IMPORTANT INFORMATION ABOUT:
• The merger of East Boston Savings Bank and Rockland Trust
• Your account(s)
• Expanded products and services which will be available to you
Welcome
to Rockland Trust!
Serving Local Communities Since 1907
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Welcome
to Rockland Trust!
A helpful guide for
East Boston Savings Bank Customers
Contents Page
Important Information: What You Need to Know ...................2
Answers to Your Questions ........................................4
Overview of Products and Services ...............................10
Personal Banking ................................................11
Wealth Management ............................................16
Business and Commercial Banking ...............................18
Convenience Banking ............................................23
Rockland Trust in Your Community ...............................26
Rockland Trust Branch Locations .................................28
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This helpful guide has been put together to assist you through the
upcoming transition to Rockland Trust. Please pay special attention to the
“What You Need to Know” section on pages 2 and 3.
We look forward
to serving you.
We’d like to take this opportunity
to welcome you to Rockland Trust.
On November 15, 2021, subject to regulatory
approval, East Boston Savings Bank branches will
reopen as Rockland Trust branches. Like East Boston Savings Bank,
Rockland Trust has a deep Massachusetts heritage that stretches
back over a century. We treat customers with respect, provide them
with superior service from our team of knowledgeable professionals,
and build long-term relationships. Every day, we strive to live up
to our promise of “Where Each Relationship Matters
®
.” We make
decisions locally, with a real understanding of our customers’ needs.
Rockland Trust has the perfect combination of resources and
convenience. As a Rockland Trust customer, you will benefit from a
greater range of products and services and can enjoy the convenience
of more than 120 branch locations and 200 ATMs across Massachusetts.
Our employees are our greatest asset, and through their dedication
to serving customers like you, Rockland Trust is a strong, secure, and
well-capitalized bank that is continually recognized by third parties.
We have been:
•
Recognized by The Boston Globe for the 12th consecutive year as
one of the Top Places to Work.
•
Ranked the #1 bank in Massachusetts on Forbes' 2021 World's
Best Banks list.
www.RocklandTrust.com
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What You Need to Know
Our goal at Rockland Trust is to make your transition
as simple as possible. Below you will find key
information that will help guide you in this process.
When can I start using Rockland Trust branches?
Assuming regulatory approvals are received, you can start using Rockland
Trust branches on Monday, November 15th.
Key Facts
Account Numbers—In most cases, your account number(s) will not be
changing. Please refer to page 6 for information regarding deposit
account numbers and page 8 for information regarding loan account
numbers. The bank routing and transit number that you will use after the
merger for electronic transactions is 011304478.
Automatic Payments and Deposits—Automatic payments from your
East Boston Savings Bank Visa Debit Card will no longer process after
November 14th. (Please refer to the “Debit or ATM Cards” section below on
what you will need to do to update your card information). However, there
will be no interruption in any other automatic payments or direct deposits
from/to your checking or savings account. A notification of change will be
sent from Rockland Trust to the person/company that is initiating any such
transactions, asking them to change the routing and transit number to Rockland
Trust’s routing and transit number (011304478). After the merger is complete, if
you have companies that make direct deposits to your account, you may receive
a paper check during the time the person/company is updating your records.
Debit or ATM Cards—Prior to the merger, you will receive a new Contactless
chip-enabled card with important information about card activation and
when you should start using the new card. Any current automatic payments
from your East Boston Savings Bank Visa Debit Card will no longer be
processed after November 14th.
Important: If you have automatic payments processed through your
East Boston Savings Bank Visa Debit Card, for instance, any health club
memberships, Netflix, or Hulu accounts, be sure to provide your new
Rockland Trust Debit Card account number to your service providers on
or after November 15th to avoid interruption with your service.
IMPORTANT INFORMATION
508.732.3825
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If you are also an existing Rockland Trust Debit/ATM cardholder, you will
receive a new card to access your converting East Boston Savings Bank
account(s). After the merger is complete, you can contact us and link your
account(s) to one card.
Checks—If you have a checking account, you may continue using your
existing checks beyond the merger date. After the merger is complete,
you will receive a communication on how to order Rockland Trust checks.
Online Banking and Online Bill Pay—If you are an online banking user,
you will receive a separate mailing from us in late October with instructions
on how to get started with Rockland Trust Online Banking.
Account History—After the merger, you will have access to 60 days of online
banking transaction history, however you will not have access to view check
images within your online banking transaction history. In addition, you will also
have access to three years of eStatements through Rockland Trust Online Banking
and will be able to view your check images on your eStatements. For your
records, we recommend that before November 12th you print or download
copies of all your eStatements and online banking transaction history.
Telephone Banking—For security reasons, you will need to establish
an access number and telephone PIN to use our automated telephone
banking system after the merger is complete. To establish an access
number and telephone PIN after the merger, you should visit your local
branch or call our Customer Information Center at 508.732.7072.
Safe Deposit Boxes—If you have a safe deposit box at the Dorchester,
Everett, East Boston, Lynn, or Saugus branch, there will be no interruption
with your service or box location. If you have a safe deposit box at the
Melrose branch, you should have already received a separate communication
from us to close out your box. If you have not closed your safe deposit box at
the Melrose branch, please do so by October 29th.
Locations—After the merger is complete, you will have access to more than
120 branches (many of which have Sunday hours) and access to over 200
Rockland Trust ATMs.
Our Customer Information Center associates can be reached by calling
508.732.3825, and are available to answer your questions from 7:00 a.m.
to 8:00 p.m. Monday through Friday, 8:00 a.m. to 5:00 p.m. Saturday, and
10:00 a.m. to 3:00 p.m. Sunday.
Please refer to the enclosed insert for more details on key dates
and times.
www.RocklandTrust.com
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General Questions
Q: When can I start using Rockland Trust
branches?
