Welcome to Rockland Trust

I’m pleased to let you know that the integration of Enterprise Bank into Rockland Trust is almost
complete. Your accounts will transition from Enterprise Bank to Rockland Trust the weekend of October 11, 2025. 

We are committed to making this change as seamless as possible and to keeping you informed and supported throughout the process.  

Below you will find details about Rockland Trust and what to expect during the transition. This page will be updated regularly as we continue integrating the two organizations. 

Wealth & Investments
Treasury Management




Information Center


Timeline

Now

  • To ensure a smooth transition to Rockland Trust, make sure your online and mobile banking contact information is current. To update your phone number or email address, call Enterprise Bank at 877.671.2265 or visit your local branch. You can also update your email address through Enterprise Bank Online or Mobile Banking.
  • Confirm your online and mobile banking Username/User ID. Your current Username/User ID may appear fully or partially masked when accessing Online Banking or the Mobile app. Please be sure you know your complete Username/User ID. 

Monday, September 8 

  • A Welcome Package(s) will be mailed to all deposit, loan, and safe deposit box customers. 
  • Your Welcome Package will include information regarding your new account information, and details on the products and services Rockland Trust offers.

Late September or Early October

  • If you are an existing online and mobile banking customer, an online and mobile banking package will be sent to you.
  • Rockland Trust Debit Cards and PINs will be sent in separate mailings.

Week of October 6

  • For your records, we recommend you download or print copies of your eStatements and online banking transaction history.
  • Make note of your future-dated and recurring payments and transfers.
  • Mobile Check Deposit will be unavailable as of 2:00 p.m. on Thursday, October 9.

Friday, October 10

  • Enterprise Bank Bill Pay will be unavailable as of 8:00 a.m.
  • The following Enterprise Bank branches will be closed at 3:00 p.m.
    Lowell: 222 Merrimack St
    Chelmsford: 185 Littleton Rd
    Billerica: 674 Boston Rd
    Tewksbury: 910 Andover St
    Andover: 8 High St
    Nashua, NH: 88 Main St
  • All other Enterprise Bank branches will close at 5:00 p.m. Please note that all branches will remain closed until Tuesday, October 14.
  • Enterprise Bank Online and Mobile Banking will be unavailable as of 5:00 p.m.1
  • A final Enterprise Bank account statement for all checking and savings accounts will be mailed to you with up-to-date information as of October 10.
1. Additional details on online and mobile banking access will be shared in late September or early October.

Saturday - Monday, October 11 - 13

  • All Enterprise Bank branches will remain closed while they are being converted into Rockland Trust branches.
  • Use your Enterprise Bank Debit Card for withdrawals and purchases through Monday, October 13.
  • All Enterprise Bank ATMs will be available for withdrawals only using your Enterprise Bank Debit Card.

Tuesday, October 14

  • You can now use any Rockland Trust branch.
  • Activate and start using your new Rockland Trust Debit Card.
  • Following the activation of your new Rockland Trust Debit Card, please contact service providers that process any automatic payments from your debit card and provide them with your new Rockland Trust Debit Card number.
  • Start using Rockland Trust Online and Mobile Banking and Bill Pay. 
  • Download the Rockland Trust Mobile Banking app.
  • Register for Rockland Trust Telephone Banking and establish an access number and telephone PIN by calling 508.732.3825 or visit your local branch.

Frequently Asked Questions 

General 

Rockland Trust is a community-oriented commercial bank headquartered in Massachusetts that has been providing banking services and advice to individuals and businesses since 1907. Founded by a group of local business owners, we have a deep commitment to understanding the needs of those we serve and then delivering exceptional customer service and products to meet those needs. We have over 120 branches, and over 30 offices throughout Massachusetts, as well as one commercial banking and investment center in Rhode Island. Additionally, we have banking technology that enables customers to conveniently bank how and where they want.

 

Our Core Values
At Rockland Trust, we strive every day to be the bank and workplace Where Each Relationship Matters® and we believe that our future is tied to the well-being of the communities we serve. Being a bank is about more than providing financial products and services—it is 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 115 years. We are proud to have been recognized by the Boston Business Journal as one of the region’s “Top Charitable Contributors” for the past 11 years. In 2024, Rockland Trust and its charitable foundation donated over $4.26 million to support local charities and community organizations, and our colleagues surpassed 23,500 volunteer hours.

 

Our Colleague Commitment
We understand that people do business with people. Our colleagues are critical to our success, and we are committed to fostering a caring and respectful culture where our colleagues can thrive. We’re particularly proud to share that The Boston Globe has recognized Rockland Trust as one of the “Top Places to Work” in Massachusetts for 16 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. Our talented team of over 1,800 colleagues and the relationships they build with our customers, communities, and one another is the driving force behind everything we do.

As a customer, you will benefit from:

  • More banking locations with 124 branches located throughout Massachusetts, including Greater Boston, the South Shore, Cape Cod and the Islands, the South Coast, Metro West, the North Shore, and Worcester County;
  • Convenient banking with access to over 235 Rockland Trust ATMs, plus access to thousands of ATMs through the SUM® Program, branches with Sunday hours, a Customer Information Center that’s open seven days a week, access to connect to a dedicated banker on a mobile device or computer, and online live chat;
  • Contactless ATMs with extended cut-off times;
  • State-of-the-art online and mobile banking with account spending insights and budgeting tools, as well as the ability to deposit checks using your mobile device;
  • Access to send and receive money using Zelle®;
  • Mobile wallet access with Apple Pay, Google Pay, and Samsung Pay;
  • Greater access to a 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 life insurance strategies, investment management, retirement planning, financial planning, trust and estate planning, tax planning, and business advisory solutions;
  • An extensive wide range of home financing solutions, including mortgage and home equity line and loan options. Mortgage offerings include fixed and adjustable-rate options, Jumbo Mortgages, FHA and VA loans. Rockland Trust also participates in MassHousing’s Buy Cities program, and Massachusetts Housing Project’s ONE mortgage program;
  • Business and consumer credit cards that provide rewards, multiple layers of security, and other built-in benefits;
  • Specialized commercial banking teams dedicated to support the unique business needs within our communities;
  • A robust suite of Treasury Management products and services for businesses;
  • Larger commercial lending capacity, up to $180 million relationship limit (loan limits to borrowers are less);
  • Merchant services that allow business customers to accept credit and debit cards in-store and online;
  • Foreign exchange services including spot purchases and forwards.

