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18/65 Interest Checking

Checking for the young and young at heart.

Here's one way to bridge the generational gap. Our 18/65 Interest Checking is a combination senior/youth checking account that lets you earn interest on your deposits. Plus, you get all the convenient access you need through online and mobile channels, as well as a vast nationwide ATM network. This account is designed for Massachusetts customers who are ages 18 years and younger or 65 and older.1

Current 18 /65 Checking Rates

18/65 Checking .02% .02% $1 $25 Monthly
Interest rates and APYs are effective 07/19/2017 and subject to change. Variable interest rates; may change after the account is opened. Fees could reduce your earnings.


Save for what matters to you. 

There's plenty to love about 18/65 Interest Checking. It's the account that provides what you need and doesn't slow you down.

  • No minimum balance requirement or monthly maintenance fee
  • Includes a Rockland Trust Debit MasterCard® 
  • Free access to Online Banking and Mobile App 
  • Access surcharge-free ATMs nationwide through the SUM Network®²
  • Free first order of standard checks
  • Free money orders and stop payments

grandfather and grandson

Keep these fees in mind when withdrawing money.

  • Rockland Trust ATMs: Free
  • Non-Rockland Trust ATM: $2 from Rockland Trust²
  • Balance inquiries or transfers at Non-Rockland Trust ATMs: $1. The party that owns or operates the ATM (or network) may also charge you an additional fee for the transaction.

Additional Resources

Helping you every step of the way. 

SecurLOCK™ Equip

The power to protect your Rockland Trust Debit Card is in your hands.
Let us help you...

Find a Branch


Let us help you...

Find a branch

Overdraft Protection

What you need to know about your overdraft options. 

Learn more

Account Selector

Not sure what account is best for you? Use our account selector tool.

Transaction Limits: You may make an unlimited number of withdrawals or transfers from your savings account 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 transfers or transactions from your 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 savings account per statement cycle period. If you exceed your Limited Transaction limit on your 18/65 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 savings account, or change this type of account to a different deposit account you are eligible to maintain.

1. You must be age 18 or younger or 65 or older to open the 18/65 Interest Checking Account. You may have only one 18/65 Interest Checking Account. Effective on your 19th birthday, your account will be converted to a similar product type. If you are a full or part-time student at age 19, you may be eligible for our Free Student Checking Account. 

2. Other institutions may impose a surcharge for use of their ATM if not part of the SUM Network. Rockland Trust may charge a fee for use of another institution's ATM.