A: Starting on Monday, November 15th, you can
begin using any Rockland Trust branch location.
Q: Will my branch remain open?
A: A number of East Boston Savings Bank locations will
be permanently closed following the merger. For a list of branches that
will be closing, please visit RocklandTrust.com/Welcome.
Q: Will I receive a new ATM and/or debit card?
A: Yes. Prior to the merger, you will receive a new Contactless chip-enabled
debit card with important information about card activation and when you
should start using the new card. In addition, you will receive a separate
mailing with your new PIN information.
Important: If you have automatic payments processed through your
East Boston Savings Bank Visa Debit Card, for instance, any health
club memberships, Netflix, or Hulu accounts, be sure to provide your
new Rockland Trust Debit Card account number to your service
providers on or after November 15th to avoid interruption with your
service.
If you are also an existing Rockland Trust Debit/ATM cardholder, you will
receive a new card to access your converting East Boston Savings Bank
account(s). After the merger is complete, you can contact us and link your
account(s) to one card.
Q: When can I activate my new debit card?
A: You can activate and begin using your new Rockland Trust Debit Card on
or after Monday, November 15th.
Q: Does Rockland Trust offer online banking?
A: Yes. If you are currently an online banking and bill pay customer, you will
receive a separate mailing from us in late October with instructions on how
to get started with Rockland Trust Online Banking.
Q: Does Rockland Trust offer mobile banking?
A: Yes. Rockland Trust offers mobile banking with mobile check deposit.
You can download and start using the app on or after November 15th.
ANSWERS TO YOUR QUESTIONS
508.732.3825
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Q: Will I have access to my East Boston Savings Bank account
history online?
A: After the merger, you will have access to 60 days of online banking
transaction history, however you will not have access to view check images
within your online banking transaction history. In addition, you will also
have access to three years of eStatements through Rockland Trust Online
Banking and will be able to view your check images on your eStatements.
For your records, we recommend that before November 12th you print
or download copies of all your eStatements and online banking
transaction history. Going forward, you will have access to 13 months of
transaction history in online banking.
Q: Does Rockland Trust have telephone banking?
A: Yes. With Rockland Trust’s Telephone Banking, you can access account
information, transfer funds between accounts, make loan payments,
and do much more when and where it’s convenient for you. For security
reasons, on or after November 15th, you will need to establish an access
number and telephone PIN to use our telephone banking system. To
establish an access number and telephone PIN, visit your local branch or
call our Customer Information Center at 508.732.7072 after the merger.
Q: What will happen to my safe deposit box?
A: If you have a safe deposit box at the Dorchester, Everett, East Boston, Lynn,
or Saugus branch, there will be no interruption with your safe deposit box.
If you have a safe deposit box at the Melrose branch, you should have
already received a separate communication from us to close out your box. If
you have not closed your safe deposit box at the Melrose branch, please do
so by October 29th.
Q: What is Rockland Trust’s routing and transit number?
A: The Rockland Trust routing and transit number is 011304478.
Q: Does Rockland Trust offer a service that allows me to make external
transfers and send money to friends and family?
A: As a personal banking customer, you can use the Friends and Family
Transfers feature in online and mobile banking to transfer money to another
Rockland Trust Online Banking customer. In addition, you can use our
external transfer feature to transfer money to accounts you may have at other
financial institutions. Rockland Trust does not offer People Pay. In the near
future, you will be able to send and receive money electronically using Zelle
®
.
Q: Can I continue to use my East Boston Savings Bank Credit Card?
A: Yes. You can continue to use your existing East Boston Savings Bank Credit
Card without any interruption. For any questions regarding your East Boston
Savings Bank Credit Card, please continue to call 1.800.558.3424 for
consumer assistance and 1.866.552.8855 for business assistance.
www.RocklandTrust.com
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Deposit Account Questions
Q: Will my account number(s) remain the same?
A: In most cases your account number(s) will not be changing. If there was a
change to an account number, you would have already been contacted by
East Boston Savings Bank. Please see the enclosed Account Summary sheet
to review your account number(s).
Q: What is Rockland Trust’s deposit insurance coverage?
A: Rockland Trust is a strong, secure, and well-capitalized bank. All deposits are
insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000.
Deposits you hold in different ownership categories—such as joint, single,
and retirement accounts—are each separately insured up to $250,000. That
means, for example, that you could have up to $250,000 in single-name
accounts and up to $250,000 in your share of joint accounts and still be fully
insured. Following the closing, excess deposit insurance through the
Depositors Insurance Fund (DIF) for amounts that exceed FDIC deposit
insurance limits will end. Most customers will not be affected by this
change. We also participate in the IntraFi® Network Deposits
SM
program
(formerly known as CDARS). Participation in the IntraFi Network Deposits
program enables customers to access FDIC insurance on deposits of up to $50
million.
Deposits at East Boston Savings Bank are also insured by the FDIC up to
$250,000. If you have accounts at both Rockland Trust and East Boston
Savings Bank, under federal law you will continue to receive the same
FDIC coverage as if your accounts were still at separate banks for six months
after the merger. After six months have passed, if your total aggregate
account balances exceed $250,000, any excess may not be covered by FDIC
insurance. Certificates of Deposit will continue to receive separate FDIC
insurance coverage until the first maturity date after the six-month period.
Q: Can I use my current checks?
A: If you have a checking account, you may continue using your existing
checks beyond the merger date. After the merger is complete, you will
receive a communication on how to order Rockland Trust checks.
Q: Will Rockland Trust continue to automatically deduct payments
from my account?
