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.

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.

close answer x

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.

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.

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.

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.

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.

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 (Opens in a new Window).

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.

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.

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

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, 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.

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.

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.

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.

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).

close answer x

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.

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.

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

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

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.

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.

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

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

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.

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.

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.

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 RocklandTrust.com and click on the blue Account Logins box in the top right corner of the screen.
2. Click the box at the bottom of the screen that says Attention.
3. Submit your East Boston Savings 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. 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.

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

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

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.

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.

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.

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

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

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.

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.

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.

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.

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

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

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.

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

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

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

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.

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.

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.

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.

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

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

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

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