Welcome East Boston Savings Bank Customers | Rockland Trust

Welcome East Boston Savings Bank Customers

East Boston Savings Bank Customers

We are honored to welcome our new East Boston Savings Bank customers to Rockland Trust and look forward to the strong relationships we will forge together.

Your East Boston Savings Bank accounts transitioned to Rockland Trust on Monday, November 15, 2021. Please use the information on this page to learn more about Rockland Trust and the transition of your accounts.

Answers to Your Top Questions

Debit Card

If you did not receive your Rockland Trust Debit Card or PIN in the mail, please visit any branch to pick up a new card or to reset your PIN.

Online and Mobile Banking

You can now log in to Rockland Trust Online and Mobile Banking.
First time logging in?
Online Banking

Step 1: Click on the blue Account Logins box at the top right corner of this page.
Step 2: Click the box at the bottom of the screen that says Attention.
Step 3: Submit your East Boston Savings Bank User ID to create your password.

Mobile Banking

Step 1: To get started with Rockland Trust Mobile Banking, visit the App Store or Google Play to download the app.
Step 2: Open the Rockland Trust Mobile Banking app and click on I am a new user.
Step 3: Submit your East Boston Savings Bank User ID to create your password.
Business online banking: you should have received a letter with your business User ID. Your new business User ID is a combination of your User Name and Company ID at East Boston Savings Bank. If you do not know your User ID, please call 508.732.3825.

Direct Deposit

Payments such as direct deposit of your payroll, Social Security, pension, or government payment will automatically continue to be deposited into your account.

Statements

Your final account statement from East Boston Savings Bank was mailed with information as of November 12^th. If you did not receive your statement, please call 508.732.3825.

Checks

If you have a checking account, you may continue using your existing checks beyond the merger date. However, you should have received a communication on how to order Rockland Trust checks. If you did not receive this, please call 508.732.3825.

Logging in to online banking and mobile banking
for the first time

logging into online banking

logging into mobile banking

Information Center

General
Deposit
Loans
Online Banking

What is Rockland Trust’s routing and transit number?

close answer x The Rockland Trust routing and transit number is 011304478.

When can I start using Rockland Trust branches?

close answer x You can now use any Rockland Trust branch location.

Will any branches close?

close answer x In connection with the merger into Rockland Trust and after careful consideration, we closed some East Boston Savings Bank branches on Friday, November 12, 2021. For a full list of branches after the merger was completed, please visit RocklandTrust.com/EBSB-Branch-Availability.

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

Yes. You should have received a new Contactless chip-enabled debit card with important information about card activation and when you should start using the new card. In addition, you should have received a separate mailing with your new PIN information. If you did not receive this, please call 508.732.3825.

Important: If you have automatic payments processed through your East Boston Savings Bank Visa Debit Card, for instance, any health club memberships, Netflix, or Hulu accounts, be sure to provide your new Rockland Trust Debit Card account number to your service providers to avoid interruption with your service.

If you are also an existing Rockland Trust Debit/ATM cardholder, you should have received a new card to access your converting East Boston Savings Bank account(s). You can contact us and link your account(s) to one card.

When can I activate my new debit card?

close answer x You can activate and begin using your new Rockland Trust Debit Card now.

Who is Rockland Trust?

Rockland Trust is a community-oriented commercial bank headquartered in Massachusetts that has been serving consumers and businesses since 1907. Rockland Trust has a deep commitment to the communities it serves and takes great pride in delivering exceptional customer service. As of December 2021, Rockland Trust has 122 branches, 20 commercial lending centers, 10 investment management offices, and 12 mortgage offices located throughout Massachusetts, including Greater Boston, the South Shore, Cape Cod and the Islands, the South Coast, and Worcester County.

We provide personal and business banking, commercial lending, investment management, insurance, mortgages, home equity lending, and mobile and online banking. Rockland Trust is a leader in business and commercial banking, having been awarded Gold by Banker & Tradesman for their "Best of Awards" in Commercial Lending and Alternative/Hard Money Lending as well as Silver for Real Estate Lending. In addition, Rockland Trust was ranked the #1 Bank in Massachusetts on Forbes’ 2020 World’s Best Banks list.

At Rockland Trust, we strive every day to be the bank Where Each Relationship Matters® and we believe that our future is tied to the well-being of the communities we serve. Being a good neighbor and giving back to the communities we serve is important to us. Rockland Trust was named by the Boston Business Journal as one of the region’s Top Corporate Charitable Contributors for the 7th consecutive year. In 2020, Rockland Trust and its affiliated foundations donated a combined total of over $2.3 million to support local charities. Being a bank is about more than providing financial products and services—it’s also about being a strong advocate and steward for the community organizations that help support the individuals, families, and businesses that make up our communities. This is a fundamental belief that has been a core element of our culture for more than 114 years.

