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What you need to know about your overdraft options

At Rockland Trust, we understand that accidental account overdrafts can happen from time to time.

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. Unexpected overdrafts can happen to anyone, and can be caused by a variety of circumstances, such as:

  • An electronic deposit becomes delayed.
  • Mathematical mistakes overstate your checkbook balance.
  • Joint account holders make unplanned transactions on the same day.

Overdraft Privilege

Overdraft Privilege is our standard overdraft service that comes with certain accounts. With this service, Rockland Trust may authorize and pay checks written, automatic bill payments, and other electronic transactions that exceed your current account balance (as long as your account is in good standing). If you inadvertently overdraw your account, we may cover your overdrafts and any associated fee(s), thus saving you the inconvenience of any bounced checks and fees normally charged to you by merchants for checks returned to them.  All fees and charges are due and payable upon demand.  Standard overdraft charges apply.1 The standard Overdraft Privilege program does not cover overdrafts caused by ATM and debit card transactions.

Overdraft Privilege Plus (for debit and ATM card transactions)

Overdraft Privilege Plus is an option that extends the same coverage as our standard Overdraft Privilege, but also covers ATM and debit card transactions.  All fees and charges are due and payable upon demand. We will not authorize or pay overdrafts for these types of transactions unless you enroll for ATM and debit card Overdraft Privilege Plus. Standard overdraft charges apply.1

  Standard Overdraft Privilege Overdraft Privilege Plus
Overdrafts we may cover Checks
Automatic Bill Payments
ACH Debits
Automatic Bill Payments
ACH Debits
Debit Cards
ATM Cards
Overdrafts we will not cover Debit Cards
ATM Cards

Advantages of Overdraft Privilege Plus

  • Greater flexibility managing money.
  • Flexibility for handling situations when unforeseen expenses deplete your account balance.
  • Reduces your chances of having a debit card transaction denied.

By signing up for Overdraft Privilege Plus, you can avoid unexpected situations when using your ATM or debit cards. There is no fee to sign up for Overdraft Privilege Plus, but our standard per item overdraft fees will apply if you overdraw your account.

Services to help you manage your account

Overdraft Protection Line of Credit2

An Overdraft Protection Line of Credit provides automatic coverage up to your available credit line whenever you write a check or make a withdrawal for more than your checking account balance.

Overdraft Protection from Savings

Overdraft Protection from Savings automatically withdraws funds from your savings account and deposits them into your checking account in the event of an overdraft.

Other Resources

Here are some additional articles if you would like to understand more about Overdrafts and alternatives to avoid them:  

  1. Overdraft Charge (our standard charge) $35--For each Debit transaction more than $5.00 that creates an overdraft on your deposit account.  Negative Balance Fee $35.00--Charged on 5th consecutive business day your deposit account balance is negative.  18/65 accounts will be charged a $5.00 per item overdraft charge. 
  2. Subject to credit approval.

Customer Service:

   Call 1.800.222.2299

  Weekdays: 7 am - 8 pm
Saturday: 8 am - 5 pm

Sunday: 11 am - 3 pm