A: Automatic payments from your East Boston Savings Bank Visa Debit
Card will no longer process after November 14th. (Please refer to page 4 for
information on updating service providers with your new Rockland Trust Debit
Card account number). However, there will be no interruption in any other
automatic payments or direct deposits from/to your checking or savings
account. A notification of change will be sent from Rockland Trust to the
person/company that is initiating the transaction, asking them to change the
routing and transit number to Rockland Trust’s routing and transit number
(011304478). After the merger is complete, if you have companies that make
direct deposits to your account, you may receive a paper check during the
time the person/company is updating your records.
508.732.3825
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Q: When will funds from my deposits be available?
A: Under our Funds Availability Policy, your deposits are generally available on the
first business day after the business day we receive them. Electronic direct
deposits and cash deposits are generally available the business day we receive
them. We may extend these times in certain cases. Please refer to the enclosed
Funds Availability Policy for more details.
Q: What will happen to the direct deposit of my payroll, Social Security,
pension, or government payments into my account?
A: Direct deposit of payroll, Social Security, pension, or government
payments will automatically continue after the merger. However, a
notification of change will be sent from Rockland Trust to the person/
company that is initiating such transactions, asking them to change the
routing and transit number to Rockland Trust’s routing and transit number
(011304478). After the merger is complete, if you have companies that make
direct deposits to your account, you may receive a paper check during the
time the person/company is updating your records.
Q: Will I continue to be able to use Allpoint ATMs surcharge free
after the merger?
A: Rockland Trust does not provide surcharge free access at Allpoint ATMs.
Rockland Trust has over 200 ATM locations throughout Massachusetts and
is a member of the SUM® program. The SUM program gives you access to
thousands of ATMs across the country surcharge free. For a list of SUM ATM
locations, visit sum-atm.com.
Note: Rockland Trust may charge you a fee to use another bank’s ATM even
within the SUM program. However, the other bank’s fee will not be charged.
Q: Will there be any changes to my deposit statement(s)?
A: Your statement(s) will look slightly different. You will receive your savings
statement monthly if there has been an electronic transaction that
month; otherwise, you will receive your statement quarterly. Checking
account statements will be mailed monthly.
If you received eStatements for your checking or savings account(s), you
will need to reinstate them by accepting the eStatement disclosure in
the Rockland Trust Online Banking system after the merger is complete.
Q: When will I receive my last statement from East Boston Savings Bank?
A: A final East Boston Savings Bank account statement for all checking and
savings accounts will be mailed to you with up-to-date information as of
November 12th. If you receive electronic statements, you will receive your
final statement via mail.
Q: When will I receive a new Rockland Trust passbook?
A: You will receive a new Rockland Trust passbook when you perform your first
transaction in a branch on or after November 15th. For your records, we
recommend that you visit your local branch and have your East Boston
Savings Bank passbook updated by the close of business on Friday,
November 12th.
www.RocklandTrust.com
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Q: Will there be any changes to my existing Certificate of Deposit (CD)?
A: The interest rate and term of your existing CD will remain the same through its
maturity. Prior to maturity, you will receive a CD pre-renewal notice. At maturity,
or during the grace period of 10 calendar days following and including the
maturity date, you may change the term, interest payment frequency, and
principal amount of your CD. During the grace period, you may also choose not
to renew your CD. If you do not renew your CD, you will not earn interest past
the maturity date. If you do not make any changes, your CD will automatically
renew for the term indicated on your CD pre-renewal notice.
Note: If you have a CD that allows for interest rate increases (Bump CD), these will
no longer be offered after the merger and your account will be converted to a
traditional CD. This means you will no longer be able to adjust your interest rate.
Q: Will there be changes to my CD or IRA passbook account?
A: You will continue to earn interest on your CD or IRA account. However,
Rockland Trust does not offer passbooks for CD or IRA accounts. If you have
a CD passbook account, you will receive a notice 30 days prior to maturity.
If you have an IRA account, statements will be mailed semiannually.
Q: Will the terms of my IRA account change?
A: No. There will be no changes to the terms of your existing IRA. Upon the
merger, Rockland Trust will become the custodian of your IRA.
Q: Will I still have access to my Courtesy Overdraft Protection Service?
A: After the merger is complete, you will have access to Rockland Trust’s
Discretionary Overdraft Privilege service. Discretionary Overdraft Privilege
will be limited to a maximum of $750. Discretionary Overdraft Privilege allows
Rockland Trust to pay overdrafts for checks, other debit transactions made
using your checking account number (e.g., ACH debit transactions), and
automatic bill payments from your checking account. Rockland Trust will
not pay overdrafts for ATM or everyday debit card transactions for consumer
customers unless you have opted in to the payment of these overdrafts. If you
have opted in to the payments of these overdrafts with East Boston Savings
Bank, you will continue to have this service. For our business customers,
Discretionary Overdraft Privilege automatically includes all transaction types.
This feature is not available for Commercial Checking accounts.
Loan Account Questions
Q: Are there any changes to the terms of my loan(s)?
A: No. The terms of your loan(s) will remain the same.
Q: Will my loan account number(s) remain the same?
A: In most cases your account number(s) will not be changing; however, the
five-digit suffix after your account number will no longer be printed on your
statement and is not required to make a loan payment (example -00001).
Please see the enclosed Account Summary sheet to review your account
number(s).
508.732.3825
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Q: Will I still have access to my overdraft protection line of credit?
A: Yes. If you have an overdraft protection line of credit and overdraw your
account, you will be covered for the exact amount of the overdraft,
up to the limit of your overdraft protection line of credit.
Q: When are overdraft protection line of credit payments due?
A: Monthly payments are due 25 days from the date of your statement.
Q: Where do I make my loan payments?
