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 and fees for personal accounts?

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

Q: What are Rockland Trust's overdraft services and fees for business accounts?

A: To view the different overdraft options and fees, 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 is a Returned Item?

A: An item is returned 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.  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.