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Welcome Nantucket Bank Customers

Nantucket Bank: A Division of Rockland Trust

 

Your accounts transitioned to Rockland Trust on Monday, June 10, 2019. We are excited about this combination and the opportunity to provide you with outstanding banking products and services to help meet your financial goals.

Please use the information below to learn more about Rockland Trust and the transition of your accounts.


Information Center and Frequently Asked Questions


What is Rockland Trust’s routing and transit number?

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close answer x The Rockland Trust routing and transit number is 011304478. Important: The Nantucket Bank routing and transit number will expire one year after the merger was completed. To avoid interruption, you should provide the Rockland Trust routing and transit number to any companies/service providers that send automatic debit or credit transactions to your account.

Can I use my current checks or deposit tickets?

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close answer x If you have a checking account, you may continue using your existing checks beyond the merger date. You will receive a communication on how to order your new Nantucket Bank checks in early July.

Why do I see a charge for $0.00 on my account?

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close answer x For account maintenance purposes, we show you all transactions you have done even if the fee gets waived on your account. These charges will show up on your account as a charge of $0.00.

Will Rockland Trust continue to automatically deduct payments, bills, and external loan payments from my account?

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close answer x Yes. Electronic payment arrangements will continue uninterrupted. Important Note: If you have recurring payments processed through your current Nantucket Bank Debit Card, be sure to provide your new debit card number to your service providers to ensure a smooth transition.

Will Rockland Trust continue to automatically debit my deposit account for my loan payment?

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close answer x Yes. Any automated payment arrangements will continue uninterrupted. The bank will attempt to withdraw funds from your deposit account for three days beginning on your scheduled automatic payment date.

Will I receive a new ATM and/or debit card?

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close answer x Yes. You should have already received a new chip-enabled debit card with important information about card activation. In addition, you should have received a separate mailing with your new PIN information. If you did not receive a debit card in the mail, please visit your local branch and they can instantly issue you a new debit card upon your visit.

If you had any automatic payments made from your Nantucket Bank Debit Card, they will no longer work. In order to continue automatic payments, please contact your service providers to update them with your new Nantucket Bank Debit Card number.

If you are an existing Rockland Trust debit/ATM cardholder, you should have received a new chip-enabled debit card to access your Nantucket Bank account(s). If you would like, you can contact the bank and link your accounts to one card.

When can I activate my new debit card?

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close answer x You can activate and begin using your new Nantucket Bank Debit Card now.

Will my branch remain open?

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close answer x Yes. All Nantucket Bank branches opened as a division of Rockland Trust on Monday, June 10th.

Can I use Rockland Trust branches?

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close answer x Yes. You will have access to all Nantucket Bank branch locations plus all Rockland Trust branch locations.

Will I have access to my Nantucket Bank account history?

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close answer x A limited amount of your online banking transaction history transferred over; however, your eStatements with Nantucket Bank did not transfer. Going forward, you will have access to 13 months of transaction history in online banking and three years of eStatements.

What will the name of the bank be?

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close answer x The name of the bank is Nantucket Bank, a division of Rockland Trust.

Does Rockland Trust offer online banking?

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close answer x Yes. If you were an online banking and bill pay customer, you should have received a separate mailing from us in mid-May with instructions on how to get started with Rockland Trust Online Banking.

Does Rockland Trust offer mobile banking?

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close answer x Yes. Rockland Trust offers mobile banking with mobile check deposit. You can download our app on your phone’s app store.

Does Rockland Trust have telephone banking?

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close answer x Yes. With Rockland Trust’s Telephone Banking, you can access account information, transfer funds between accounts, make loan payments, and do much more when and where it’s convenient for you. For security reasons, you will need to establish an access number and PIN to use our telephone banking system. To establish an access number and PIN, you can visit your local branch or call our Customer Information Center at 508.732.7072.

What will happen to my safe deposit box?

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close answer x If you are a safe deposit box owner, there will be no interruption with your service or box location.

