error, the $20 fee will be waived upon proof from the bank.