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Overdraft Services

Understanding overdrafts and how to avoid fees

While we do not encourage overdrafts, we understand that life gets busy and sometimes you lose track on how much money is in your account, or you have an unexpected shortage of funds. Your relationship is important to us and our goal is to help you manage your money and avoid unexpected overdraft fees.
We encourage you to consider our other overdraft services, which may be less expensive than our overdraft privilege service. We also encourage you to review the account management tips and helpful resources for avoiding overdraft fees.

In the event you overdraw your account, Rockland Trust has less costly options available to you

Overdraft Account Link
Overdraft Account Link covers overdrafts by transferring funds automatically (up to your available balance) from another of your Rockland Trust savings or checking accounts. There is a $5 per daily transfer fee. The fee will be rebated on the following business day if the transfer fails to cover at least one overdraft.
Overdraft Protection Line of Credit
An Overdraft Line of Credit covers overdrafts on your checking account by advancing funds automatically to your checking account, up to the amount of your approved credit limit. An Overdraft Protection Line of Credit is subject to credit approval. If approved, there is a $35 annual fee.
How to Apply
To apply for an Overdraft Protection Line of Credit or to set up Overdraft Account Link, visit a Rockland Trust branch or call 508.732.7072.
The best way to avoid overdrafts and fees is to monitor your account balances and activity. Here are some tools and tips that make it easy:

Sign up for online or mobile banking
Easily view your account transactions and available balance.
Track your balance
You can view your account balances 24/7 with online banking, mobile banking, telephone banking, or at a Rockland Trust ATM. If an overdraft occurs, deposit money into your account(s) as soon as possible to prevent any additional overdraft fees.
Set balance alerts
Set up low balance alerts in online and mobile banking for notification by email or text message when your balance falls below the amount you choose.
Keep your check register up to date
Reconcile your statements each month. Enter each deposit, check, debit card purchase, transfer, and ATM withdrawal as it is made. Do not forget to record any automatic payments that come out of your account such as Netflix or a gym membership.

Sign up for direct deposit
Have your paycheck automatically deposited in your account to get faster access to funds and ensure your money is available when you need it.

To compare all of our overdraft services, click  below.


Q: What is an overdraft?

A: An overdraft occurs when you don't have enough money in your account to cover a transaction, and the bank pays it. This can happen when you write a check, withdraw money from an ATM, use your debit card to buy something, pay a bill through online banking, and other transactions.

Q: What are Rockland Trust's overdraft services?

A: To view a full list and to compare the available options, please click HERE.

Q: How do I sign up for any of Rockland Trust's overdraft services?

A: To sign up for one of our overdraft services, please visit your closest branch location or call our Customer Information Center at 508.732.7072.

Q: What are Rockland Trust's overdraft fees?

A: To view the different overdraft options and fees, please click HERE.

Q: What is a Returned Item Insufficient Funds charge?

A: Return Item Insufficient Funds charge occurs when you don't have enough money in your account to cover a transaction and the bank does not pay it. That transaction, or item, is marked as returned.

NOTE: Please be aware that merchants and third parties sometimes re-present items that we may have previously returned unpaid. This means that multiple Returned Item Insufficient Charges may be assessed for the same item if the sending bank, merchant, or third party request that the item be re-presented for payment and you still do not have the available funds to pay that item. There is no limit on the number of attempts for re-presentment from a sending bank, merchant, or third party.

Q: What is the difference between available balance and current balance?

A: Your available balance is the amount of money in your account that is available for purchases and withdrawals. Your available balance may change as deposits and debit transactions are made. We may reduce your available balance by the amount of pending authorization holds. Certain merchants (such as hotels and gas stations) may request an authorization amount that exceeds the price of goods or services ultimately purchased. Other merchants (such as restaurants) may not include potential additional amounts (such as a gratuity) in the authorization request. The final amount is posted to your account when the transaction has cleared.

Your current balance is the balance in your account at the close of the most recent business day. It does not take into account any debit card purchases, deposits, or withdrawals made since the close of the most recent business day.

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