We have a strong belief that our employees are critical to our success and have worked hard to build a culture where colleagues are respected, cared for, and invested in. We are also proud to share that The Boston Globe has recognized Rockland Trust as one of the “Top Places to Work” in Massachusetts for twelve years in a row. Rockland Trust has also been honored as a “Best Place to Work for LGBTQ Equality” by the Human Rights Campaign each year since 2016.

What are the benefits of becoming a Rockland Trust customer?

Becoming a Rockland Trust customer will provide you with a broad range of banking options such as:

More banking locations with more than 120 branches located throughout Massachusetts, including Greater Boston, the South Shore, Cape Cod and the Islands, the South Coast, and Worcester County;
Convenient banking with access to over 200 Rockland Trust ATMs, thousands of SUM ATMs surcharge-free, 20 branches with Sunday hours, a Customer Information Center that’s open seven-days a week, extended banking hours using our ATMs with Live Teller Services, telephone banking, and online live chat;
"Smart" ATMs with envelope free deposit capability;
State-of-the-art mobile banking for consumers and businesses with finger print and face ID login;
Mobile wallet access with Apple Pay, Google Pay, and Samsung Pay;
An app that allows you to temporarily turn your Rockland Trust Debit Card on and off;
Access to a large team of investment advisors and a wide range of investment management and trust services and products through the Rockland Trust Investment Management Group (IMG)-including investment management, retirement planning, financial planning, trust and estate planning, tax planning, and insurance strategies and solutions;
Customized solutions for Non-Profit Organizations;
A robust suite of Treasury Management products and services for businesses;
Business and consumer credit cards that provide rewards, multiple layers of security, and other built-in benefits;
Larger commercial lending capacity, up to $75 million per qualified business client;
Merchant services that allow business customers to accept credit and debit cards in their stores and even on their websites;
Foreign exchange services and
1031 exchange service

When will the transaction be completed?

close answer x The merger was completed on November 12, 2021.

What will the name of the bank be?

close answer x The name of the combined bank is Rockland Trust.

Will my branch remain open?

close answer x A number of East Boston Savings Bank locations were permanently closed. For a list of branches that closed, click here.

Where are the neighboring Rockland Trust branches located?

close answer x For a map and a complete listing of all of our locations, visit RocklandTrust.com/Locations.

Does Rockland Trust offer online banking?

close answer x Yes. If you were an online banking and bill pay customer at East Boston Savings Bank, you received a separate mailing from us in late October with instructions on how to get started with Rockland Trust Online Banking. If you did not receive this, please call 508.732.3825.

Does Rockland Trust offer mobile banking?

close answer x Yes. Rockland Trust offers mobile banking with mobile check deposit. You can download and start using the app now.

Will I have access to my East Boston Savings Bank account history online?

close answer x You will have access to 60 days of online banking transaction history, however you will not have access to view check images within your online banking transaction history. In addition, you will also have access to three years of eStatements through Rockland Trust Online Banking and will be able to view your check images on your eStatements. Going forward, you will have access to 13 months of transaction history in online banking.

Does Rockland Trust have telephone banking?

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 telephone PIN to use our telephone banking system. To establish an access number and telephone PIN, visit your local branch or call our Customer Information Center at 508.732.7072.

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

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 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. Rockland Trust does not offer People Pay, but you can send and receive money electronically using Zelle^®.

Can I continue to use my East Boston Savings Bank Credit Card?

close answer x You can continue to use your existing East Boston Savings Bank Credit Card without any interruption. For any questions regarding your East Boston Savings Bank Credit Card, please continue to call 1.800.558.3424 for consumer assistance and 1.866.552.8855 for business assistance.

Will my account number(s) remain the same?

close answer x In most cases, your account number(s) did not change. If there was a change to an account number, you would have already been contacted by East Boston Savings Bank.

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

close answer x Direct deposit of payroll, Social Security, pension, or government payments will automatically continue. However, a notification of change will be sent from Rockland Trust to the person/company that is initiating such transactions, asking them to change the routing and transit number to Rockland Trust’s routing and transit number (011304478). 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.

What is Rockland Trust’s deposit insurance coverage?

Rockland Trust is a strong, secure, and well-capitalized bank. All deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000. Deposits you hold in different ownership categories—such as joint, single, and retirement accounts—are each separately insured up to $250,000. That means, for example, that you could have up to $250,000 in single-name accounts and up to $250,000 in your share of joint accounts and still be fully insured.

