How to Avoid Fees

How to Avoid Fees.

For more information on how to avoid fees or to learn more about other product options that might better suit your needs, visit your nearest branch, call 800.222.2299 or try our Business or Personal account selection tools.
Type of fee How to avoid it
ATM Balance Inquiries or transfers at a
Non-Rockland Trust ATM 
The simplest way to avoid ATM fees is to use a Rockland Trust ATM whenever possible. You can also use mobile, online, or telephone banking to access your balance information and make account transfers at no charge. 1

Dormant Account

If you no longer need the account, transfer the funds to another account you have with us or close the account.

Passbook Savings Account
A $5.00 monthly maintenance fee will be assessed if the daily balance in your Passbook Savings account falls below $250 on any day of the statement period.

Consider changing your account to our Free Savings account that has no minimum balance and no monthly maintenance fee. If you prefer to keep a Passbook Savings account, try to keep the minimum balance of $250. You can change your account at a branch or by calling 800.222.2299

Wire Fees

Look for alternative ways to send or receive funds that are less expensive, such as the transfer function within online banking.
Research Fees

Use online banking to view check images and account transaction history. Consider going paperless! Enrolling in paperless statements will give you access to 3 years of account statements.
Money Order  Consider utilizing personal checks or using online banking bill pay to make payments. Using bill pay to make your payments also saves you money on postage.
Treasurer's Check  Consider utilizing personal checks or using online banking bill pay to make payments. Using bill pay to make your payments also saves you money on postage.
type of fee
HOW TO AVOID IT
Commercial Checking Accounts
Transaction fee
Depending upon the number of transactions you do per month, consider a Free Business Checking account that has no minimum balance requirement and no monthly fee with 200 transactions per month ($0.50 each after 200.)

Free Business Checking Accounts
Free transactions per month - 200 per statement period

If you find that you are doing significantly more than 200 transactions per statement period, you may want to evaluate if a Premier Business Checking account can help you reduce fees. Our branch banker can review your activity to help you determine the best option or try our online tool .

Business Savings Accounts
Monthly service fee - $5.00
Minimum daily balance to waive the monthly service fee - $1,000

Consider making regular weekly deposits to keep the account from falling below the balance threshold.
ATM Balance Inquiries or transfers at a
Non-Rockland Trust ATM 
The simplest way to avoid ATM fees is to use a Rockland Trust ATM whenever possible. You can also use mobile, online, or telephone banking to access your balance information and make account transfers at no charge.1

Dormant Account 

If you no longer need the account, transfer the funds to another account you have with us or close the account.

Wire Fees

Look for alternative ways to send or receive funds that are less expensive, such as the transfer function within online banking.
Research Fees

Use online banking to view check images and account transaction history. Consider going paperless! Enrolling in paperless statements will give you access to 3 years of account statements.
Money Order  Consider writing a check or using online banking bill pay to make payments. Using bill pay to make your payments also saves you money on postage.
Treasurer's Check Consider writing a check or using online banking bill pay to make payments. Using bill pay to make your payments also saves you money on postage
Not sure if you have the right account? Try our online tool to see if a different account may better fit your banking needs.

Business account tool > Personal account tool >

1. You may make an unlimited number of withdrawals or transfers from your savings account(s) and/or money market account(s) so long as they are done in person at one of our ATMs or branch locations. However,federal regulations limit your ability to make certain types of withdrawals and transfers from these accounts. Under these regulations any checks, drafts or debit card transactions (or similar payment orders)drawn on your money market account that are payable to third parties (no such transactions are permitted on your savings accounts), as well as any transfers or transactions from your money market or savings account to another of your accounts with us or to third parties by preauthorized or automatic means, personal computer (including online banking or bill payment services) or telephone (including facsimile or data transmission) are considered “Limited Transactions.” You are limited to a total of six(6) Limited Transactions from your money market and savings account per statement cycle period. We count check transactions on your money market account on the day the check is presented to us for payment, regardless of when you may have written it (including if it was written in a prior statement cycle). If you exceed your Limited Transaction limit on your Money Market Savings Account, we may assess you an Excess Transaction Fee for each Limited Transaction over the limit. Additionally, if you exceed your Limited Transaction limit on a regular basis, we may close your money market or savings account, or change this type of account to a different deposit account you are eligible to maintain. Refer to your Personal Deposit Account Agreement (PDAA) for more details.