A: You can make loan payments through online banking, at any Rockland Trust
branch, or by mailing your payment to:
Consumer Loan Payments Commercial Loan Payments
Rockland Trust Rockland Trust
P.O. Box 884016 P.O. Box 884017
Boston, MA 02284-4016 Boston, MA 02284-4017
Online Payments: If you use an online bill pay provider outside of
East Boston Savings Bank, please update your account with the address
above. Rockland Trust’s routing and transit number is 011304478.
Q: Will Rockland Trust continue to automatically debit my deposit
account for my loan payment?
A: Yes. Any automated payment arrangement will continue
uninterrupted. The bank will attempt to withdraw funds from your deposit
account for three days beginning on your scheduled automatic payment
date.
Q: Will I still be able to use my Home Equity Line of Credit?
A: Yes. You will still have access to your line of credit. Draw amounts will
be for the exact amount of the advance. After the merger is complete,
you will receive a new packet of Rockland Trust checks. You should continue
to use your East Boston Savings Bank home equity checks until you receive
your new Rockland Trust checks. Upon receipt of the new checks, please
destroy the packet you are presently using.
Q: When is my Home Equity Line of Credit payment due?
A: Home Equity Line of Credit payments are due 25 days from the date of
your statement.
Q: I have a loan secured by collateral. What do I need to provide to my
insurance company?
A: To update your policy, you will need to contact your insurance company
and provide them with the following Mortgagee/Loss Payee information.
Rockland Trust ISAOA/ATIMA
P.O. Box 812
Norwell, MA 02061
Q: I still have questions. Whom can I contact?
A: Please visit your local branch or contact our merger support line at
508.732.3825.
www.RocklandTrust.com
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Rockland Trust offers an array of convenient services that allow
you to bank on your own terms—whether that means in a
branch, using our online and mobile banking tools, via our online
chat, connecting to your very own dedicated banker using your
mobile device or computer, or at one of our Smart ATMs.
Banking Options and Account Access That Make Your Life Easier
• Online banking and bill pay
• Free coin-counting machines
1
• Mobile banking with
fingerprint and face ID login
• Mobile check deposit
• Extended hours, including Sundays
2
• Free personal and business
checking accounts
• Instant-issue Contactless chip-
enabled debit cards
• Make purchases using Apple Pay®,
Google Pay™, and Samsung Pay
3
• Access to a dedicated banker
through mobile or online banking
Lending Capabilities
Whether you need $5,000 or $75 million, Rockland Trust has the right
lending solutions for consumers and businesses. Our experienced bankers
work closely with you to get you what you need.
• Mortgages
• Home Equity Loans and
Lines of Credit
• Equipment Leasing
• Small Business Lines and Loans
• Commercial Lending
• Asset-Based Loans
• Business and Consumer Credit Cards
Treasury Management
We offer a variety of services, including Remote Deposit, lockbox services,
ACH, international and domestic online wires, sweep accounts, escrow
services, and purchase cards.
International Services
We offer a full set of international services such as foreign currency wire
transfers, foreign exchange trading and hedging, international check
clearing, and international letters of credit and documentary collection.
In addition, we buy and sell foreign currency bank notes for travel at all
our branch locations. You can even have your foreign currency delivered
right to your door.
4
1 Free for Rockland Trust customers. Available at certain locations.
2 Available at certain locations. Visit RocklandTrust.com for more details.
3 Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of
Google LLC. Samsung is a registered trademark of Samsung Electronics Co., Ltd.
4 Fee applies.
OVERVIEW OF PRODUCTS AND SERVICES
Committed to Providing World-class
Products, Tools, and Guidance for
You and Your Business
508.732.3825
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Rockland Complete Relationship Banking
Our Rockland Complete package recognizes you for doing more of your
banking with us. Get exclusive rates and other benefits only our Rockland
Complete banking package can offer.
Rockland Complete Checking
Features include:
• Interest bearing
• Combines the balances in all your
eligible deposit accounts, home
equity loan accounts, and eligible
CDs to meet the minimum
balance requirement to waive the
$25 monthly maintenance fee
5
• Free ATMs nationwide! Plus
up to $10 in reimbursement of
other banks’ ATM surcharges per
statement period
6
• Free standard-style checks or $15
credit toward alternate designs
• No fee for stop payments, money
orders, or treasurer’s checks
Rockland Complete Money Market
Features include:
• Complimentary account for
Rockland Complete Checking
customers
7
• Interest bearing
• Convenience of writing checks
• Easy transfers to and from your
Rockland Complete Checking
account
5 The monthly maintenance fee will be assessed if the combined average daily balances in your checking, savings, money market accounts plus
eligible CDs and any outstanding loan balances for home equity lines of credit and home equity loans, which include Express Mortgage products,
falls below $25,000. IRA CD balances are not included.
6 Rockland Complete Checking accounts will be reimbursed up to a maximum of $10 in surcharges per statement period. The $10 covers any
surcharges charged by another institution for ATM withdrawals anywhere in the United States. Reimbursements will be reported to the IRS at the
end of each tax year.
7 Should you close your Rockland Complete Checking account, we will change your Rockland Complete Money Market account to a standard money
market account, subject to the current rates and fees associated with that account as disclosed in our schedule of fees.
PERSONAL BANKING
Comprehensive Wealth Management
At Rockland Trust Investment Management Group (IMG), we provide
comprehensive wealth management through a personal approach designed
to fully understand where you are now, where you want to go, and what
you will need to get there. We combine the extensive capabilities of a large
institution with the deeply personal service of a community bank to offer
more than you expect, but just what you need. Ranked one of the Largest
Independent Investment Advisers in Massachusetts, IMG has more than
$5.5 billion in assets under administration, and a team with more than 85
experienced professionals across 10 investment offices located throughout
Massachusetts and Rhode Island.