We also participate in the IntraFi® Network Deposits℠ program (formerly known as CDARS). Participation in the IntraFi Network Deposits program enables customers to access FDIC insurance on deposits of up to $50 million. Deposits at East Boston Savings Bank were also insured by the FDIC up to $250,000. If you had accounts at both Rockland Trust and East Boston Savings 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 merger. After six months have passed, if your total aggregate account balances exceed $250,000, any excess may not be covered by FDIC insurance. Certificates of Deposit will continue to receive separate FDIC insurance coverage until the first maturity date after the six-month period.

Can I use my current checks?

close answer x If you have a checking account, you may continue using your existing checks beyond the merger date. However, you should have received a communication on how to order Rockland Trust checks. If you did not receive this, please call 508.732.3825.

When will I receive my last statement from East Boston Savings Bank?

close answer x A final East Boston Savings Bank account statement for all checking and savings accounts was mailed to you with up-to-date information as of November 12th. If you receive electronic statements, you will receive your final statement via mail. If you did not receive this, please call 508.732.3825.

Will Rockland Trust continue to automatically deduct payments from my account?

close answer x Automatic payments from your East Boston Savings Bank Visa Debit Card will no longer process after November 14th. However, there will be no interruption in any other automatic payments or direct deposits from/to your checking or savings account. A notification of change will be sent from Rockland Trust to the person/company that is initiating the transaction, asking them to change the routing and transit number to Rockland Trust’s routing and transit number (011304478). 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.

When will funds from my deposits be available?

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.

Will I continue to be able to use Allpoint ATMs surcharge free after the merger?

close answer x Rockland Trust does not provide surcharge free access at Allpoint ATMs. Rockland Trust has over 200 ATM locations throughout Massachusetts and is a member of the SUM® program. The SUM program gives you access to thousands of ATMs across the country surcharge free. For a list of SUM ATM locations, visit SUM-ATM.com.

Note: Rockland Trust may charge you a fee to use another bank’s ATM even within the SUM program. However, the other bank’s fee will not be charged.

Will there be any changes to my deposit statement(s)?

close answer x Your statement(s) will look slightly different. 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 account(s), you will need to reinstate them by accepting the eStatement disclosure in the Rockland Trust Online Banking system.

When will I receive a new Rockland Trust passbook?

close answer x You will receive a new Rockland Trust passbook when you perform your first transaction in a branch.

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

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, and 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 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 adjust your interest rate.

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

close answer x You will continue to earn interest on your CD or IRA account. However, Rockland Trust does not offer passbooks for CD or 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?

close answer x No. There will be no changes to the terms of your existing IRA. Rockland Trust is now the custodian of your IRA.

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

close answer x You may now have access to Rockland Trust’s Discretionary Overdraft Privilege service. Discretionary Overdraft Privilege will be limited to a maximum of $750. Discretionary Overdraft Privilege allows Rockland Trust to pay overdrafts for checks and other debit transactions made using your checking account number (e.g., ACH debit transactions), and automatic bill payments from your checking account. Rockland Trust will not pay overdrafts for ATM or everyday debit card transactions for consumer customers unless you have opted in to the payment of these overdrafts. If you have opted in to the payments of these overdrafts with East Boston Savings Bank, you will continue to have this service. For our business customers, Discretionary Overdraft Privilege automatically includes all transaction types. This feature is not available for Commercial Checking accounts.

Will my loan account number(s) remain the same?

close answer x In most cases your account number(s) did not change; however, the five-digit suffix after your account number is no longer be printed on your statement and is not required to make a loan payment (example -00001).

Where do I make my loan payments?

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

Consumer Loan Payments
Rockland Trust
P.O. Box 884016
Boston, MA 02284-4016

Commercial Loan Payments
Rockland Trust
P.O. Box 884017
Boston, MA 02284-4017

Online Payments: If you used an online bill pay provider outside of East Boston Savings Bank, please update your account with the address above. Rockland Trust’s routing and transit number is 011304478.

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

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

When are overdraft protection line of credit payments due?

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

When is my Home Equity Line of Credit payment due?

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

Will I still have access to my overdraft protection line of credit?

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

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

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. You will receive a new packet of Rockland Trust checks. You should continue to use your East Boston Savings Bank home equity checks until you receive your new Rockland Trust checks. Upon receipt of the new checks, please destroy the packet you are presently using.

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

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

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

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

How do I apply for Forgiveness for a PPP loan I secured with East Boston Savings Bank?

close answer x You will be able to apply for Forgiveness via the Rockland Trust Forgiveness portal (which is the same platform used by East Boston Savings Bank). For more information, visit our PPP Guidance page: https://www.rocklandtrust.com/about-us/paycheck-protection-program-guidance.

Will my online banking User ID change?

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

What is my business online banking User ID?

close answer x Your new business online banking User ID appears on the letter that came in your online banking mailing package. If you did not receieve this letter, please contact our merger support line at 508.732.3825.