Does Rockland Trust offer a service that allows me to make external transfers and send money to friends and family?

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close answer x As a personal banking customer, you can use the Friends and Family Transfers feature in online and mobile banking to transfer money to another active Rockland Trust Online Banking customer. In addition, you can use our external transfer feature to transfer money to accounts you may have at other financial institutions.

Can I continue to use my Nantucket Bank Credit Card?

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close answer x Yes. You can continue to use your existing Nantucket Bank Credit Card without any interruption.

When will I receive my last statement from Nantucket Bank?

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close answer x A final Nantucket Bank account statement for all checking and savings accounts was mailed with up-to-date information as of June 7th. If you receive electronic statements, you should have received your final statement via mail.

Can I use my current checks or deposit tickets?

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close answer x If you have a checking account, you may continue using your existing checks beyond the merger date. You will receive a communication on how to order your new Nantucket Bank checks in early July.

Why do I see a charge for $0.00 on my account?

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close answer x For account maintenance purposes, we show you all transactions you have done even if the fee gets waived on your account. These charges will show up on your account as a charge of $0.00.

Will Rockland Trust continue to automatically deduct payments, bills, and external loan payments from my account?

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close answer x Yes. Electronic payment arrangements will continue uninterrupted. Important Note: If you have recurring payments processed through your current Nantucket Bank Debit Card, be sure to provide your new debit card account number to your service providers to ensure a smooth transition.

Will my account number(s) remain the same?

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close answer x In most cases your account numbers did not change. Account numbers were communicated on the Account Summary sheet.

Does Rockland Trust offer Deposit Insurance?

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close answer x Rockland Trust is a strong, secure, and well-capitalized bank and a safe place for deposits. All deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000. This coverage can be increased for larger deposits through titling of accounts. We also participate in the Certificate of Deposit Account Registry Service (CDARS). These certificates of deposit (CDs) enable customers to insure their deposits up to $50 million. Funds in a noninterest-bearing transaction account are insured up to the FDIC limit of $250,000. More information about this coverage, and the process of determining maximum coverage, may be obtained from branch staff or www.FDIC.gov.

Deposits at Nantucket Bank were also insured by the FDIC up to at least $250,000. As a result, the merger did not affect deposit insurance coverage for many customers. If you had accounts at both Rockland Trust and Nantucket Bank, under federal law you will continue to receive the same FDIC coverage as if your accounts were still at separate banks for six months after the transition. CDs will continue to receive separate FDIC insurance coverage until the first maturity date after the six-month period. After six months have passed, if your total account balances exceed $250,000, any excess may not be covered by FDIC insurance.

When will funds from my deposits be available?

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close answer x Under our Funds Availability Policy, your deposits are generally available on the first business day after the business day we receive them. Electronic direct deposits and cash deposits are generally available the business day we receive them. We may extend these times in certain cases. Please refer to the enclosed Funds Availability Policy for more details.

What will happen to the direct deposit payments going into my account?

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close answer x There will be no immediate interruption in your direct deposits. After the merger is complete, if you have companies that make direct deposits to your account, you may receive a paper check during the time the person/company is updating your records.

The Nantucket Bank routing and transit number will expire one year after the merger was completed. To avoid interruption, you should provide the Rockland Trust routing and transit number to any companies/service providers that send automatic credit transactions to your account.

What will happen to the direct deposit of Social Security, pension, or government payments into my account?

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close answer x Direct deposit of Social Security, pension, or government payments will automatically continue. However, a notification of change was sent to the person/company that is initiating the transaction, asking them to change the routing and transit number to 011304478, as the current Nantucket Bank routing and transit number will expire one year after the merger was completed. You may receive a paper check during the time the person/company is updating your records. Please contact your provider for any additional instructions.

Will I have access to ATMs in the SUM® program after the conversion?