•
Financial and Retirement Planning
•
Investment Management
•
Trust & Estate Services
•
Tax Analysis
•
Insurance Analysis
•
Business Owner Services
www.RocklandTrust.com
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1 Other institutions may impose a fee for the use of their ATMs if not in the SUM® ATM Network.
Checking Accounts
Checking accounts designed to meet your personal needs.
Whether you’re making a purchase with your debit card, checking balances
with your mobile device, or simply getting cash from the ATM, Rockland
Trust offers easy ways for you to bank on your own terms. All Rockland
Trust checking accounts offer convenient services such as online banking
with bill pay, mobile banking with mobile check deposit, a debit card, and
paperless eStatements.
Free Checking
Free Checking is a convenient, free account with no minimum balance
requirement or monthly maintenance fee.
Advantage Checking
With Advantage Checking, you’ll enjoy total banking convenience. This
account offers a competitive interest rate and free ATMs.
1
A minimum daily
balance of $1,000 will waive the $8 monthly maintenance fee.
Please Note: After the merger is complete, your account’s monthly
maintenance fees will be waived for the rst three months. During that
time, you can evaluate our dierent checking and savings product
options and determine whether we have a product that better ts your
needs. To learn more about the products Rockland Trust oers, visit
RocklandTrust.com. If you prefer to switch products, please visit your
local branch or contact our merger support line at 508.732.3825 after
the merger is complete.
508.732.3825
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2 You must be a full- or part-time student between the ages of 16 and 24. Effective on your 25th birthday, your account will be converted to a
similar product type.
3 Free Student Checking accounts will be reimbursed for one surcharge per statement period. Reimbursements will be reported to the IRS at
the end of each tax year.
Please refer to the Account Summary provided with the enclosed
letter to conrm the name of your new checking or savings product,
and then learn more about your new product in the enclosed Account
Disclosure Statement.
Free Student Checking
2
Students face challenges every day, from studying for exams to running
from class to class. That’s why we offer Free Student Checking, an account
that features no minimum balance or monthly maintenance fee. Plus you
will have the convenience of free ATMs
1
and one surcharge rebate per
statement period.
3
65 Classic Checking
65 Classic Checking is designed for customers 65 and older. Enjoy the
benefits of no monthly maintenance fee or minimum balance requirement,
free standard-style checks, reduced overdraft charges, and the perk of a
checking account that pays interest.
Youth Checking
Youth Checking is designed for customers 18 or younger. Enjoy the
benefits of no monthly maintenance fee or minimum balance requirement,
free standard-style checks, reduced overdraft charges, and the perk of a
checking account that pays interest.
www.RocklandTrust.com
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Money Market and Savings Accounts
Money Market Savings
Our Money Market Savings can give your money a boost with a better rate
than other savings products and has check access. It's a good account
when you want to build up your reserves quicker and still withdraw money
when you need it. A minimum daily balance of $2,500 waives the $8
monthly maintenance fee.
Free Savings
Our Free Savings account delivers a competitive interest rate with no
monthly maintenance fee, regardless of your balance. You can add to
your account anytime and you always have access to your money when
you need it.
Passbook Savings
1
Passbook Savings accounts allow you to keep an updated journal of all
your transactions along with a competitive interest rate.
Savings Makes Cent$
An account for children entering grades 1–8 who participate in our annual
Reading Makes Cent$ initiative. These young readers can earn up to $25 a
summer by reading books and increasing not only their knowledge, but
their savings as well.
65 Classic Savings
65 Classic Savings is designed for customers 65 and older to help increase
their savings. An account that earns interest plus the benefits of no
monthly maintenance fee or minimum balance requirement.
Youth Savings
Youth Savings is designed for customers 18 or younger to help increase
their savings. An account that earns interest plus the benefits of no monthly
maintenance fee or minimum balance requirement. Effective on your 19th
birthday, your account will be converted to a similar product type.
1 Not available for new accounts opened after November 12, 2021.
508.732.3825
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2 You should consult your tax advisor for additional information.
Certificates of
Deposit and IRAs
Certificates of Deposit
When you invest with an FDIC-insured
Rockland Trust Certificate of Deposit,
you’ll enjoy competitive interest rates and
terms from 31 days to five years. The minimum
opening deposit for a Rockland Trust CD is $1,000.
IRAs
A traditional IRA provides you with a tax-deferred way to save for
retirement. And depending on your financial position, you may be able
to deduct your contributions on your tax return.
2
IntraFI® Network Deposits
SM
IntraFi Network Deposits (formerly known as CDARS) is the easiest, most
convenient way for individuals, businesses, and public entities to enjoy full
FDIC insurance on deposits larger than $250,000. As a member of IntraFi
Network Deposits, Rockland Trust can provide you with easy access to
multimillion-dollar FDIC protection on your CD investments.
Mortgage Options
Rockland Trust is one of the leading mortgage lenders in Massachusetts,
with a full range of competitive options. Programs include:
•
Fixed and adjustable rate
mortgages
•
Jumbo mortgages
•
First-time homebuyer programs
•
MHP and MassHousing loans
•
Construction loans
•
Blanket loans
•
VA loans
Home Equity Loans and Lines of Credit
Tapping into the equity in your current home is a convenient way to get
the funds you need. Use it to consolidate debt, make home improvements,
or pay for education expenses. And with a Rockland Trust Home Equity Line
of Credit, you get both the flexibility of a line of credit and the predictability
of a fixed-rate loan with our Fixed Rate Loan Conversion option.
www.RocklandTrust.com
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Comprehensive Wealth
Management Solutions
At Rockland Trust Investment Management Group (IMG), we combine the
extensive resources and expertise of a large institution with the deeply
personal service you expect from a community bank.