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

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:

Go to RocklandTrust.com and click on the blue Account Logins box in the top right corner of the screen.
Click the box at the bottom of the screen that says Attention.
Submit your East Boston Savings Bank User ID to create your password.
Select the way in which you would like to receive your Secure Access Code.
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.
Validate the information in the User Profile. If changes need to be made, update your information under the Services menu within online banking. Click Submit Profile.
Create a new password following the requirements listed on the page and click Submit at the bottom of the page.
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.
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:

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

What information will transfer to Rockland Trust Online Banking for consumer customers?

close answer x The following information was transferred:

General account information and User ID
60 days of online banking transaction history
Three years of eStatements including check images
Active bill pay payee information, bill payment history, future dated and recurring bill payments, and ebills

What information will transfer to Rockland Trust Online Banking for business customers?

close answer x The following information was transferred:

General account information
60 days of online banking transaction history
Three years of eStatements including check images
Active bill pay payee information, bill payment history, future-dated and recurring bill payments, and ebills

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

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 log in), 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.

When can I access Rockland Trust Online Banking?

close answer x Access to your accounts at Rockland Trust Online Banking began on November 15 at RocklandTrust.com, or through the Rockland Trust Mobile Banking app.

How will I receive my Secure Access Code?

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

What information will NOT transfer to Rockland Trust Online Banking for consumer customers?

close answer x The following information did not transfer:

Linked accounts with another financial institution
East Boston Savings Bank check images within your online and mobile banking transaction history
Future-dated and recurring transfers (applies to both external and internal transfers)
Your alerts and account nicknames
Third-party payment services, such as People Pay
QuickBooks and Quicken online banking account links

What information will NOT transfer to Rockland Trust Online Banking for business customers?

close answer x The following information did not transfer:

Future-dated and recurring transfers
Your alerts and account nicknames
User rights - The account owner/designated admin will need to reestablish user rights for all users
Third-party payment services, such as People Pay
QuickBooks and Quicken online banking account links

When can I reestablish my information that will not carry over?

close answer x When you log in to Rockland Trust Online Banking on or after November 15, you will need to reestablish alerts, future dated and recurring transfers (applies to both external* and internal transfers), and account nicknames. If you are a business customer that assigns user rights, you will need to reestablish user rights for all users. For security reasons, some alerts have already been activated.

*Note: Business customers are not able to make external transfers to other financial institutions.

I’m a business account owner/designated admin that assigns user rights. Will I need to reestablish user rights for users?

close answer x The business account owner/designated admin will need to reestablish user rights for all users. For more information about user rights, please view our Business Online Banking User Guide located at the top of this page.

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

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 I still have access to bill pay?

close answer x If you used bill pay, all of your recurring bill payments will continue to process without interruption. Your payees, recurring payments, and bill payment history will transfer automatically to Rockland Trust Bill Pay.

How does Rockland Trust process bill payments?

close answer x Funds are withdrawn from your account on the effective date of an electronic payment or when the payee cashes the check.

What is the Rockland Trust cut-off time to make a bill payment?

close answer x The cutoff time to submit a bill payment is 3:30 p.m.

Do I need to use a Token to log in to my business online banking account?

close answer x You no longer need to use a Token to log in to your business online banking account or for transaction approvals. Secure access codes are generated at log in.

Do I need to use a Token to approve an ACH or Wire transaction?

close answer x You no longer need to use a Token for transaction approvals. Secure access codes are generated at log in for approval.

What is the Rockland Trust cut-off time to for wire transfers?

close answer x The cutoff time for wire transfers is 4:00 p.m.

What is the Rockland Trust cut-off time to for ACH transactions?

close answer x The cutoff time for ACH transactions is 4:30 p.m.

Can I change my User ID?

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?

close answer x If you were an online or mobile banking customer of East Boston Savings Bank and Rockland Trust, your East Boston Savings Bank account was rolled into your existing Rockland Trust Online and Mobile Banking. You can use your current Rockland Trust User ID to log in to your account. However, the following information did not transfer over:

Your bill pay payee and payment information from your East Boston Savings Bank account. You will need to reestablish this information.
Future-dated and recurring bill payments. You will need to reestablish this information in Rockland Trust Bill Pay.
Future-dated and recurring transfers. You will need to reestablish this information in Rockland Trust Online Banking.

Note: This does not apply to business customers. Business should continue to log in using their separate Rockland Trust and East Boston Savings Bank User IDs.

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

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?

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?

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

Can I lock or unlock my debit card through online or mobile banking?

close answer x To control the access to your debit card, you will need to download the SecurLOCK^™ Equip app.

Where do I find the SecurLOCK^™ Equip app?

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?

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

Connect with us:
Personal 508.732.7072
Business 508.732.7078