Other Services

Financial Services

For details on RFCU Financial Services click here.

Overdraft Options

Overdraft Protection

Avoid the embarrassment and cost of overdrawing your account with overdraft protection. We offer two convenient ways you can add overdraft protection --- either through a savings account or a line of credit.

Select E-mail now to request information on overdraft from your savings account.

Select Loan Application if you would like to apply for revolving line of credit which can be used for overdraft purposes.

Overdraft Service

Rockland Federal Credit Union extends Overdraft Service to members in good standing. (You must be a member for at least 30 days to be eligible for this service.) It allows the credit union to pay withdrawals to your checking account that would cause it to be overdrawn. If you do not have enough money in your account for a check, pre-authorized withdrawal, ATM or debit card transaction, RFCU will usually decline the transaction. In these cases, you may be unable to complete the transaction unless you have another form of payment. If you want RFCU to authorize and pay these overdrafts, you can request Overdraft Service.

All members who would like to be eligible for this service must "Opt-In." Having Overdraft Service does not guarantee that RFCU will authorize your overdrafts in all cases. If RFCU authorizes and pays an overdraft, you will be charged a fee of $29.00*. Whether we pay or return an item, your account may be assessed a fee, either as an Overdraft Service charge or a Non-Sufficient Funds charge, but you will not be charged both fees by us. You will only be charged a Non-Sufficient Funds charge if we do not pay the item.

You may opt-out of the Overdraft Service in its entirety at anytime in writing. If you choose to do so you may be subject to insufficient funds fees assessed by the credit union and merchants. RFCU reserves the right to revoke Overdraft Service privileges at anytime without prior notifications and to deny the payment of any transaction.

How to Request Overdraft Service

Call us at 1-800-562-7328 or visit your local branch office.

Overdraft Service FAQs:

Q: What is Overdraft Service?
A: Overdraft Service is extended to credit union members in good standing. (You must be a member for at least 30 days to be eligible for this service.) It allows the credit union to pay withdrawals to your checking account that would cause it to be overdrawn. If you do not have enough money in your account for a check, pre-authorized withdrawal, ATM or debit card transaction, RFCU will usually decline the transaction. In these cases, you may be unable to complete the transaction unless you have another form of payment. If you want RFCU to authorize and pay these overdrafts, you can request Overdraft Service.

RFCU reserves the right to revoke Overdraft Service privileges at anytime without prior notifications and to deny the payment of any transaction. Overdraft Service is a service that allows us to pay an item presented against your share draft account even if it causes the account to become overdrawn.

Q: What are the standard overdraft practices that come with my account?
A: Rockland Federal Credit Union currently authorizes and pays overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Recurring bill payments using your MasterMoney Debit and/or ATM card
  • Everyday point-of-sale transactions made using your MasterMoney Debit or ATM Card 
  • We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. 
  •  

Q: What fees will I be charged if Rockland Federal Credit Union pays my overdraft?
A: Under our standard overdraft practices there is no limit to the total fees we can charge you for overdrawing your account. If RFCU authorizes and pays an overdraft, you will be charged a fee of $29.00* for each transaction.

Q: What if I want Rockland Federal Credit Union to authorize and pay overdrafts on my everyday debit card transactions?
A: If you also want us to authorize and pay overdrafts on everyday point-of-sale transactions, you must complete an opt-in form, which can be found here. You have the right to revoke your consent by opting out at any time in writing.

You may opt-out of the Overdraft Service in its entirety at anytime in writing. If you choose to do so you may be subject to insufficient funds fees assessed by the credit union and merchants. RFCU reserves the right to revoke Overdraft Service privileges at anytime without prior notifications and to deny the payment of any transaction.

Q: Will I be charged a fee if RFCU doesn't pay my overdraft and returns an item due to insufficient funds?
A: Whether we pay or return an item, your account may be assessed a fee, either as an Overdraft Service charge or a Non-Sufficient Funds charge, but you will not be charged both fees by us. You will only be charged a Non-Sufficient Funds fee if we do not pay the item.

Q: How long can my account remain negative?
A: If your balance remains negative for more than 5 days, your account will be closed and forwarded to the Collections Department for further action.

*$29.00 fee is effective as of January 1, 2014 and is subject to change.

Direct Deposit

Have funds deposited to your RFCU checking or savings account without ever visiting the credit union. It's convenient and saves you time!

Sign up for direct deposit by providing your employer with the RFCU routing and transit number- 211373348 - and your account number followed by the suffix you would like the funds deposited into. If you have a RFCU checking account and would like to have funds deposited into it, you can also provide a voided check.

Sign up for direct deposit of your Social Security check after you have opened your checking account.  Contact Social Security at 1-800-772-1213.  You should have your checking account number (you can find this by looking at your statement or one of your checks.  It's the second set of numbers on the bottom of your che ck) and our Routing number 211373348 ready when you call.

Click here to print a Request for Direct Deposit form.

Select E-mail now to request a Payroll Deduction form, used for those employers who are unable to send direct deposits through the Automated Clearinghouse system.

Safe Deposit Boxes

A safe way to protect your important papers or valuables. Safe Deposit boxes are available in our Rockland, Marshfield and Walpole locations and are available in a wide range of sizes.

To open a safe deposit box, please visit either the Rockland, Marshfield or Walpole branch locations.