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close answer x Yes. In addition to having more than 145 ATM locations throughout eastern Massachusetts, Rockland Trust and Nantucket Bank are members of the SUM® program. Note: Rockland Trust may charge you a fee to use another bank’s ATM even within the SUM® Network. However, the other bank’s fee will not be charged.

Will there be any changes to my deposit statements?

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close answer x Your statement(s) will look slightly different, and all future statements will come from Rockland Trust. You will receive your savings statement monthly if there has been an electronic transaction that month; otherwise, you will receive your statement quarterly. Checking account statements will be mailed monthly.

If you received eStatements for your checking or savings accounts, you will need to reinstate them by accepting the eStatement disclosure in the Rockland Trust Online Banking system after the merger is complete.

Will there be any changes to my existing Certificate of Deposit (CD)?

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close answer x The interest rate and term of your existing CD will remain the same through its maturity. Prior to maturity, you will receive a CD pre-renewal notice. At maturity, or during the grace period of 10 calendar days following and including the maturity date, you may change the term, interest payment frequency, or principal amount of your CD. During the grace period, you may also choose not to renew your CD. If you do not renew your CD, you will not earn interest past the maturity date. If you do not make any changes, your CD will automatically renew for the term indicated on your CD pre-renewal notice.

Note: If you had a CD that allowed for deposits (Flex CD) or interest rate increases (Bump CD), these are no longer offered and your account was converted to a traditional CD. This means you will no longer be able to add funds or adjust your interest rate.

Why did my Certificate of Deposit (CD) not pay out all of its interest?

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close answer x Rockland Trust CDs pay out interest once per month on the payment date. However, the payment date’s interest is not reflected in that pay out.

The interest from the payment date of each month will always be reflected in the following month. For example, if your payment date is on the 15th of every month, the interest from the 15th will be paid in next month’s interest pay out.

Will there be changes to my CD/IRA passbook account?

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close answer x You will continue to earn interest on your CD/IRA account. However, Rockland Trust does not offer passbooks for CD/IRA accounts. If you have a CD passbook account, you will receive a notice 30 days prior to maturity. If you have an IRA account, statements will be mailed semiannually.

Will the terms of my IRA account change?

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close answer x No. There will be no changes to the terms of your existing IRA. Since the merger, Rockland Trust became the custodian of your IRA.

Will I still have access to my overdraft protection line?

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close answer x Yes. If you have overdraft protection and overdraw your account, you will be covered for the exact amount of the overdraft, up to the amount of your overdraft protection line.

When are overdraft protection payments due?

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close answer x Monthly payments are due 25 days from the date of your statement.

Will I still have access to my Optional Overdraft Protection Service?

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close answer x You will have access to Rockland Trust’s Discretionary Overdraft Privilege service. Discretionary Overdraft Privilege will be limited to a maximum of $750. Discretionary Overdraft Privilege does not cover overdrafts caused by ATM and debit card transactions. If you wish to opt in to this service, please visit your local branch or call the Customer Information Center. This feature is not available for Commercial Checking accounts.

Will Rockland Trust continue to automatically debit my deposit account for my loan payment?

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close answer x Yes. Any automated payment arrangements will continue uninterrupted. The bank will attempt to withdraw funds from your deposit account for three days beginning on your scheduled automatic payment date.

Will my loan account number remain the same?

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close answer x In most cases your account numbers did not change. Account numbers were communicated on the Account Summary sheet.

Are there any changes to the terms of my loan(s)?

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close answer x No. The terms of your loan(s) will remain the same.

Where do I make my loan payments?

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close answer x You can make loan payments through online banking, at any Nantucket Bank or Rockland Trust branch, or by mailing your payment to:

Rockland Trust
P.O. Box 32
Middleboro, MA 02346

Online Payments: If you use an online bill pay provider outside of Nantucket Bank, please update your account with the address above. Rockland Trust’s routing number is 011304478.

Will I still be able to use my Home Equity Line of Credit?