Centered on Your Success
We focus on downside protection in order to grow and preserve your
wealth over the long term. Our disciplined approach to investing seeks to:
•
Protect and build wealth
through well-diversified asset
allocation programs
•
Implement investment
strategies to deliver consistent,
competitive returns
•
Determine appropriate fiduciary
arrangements through a trust or
other plan
Services That Meet Your Needs
We offer comprehensive wealth management services that are custom
built to meet your unique needs, including:
•
Financial and Retirement Planning
•
Investment Management
•
Trust & Estate Services
•
Government & Municipal Investing
•
Tax Analysis
•
Insurance Analysis
•
Business Owner Services
mutual funds, annuities, and other investments are:
Not Insured by FDIC or Any Other Government Agency • Not Rockland Trust Guaranteed
Not Rockland Trust Deposits or Obligations • May Lose Value
Premier Banking
IMG clients
1
also benefit from access to Premier Banking—a suite of
lending and FDIC-insured deposit products that offer exclusive features
and benefits.
•
IMG Premier Checking
•
IMG Premier Savings
•
IMG Premier Portfolio
Secured Line of Credit
•
IMG Premier Money Market
•
IMG Premier Home Equity
Line of Credit
•
IMG Premier Mortgage
WEALTH MANAGEMENT
1 Available to IMG clients with $1,000,000 or more in investable assets.
508.732.3825
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Planning for the Future
with RT Investment Services
The best time to start planning toward a secure financial future is today.
Whether your financial affairs are simple or complex, an RT Investment
Services professional can help you develop an investment strategy tailored
to your specific needs. We offer access to the following:
•
Professionally managed
portfolios
•
Mutual funds
•
Fixed, fixed indexed,
and variable annuities
•
Distribution options or
rollover services
•
529 college savings plans
and education IRAs
Insurance Options
A sound financial plan aims to protect your family and your assets.
We provide assistance with:
•
Life insurance
•
Disability insurance
•
Long term care insurance
Not Insured by FDIC or Any Other Government Agency
•
Not Rockland Trust Guaranteed
Not Rockland Trust Deposits or Obligations
•
May Lose Value
Securities services are offered through LPL Financial (LPL), a registered investment
advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered
through LPL or its licensed affiliates. Rockland Trust Company and RT Investment Services
are not registered as a broker-dealer or investment advisor. Registered representatives of
LPL offer products and services using RT Investment Services, and may also be employees
of Rockland Trust Company. These products and services are being offered through LPL or
its affiliates, which are separate entities from, and not affiliates of, Rockland Trust Company
or RT Investment Services. Securities and insurance offered through LPL or its affiliates are:
www.RocklandTrust.com
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Solutions to Help Your Business Succeed
Rockland Trust was started by business owners who knew what to
look for in a bank. As one of the largest lenders in Massachusetts,
we’ve got the people and resources to help your business thrive.
And we’re local and easy to reach—which means you work directly
with decision makers every day.
Business Loan Products
Whether you need $5,000 or $75 million, Rockland Trust has the right
lending solutions for you and your business. Our experienced bankers
work closely with you to get you what you need.
•
Business loans and
lines of credit
•
Term loans
•
Letters of credit
•
SBA loans
•
Overdraft lines of credit
•
Commercial mortgages
•
Business credit cards
•
Equipment leasing
•
Asset-based lending
Treasury Management
We offer a variety of services, including online and mobile banking, remote
and mobile deposit, ACH, sweep accounts, lockbox services, Zero Balance
Accounts (ZBAs), Positive Pay, escrow services, international and domestic
wires, and more.
Municipal Services
Rockland Trust’s Government Banking Department is dedicated to
matching municipalities and public entities with the right solutions.
We have a century-long history of serving towns, cities, schools, and
housing authorities in Massachusetts and Rhode Island.
International Services
We offer a full set of international services such as foreign currency wire
transfers, foreign exchange trading and hedging, international check clearing
and international letters of credit, and documentary collection. In addition, we
buy and sell foreign currency bank notes for travel at all our branch locations.
You can even have your foreign currency delivered right to your door.
1
BUSINESS AND COMMERCIAL BANKING
1 Fee applies.
508.732.3825
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Merchant Services
Cash flow is a key component of
the success of any business.
Rockland Trust understands this,
which is why we have partnered
with Elavon to deliver first-class
merchant services.
Credit Card Processing
Provide the payment options your
customers look for and get faster access to
your funds with our credit/debit card processing
and electronic check acceptance services.
Mobile Payment Solutions
Mobile credit card processing means bringing your business with
you—allowing you the convenience to accept payments anywhere,
anytime with your smartphone or tablet.
Premier Banking for Professionals
Professionals often have specialized banking needs. Rockland Trust’s
Premier Banking for Professionals offers a full range of products and
services to you, your firm, and your employees.
Condo/Property Management
The responsibilities and duties of association leaders and property
management firms are substantial and unique. That’s why we have
put together a set of banking solutions to simplify and streamline
your collection of monthly payments, cash management, project
financing, and other banking needs.
Fraud Prevention Tools
Rockland Trust has taken the initiative to protect our business customers
from the potential threat of fraud. We offer a range of products and
services to safeguard your money and give you greater control over
your transactions.
•
Positive Pay: Safeguards against
fraudulent check transactions
•
ACH Positive Pay: Safeguards
against unauthorized ACH
transactions
www.RocklandTrust.com
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Business Checking
Businesses are different, so we offer different checking choices to help you
manage your business. All Rockland Trust business checking accounts offer
convenient services to help you run your business on the go, such as online
banking with bill pay, mobile banking with mobile check deposit, mobile
authorization, and a business debit card.
Free Business Checking
Designed to help you run your small business efficiently, Rockland Trust’s
Free Business Checking is an ideal account for most small businesses. You’ll
get 200 free transactions per statement period,
1
and there is no minimum
balance requirement or monthly service fee.