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close answer x Yes. You will still have access to your line of credit. Draw amounts will be for the exact amount of the advance. Draws will no longer be in increments of $100. You will receive a new packet of home equity checks. You should continue to use your Nantucket Bank home equity checks until you receive your new home equity checks. Upon receipt of the new checks, please destroy the packet you are presently using.

When is my Home Equity Line of Credit payment due?

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close answer x Home Equity Line of Credit payments are due 25 days from the date of your statement.

I have a loan secured by collateral. What do I need to provide to my insurance company?

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close answer x To update your policy, you will need to contact your insurance company and provide them with the following Mortgagee/Loss Payee information.

Rockland Trust ISAOA/ATIMA
P.O. Box 812
Norwell, MA 02061

When will I receive my online banking package in the mail?

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close answer x Online banking packages went out on May 23, 2019. If you did not receive an online banking package, please contact your local branch or the Customer Information Center at 508.732.7072. Until then, please view the online banking materials above as well as some additional frequently asked questions below.

Why do I see a charge for $0.00 on my account?

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close answer x For account maintenance purposes, we show you all transactions you have done even if the fee gets waived on your account. These charges will show up on your account as a charge of $0.00.

Will my online banking username change?

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close answer x Unless told otherwise, your Rockland Trust Online Banking User ID is the same as your Username for Nantucket Bank Online Banking.

How do I log in to Rockland Trust Online Banking for the first time?

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close answer x Note: If you received a letter with an assigned User ID, enter that in the User ID box on Step 3

On a computer or laptop:

1. Go to NantucketBank.com or RocklandTrust.com and click on the blue Account Logins box in the top right corner of the screen.
2. On the next screen, click the box at the bottom of the screen that says Attention.
3. Submit your Nantucket Bank User ID to create your password.
4. Select the way in which you would like to receive your Secure Access Code.
5. Enter the Secure Access Code in the box and click Submit. The code is valid for only 15 minutes. If it expires, you can always request a new one.
6. Validate the information in the User Profile. If changes need to be made, update your information under the Services menu within online banking and click Submit Profile.
7. Create a new password following the requirements listed on the page and click Submit at the bottom of the page.
8. Read the Online Banking Agreement and scroll to the bottom to accept its terms. Click the I Accept button to formally accept the Online Banking Agreement.
9. Upon your second login, you will be prompted with the option to register the device you’re on. If you register the device, you may no longer need to obtain a Secure Access Code when logging in from the same computer.

On a tablet or smartphone:

1. Visit the App Store or Google Play to download the Rockland Trust Mobile Banking app.
2. Open the Rockland Trust Mobile Banking app and click on I am a new user.
3. Follow steps 3 through 9 above.

When can I access Rockland Trust Online Banking?

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close answer x Access to your accounts at Rockland Trust Online Banking began on June 10 at NantucketBank.com or RocklandTrust.com, or through the Rockland Trust Mobile Banking app.

What is a Secure Access Code?

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close answer x When you log in to Rockland Trust Online Banking, you will be prompted to receive a Secure Access Code. This one-time-use code allows you to securely log in to our online banking system.

How will I receive my Secure Access Code?

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close answer x The code will be sent to the email or phone number associated with your Nantucket Bank Online Banking account.

Do I have to enter a Secure Access Code every time I log in?

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close answer x Upon your second login, you will be prompted with the option to register the device you’re on. If you register the device, you may no longer need to obtain a Secure Access Code when logging in from that same device. We recommend selecting this option for your personal devices including your computer, laptop, tablet, and mobile phone on a secure network.

If you do not select this option, you will be required to obtain and enter a Secure Access Code each time you log in.

Note: To maintain your device registration (and not have to obtain and enter a Secure Access Code with each login), you must configure your browser to accept and retain cookies from Rockland Trust. If your device is set up to regularly delete cookies or has an automated program that does so, you'll be prompted to register your device after that deletion occurs. You also may be prompted to register your device again if you upgrade your operating system or browser.

What information will transfer to Rockland Trust Online Banking?