Complete Business Checking
For businesses that require more from their checking account, we offer
Complete Business Checking. Among the many special discounts and
services are 500 free transactions per statement period;
1
a waiver of
the $25 service fee with an average daily collected balance of $10,000
in Complete Business Checking only, or $25,000 in all of your combined
business checking and savings deposits (excludes CDs), and a free
Business Owner High Yield Checking account for the CEO/owner.
Please Note: After the merger is complete, your account’s monthly
service fees will be waived for the rst three months. During that time,
you should evaluate our dierent checking and savings product
options and determine whether we have a product that better ts your
needs. To learn more about the products Rockland Trust oers, visit
RocklandTrust.com. If you prefer to switch products, please visit your
local branch or contact our merger support line at 508.732.3825 after
the merger is complete.
1 Includes debits, credits, scheduled transfers, and items deposited per monthly statement period. 50¢ per transaction over the free
transaction limit.
508.732.3825
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Business Interest Checking
2
With Business Interest Checking you’ll get 300 free transactions per
statement period,
1
an account that earns interest, and there is no minimum
balance requirement or monthly service fee.
Commercial Checking
Best suited for businesses that use treasury management services or have
high transaction volumes. Commercial Checking features an earnings
credit on balances, which can be used to offset monthly service fees.
3
IOLTA Checking
IOLTA Checking offers no monthly maintenance fee and no minimum
balance requirement, free transactions including wire transfers, and the
ability to initiate online wire transfers.
Please refer to the Account Summary provided with the enclosed
letter to conrm the name of your new checking or savings product,
and then learn more about your new product in the enclosed Account
Disclosure Statement.
2 Not available for new accounts opened after November 12, 2021.
3 The earnings credit rate is calculated using the 90-day T-bill as a benchmark during the statement period.
www.RocklandTrust.com
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Business Savings
and Money Market
Accounts
Business Savings
With a competitive interest rate and
20 free transactions per statement period,
1
it
pays to do your business banking with Rockland Trust.
A minimum daily balance of $1,000 waives the $5
monthly service fee.
Complete Business Money Market Savings
Your extra operating cash can earn money while remaining accessible
should you need it immediately. Our business money market account
gives you check access while paying competitive interest rates.
A minimum daily balance of $2,500 waives the $10 monthly service fee.
1 Transactions include all debits, credits, scheduled transfers, and items deposited per monthly statement period. 50¢ per transaction over the free
transaction limit.
508.732.3825
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2 See your account agreement for more details.
3 Rockland Trust may charge you a fee for the use of another bank’s ATM.
4 Zero liability applies to your purchases made in the store, over the telephone, online, or via a mobile device. As a cardholder, you will not be held
responsible for unauthorized transactions if you have used reasonable care in protecting your card from loss or theft and you have promptly reported to
Rockland Trust when you knew that your Mastercard® was lost or stolen. For additional protection with respect to unauthorized transactions, please see
your account agreement.
5 None of the listed companies are associated with, sponsor, or endorse this product.
6 Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC.
Samsung is a registered trademark of Samsung Electronics Co., Ltd.
Account Access Whenever You Need It
With so much of your banking accessible electronically,
it’s like your bank is always open. After all, it’s your money—
you should be able to access it whenever you want to.
ATM
Take the hassle out of making deposits with Rockland Trust Smart
ATMs—no envelopes or deposit slips needed. With Smart ATMs,
checks deposited
2
on a business day by 7:00 p.m. are generally available
the next business day, and cash deposits are available immediately.
In addition, Rockland Trust is a member of the SUM® program. Through the
SUM program, you can withdraw funds from thousands of ATMs in addition
to the more than 200 Rockland Trust ATMs without paying additional
surcharge fees.
3
The SUM program saves you time and money, making it
more convenient to access your cash.
Rockland Trust Contactless Debit Card
Your new Contactless debit card provides enhanced security when making
a purchase at checkout, and you are also protected from fraudulent
purchases with Mastercard Zero Liability.
4
In addition, using the SecurLOCK™ Equip app, you can turn access to your
debit card on and off instantly. And by using your Rockland Trust Debit
Card and CardSwap, you can update the payment information for all your
favorite subscriptions and digital services—such as Netflix, Amazon, and
Hulu
5
—in one place, at the same time.
Mobile Wallet
Start paying easily and conveniently with Apple Pay®, Google Pay™, and
Samsung Pay.
6
Use your Rockland Trust Debit Card and mobile device to
make purchases at over 220,000 retailers and in many apps. It’s the easy,
secure, and private way to pay.
CONVENIENCE BANKING
www.RocklandTrust.com
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Online Banking and Bill Pay
Go online to pay bills, transfer money, check balances, and more.
•
Pay Bills: Schedule one-time payments or set up recurring payments.
•
E-Bills: Have your eligible credit card, utility, and other bills sent directly
to your Rockland Trust account to help you manage your finances better.
•
Customized Alerts: Monitor your account(s) for fraud by setting up
account alerts. Set up email, push notifications, or text alerts for date
reminders, balance notifications, transaction alerts, and more.
•
Friends and Family Transfers: Instantly send and receive funds from
other Rockland Trust Online Banking customers.
1
•
External Transfers: Transfer money to accounts you may have at other
financial institutions.
•
CardSwap: Update your Rockland Trust Debit Card payment information
in online banking for all your favorite subscriptions and digital services
in one place with one click.
•
Mobile Authorization for Business Users: Keep your business
running smoothly when you’re away from the office. Approve
account transactions such as wire transfers, payroll, and more right
from your phone.
•
YourBanker: Chat with a dedicated banker using YourBanker.
It's as simple as texting a friend.