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close answer x The following information will be transferred:

• General account information and Username
• Active bill pay payee information
• Scheduled and recurring bill payments
• Bill payment history for active payees for the past six months. Please note that your bill payment history will not be available for viewing for three to five days after June 10
• Scheduled and recurring transfers among your Nantucket Bank accounts
• Limited online banking transaction history

What information will NOT transfer to Rockland Trust Online Banking?

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close answer x The following information will not be transferred:

• Copies of eStatements
• Linked accounts with another financial institution
• Scheduled and recurring transfers between your account and another financial institution
• Electronic bill information, account alerts, and account nicknames
• Third-party payment services, such as Pop Money
• QuickBooks and Quicken online banking account links
• If you are a business customer with more than one account user, you will need to reestablish those users and assign user rights

How do I reinstate eStatement delivery in Rockland Trust Online Banking?

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close answer x If you received eStatements and wish to continue doing so, you can reinstate your choice within Rockland Trust Online Banking by clicking on the Statements tab and accepting the eStatement disclosure. Otherwise, your statements will be mailed to you.

Will my alerts and scheduled or recurring transfers in Nantucket Bank Online Banking process as normal?

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close answer x Your current alerts and all scheduled or recurring transfers processed through Friday, June 7, 2019.

Will I still have access to bill pay?

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close answer x If you currently use bill pay, all of your scheduled bill payments will continue to process without interruption. All payees, recurring payments, payment information, and bill payment history for active payees for the past six months will transfer to Rockland Trust Bill Pay. Bill payment history will not be available for viewing for three to five days after June 10.

Will I still be able to perform passbook transactions through online banking?

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close answer x Nantucket Bank customers will be able to view their passbook account(s) and transaction history in online banking. However, customers will no longer be able to perform passbook transactions through online banking.

Can I change my User ID?

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close answer x If you would like to change your User ID, log in to online banking then go to Settings > Security Preferences > Change Login ID.

I already have Rockland Trust accounts and Rockland Trust Online Banking. What should I do?

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close answer x If you were an online banking customer of Nantucket Bank and Rockland Trust, your Nantucket Bank account was rolled into your existing Rockland Trust Online Banking. You will be able to use your current Rockland Trust User ID to log in to your account. However, the following information will not transfer over:

Your bill pay payee and payment information from your Nantucket Bank account. You will need to reestablish this information.
Scheduled and recurring bill payments. You will need to reestablish this information in Rockland Trust Bill Pay.
Scheduled and recurring transfers. You will need to reestablish this information in Rockland Trust Online Banking.

How do I add multiple users to my business accounts?

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close answer x Once you’ve logged in to Rockland Trust Business Online Banking, if you are the account owner, you can set up additional users and assign user rights. For more information about user rights, visit NantucketBank.com or RocklandTrust.com to view our Business Online Banking User Guide.

Will my Rockland Trust Online Banking still be linked to QuickBooks or Quicken?

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close answer x If your online banking account is linked to QuickBooks or Quicken, you will need to merge or relink your account. Please click HERE for more information.

What if I don’t see my account(s) on my online banking?

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close answer x If you don’t see an account that should be on your online banking, call our merger support line at 508.732.3825 or message our Customer Information Center through online banking. To send a message, log in to online banking and then click Messages > New Conversation > Select topic of Add An Account.

Does Rockland Trust offer a mobile app?

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close answer x Yes. Visit the App Store or Google Play to download the Rockland Trust Mobile Banking app.

Where do I find the SecurLOCK™ Equip app?

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close answer x You can find the SecurLOCK Equip app on the App Store or Google Play by searching “SecurLOCK”.

How can I learn more about the features and benefits of Rockland Trust Online and Mobile Banking?

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close answer x To learn more about Rockland Trust Online and Mobile Banking, click HERE.
 
 
 
 
 
 
 
 
 
 
 
 
 
Rockland Trust Online Banking User Guides

click to download electronic banking guide

business online backing guide