To learn more about Rockland Trust’s online banking services, please
visit RocklandTrust.com. If you are not currently an East Boston Savings
Bank Online Banking customer, you can sign up for Rockland Trust Online
Banking once the merger is complete on November 15th.
1 Not available for business customers.
508.732.3825
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2 Mobile banking is offered as a free service of Rockland Trust. You may incur and are responsible for any charges assessed by your mobile carrier. Contact
your mobile carrier for more information.
Mobile Banking
2
Whether you’re in line at the grocery store
and need to check your balance, or on vacation
and need to pay a bill, you always have access
to your most recent account information.
With the mobile banking app you can:
•
Access your account(s) with just your fingerprint.
Customers who have an iPhone X or later can use
Face ID to log in.
•
Deposit checks simply by taking a photo of the
front and back of the check with your smartphone
or tablet.
•
View account balances and search account activity.
•
Set up account alerts.
•
Transfer funds and pay bills.
•
Find the nearest branch or ATM location.
•
Chat with a dedicated banker using YourBanker. It's as simple
as texting a friend.
Mobile banking can be accessed through text messaging (SMS)
or by downloading the mobile app in your phone’s app store.
Free Telephone Banking
Bank by phone 24 hours a day through our automated telephone banking
system. If you require personal assistance, Rockland Trust Customer
Information Center associates are available seven days a week:
Weekdays: 7 a.m. to 8 p.m. Phone: 508.732.7072
Saturdays: 8 a.m. to 5 p.m.
Sundays: 10 a.m. to 3 p.m.
Please Note: If you are currently an online banking customer with
East Boston Savings Bank, you will receive a separate mailing in
late October with instructions on how to log on for the rst time
and get started with Rockland Trust Online Banking.
www.RocklandTrust.com
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At Rockland Trust, we place a high value on giving back to our
communities through volunteerism and philanthropy. ROCKCORP,
our employee-based volunteer group, provides assistance to
nonprofit organizations within the Rockland Trust footprint.
ROCKLAND TRUST IN YOUR COMMUNITY
508.732.3825
26
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www.RocklandTrust.com
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NANTUCKET
ISLAND
Branches with Sunday hours
1
Duxbury
Hull
Norwell
Rockland
Cohasset
Scituate
Manomet
Hingham
Pembroke
Hanover
Marshfield
Quincy
Kingston
Halifax
Abington
Weymouth
Foxborough
Stoughton
Randolph
Braintree
Waltham
Raynham
Bridgewater
Bellingham
Franklin
Milford
Mendon
Worcester
Shrewsbury
Medfield
Newton
Needham
Hyannis
S. Yarmouth
W. Dennis
Orleans
Chatham
Wareham
Osterville
Centerville
E. Falmouth
Falmouth
Edgartown
Oak Bluffs
Vineyard Haven
Mashpee
N. Falmouth
Bourne
Fairhaven
PROVIDENCE
Middleboro
Plymouth
Carver
Sandwich
New Bedford
Fall River
Somerset
Attleboro
Seekonk
Hanson
Whitman
Woburn
Arlington
Burlington
Chestnut Hill
Melrose
Somerville
BOSTON
Brockton
Brighton
Allston
Brookline
Westwood
Norwood
West Roxbury
Dedham
Newtonville
Hyde Park
Milton
Danvers
Peabody
Salem
Wakefield
Revere
Saugus
Medford
Belmont
Everett
East Boston
Winthrop
Dorchester
South Boston
Lynn
Jamaica
Plain
Amelia Drive
Pleasant St.
Orange St.
508.732.3825
28
ROCKLAND TRUST BRANCH LOCATIONS
as of November 15, 2021
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NANTUCKET
ISLAND
Branches with Sunday hours
1
Duxbury
Hull
Norwell
Rockland
Cohasset
Scituate
Manomet
Hingham
Pembroke
Hanover
Marshfield
Quincy
Kingston
Halifax
Abington
Weymouth
Foxborough
Stoughton
Randolph
Braintree
Waltham
Raynham
Bridgewater
Bellingham
Franklin
Milford
Mendon
Worcester
Shrewsbury
Medfield
Newton
Needham
Hyannis
S. Yarmouth
W. Dennis
Orleans
Chatham
Wareham
Osterville
Centerville
E. Falmouth
Falmouth
Edgartown
Oak Bluffs
Vineyard Haven
Mashpee
N. Falmouth
Bourne
Fairhaven
PROVIDENCE
Middleboro
Plymouth
Carver
Sandwich
New Bedford
Fall River
Somerset
Attleboro
Seekonk
Hanson
Whitman
Woburn
Arlington
Burlington
Chestnut Hill
Melrose
Somerville
BOSTON
Brockton
Brighton
Allston
Brookline
Westwood
Norwood
West Roxbury
Dedham
Newtonville
Hyde Park
Milton
Danvers
Peabody
Salem
Wakefield
Revere
Saugus
Medford
Belmont
Everett
East Boston
Winthrop
Dorchester
South Boston
Lynn
Jamaica
Plain
Amelia Drive
Pleasant St.
Orange St.
With more than 120 branches
throughout Massachusetts, our
banking specialists will always be
close by when you need them.
1 Subject to change.
www.RocklandTrust.com
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equal housing lender
288 Union Street
Rockland, MA 02370
www.RocklandTrust.com
Building Enduring Relationships Since 1907
Founded in 1907, Rockland Trust has been building relationships with
individuals and businesses to help them work toward their financial goals.
Our knowledgeable and skilled professionals listen to our customers’ needs
and work closely with each one to provide the right products and services.
Our services include Personal, Small Business, and Commercial Banking, and
Investment Management.
For more information regarding the merger, please call our merger support
line at 508.732.3825 or email Customer.Service@RocklandTrust.com
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