Over the weekend of October 11, your accounts will transition to Rockland Trust. We expect to fully complete the integration of Enterprise Bank into Rockland Trust on October 14, 2025.

The name of the combined bank will be Rockland Trust.

Starting on Tuesday, October 14, you can begin using any Rockland Trust branch location. 
The Rockland Trust routing and transit number is 011304478. 

All Enterprise Bank branches will remain open, and we are happy to share that all the staff you know and trust are expected to remain with the Bank.

Yes. If you have used your Enterprise Bank Debit Card in the past 12 months, in late September or early October, you will receive a new debit card with important information about card activation and when you should start using the new card. In addition, you will receive a separate mailing with your new PIN information. 
 

If you are also an existing Rockland Trust Debit cardholder, you will receive a new card to access your converting Enterprise Bank account(s). After the transition is complete, you can contact us and link your account(s) to one card.

You can activate and begin using your new Rockland Trust Debit Card starting on October 14. 

Yes. All Enterprise Bank Debit Cards will adopt Rockland Trust’s limits. 

No. Starting on October 14, following the activation of your Rockland Trust Debit Card, you will need to update any automatic/recurring debit card payments (such as any health club memberships, Netflix®, or Hulu® accounts) to your new card number to avoid interruption with your services.

The Enterprise Debit Card Rewards program was discontinued effective July 31. All reward points must be redeemed by September 30. Any points not redeemed by that date will be forfeited.

Yes. However, you will need to remove the Enterprise Bank Debit Card and add your new Rockland Trust Debit Card to continue using Mobile Wallet services.

If you are currently an online and mobile banking customer, you will receive a separate communication from us in late September or early October with instructions on how to get started with Rockland Trust Online and Mobile Banking.

Starting on October 14, a limited portion of your transaction history will be available through online and mobile banking; however, check images will not be accessible within your transaction history. You will also be able to view up to three years of eStatements through Rockland Trust Online and Mobile Banking. To ensure you have complete records, we recommend printing or downloading your eStatements and transaction history before October 10.

Note: It may take several weeks for your full eStatement history to appear in your online and mobile banking account.

Click here for more general questions and answers.

Deposits

In most cases your account number(s) will not be changing. If there was a change to an account number, you would have already been contacted by Enterprise Bank. 

Rockland Trust is a strong, secure, and well-capitalized bank and a safe place for deposits. Similar to Enterprise Bank, all Rockland Trust deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000. More information about this coverage, the process of determining maximum coverage, and your deposit insurance coverage on any accounts you currently have with both Rockland Trust and Enterprise Bank may be obtained from branch staff or www.FDIC.gov. 
Yes. You can continue to use your existing checks unless we have notified you that your account number is changing. If you would prefer to order new Rockland Trust checks, you can order them online at RocklandTrust.com starting on October 14. You may also place a check order at your nearest branch. 

Under our Funds Availability Policy, your check 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 delay your ability to withdraw funds for longer periods, in certain cases.

Your automatic payments and direct deposit of payroll, Social Security, pension, or government payments from/to your checking or savings account will automatically continue without interruption. 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.
No. As a Rockland Trust customer, deposits can only be made at Rockland Trust ATMs. 

Your statement(s) will look slightly different. Checking account statements will be mailed monthly. You will receive your savings statement monthly if there has been an electronic transaction that month; otherwise, you will receive your savings statement quarterly.

If you received eStatements for your checking or savings account(s), you will need to reinstate them by accepting the eStatement disclosure in Rockland Trust Online and Mobile Banking starting on October 14.

Yes. Combined deposit statements will carry over as they were at Enterprise Bank.
 
Note: If you currently have combined loan statements, you will begin receiving separate statements for each of your loans. We understand this may be an inconvenience, and our team is actively working on solutions to improve the statement experience.

A final Enterprise Bank account statement for all checking and savings accounts will be mailed to you with up-to-date information as of October 10. If you receive electronic statements, you will receive your final statement via mail.

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 make changes, your CD will automatically renew for the term indicated on your pre-renewal notice.

You will not receive a separate statement for your CD account. However, for your convenience, you can link your CD to your checking or savings account, and your CD balance will appear on the same statement. Additionally, you can view your CD balance anytime through online and mobile banking.

After the transition to Rockland Trust is complete, you will have access to Rockland Trust’s Discretionary Overdraft Privilege Service. Your account is eligible for Discretionary Overdraft Privilege if you maintain your deposit account in good standing and meet the eligibility criteria disclosed in our Discretionary Overdraft Privilege Policy. Discretionary Overdraft Privilege allows Rockland Trust to pay overdrafts for checks, other debit transactions made using your checking account number (e.g., ACH debit transactions), and automatic bill payments from your checking account that exceed the available balance in your deposit account, subject to the limits of your Discretionary Overdraft Privilege. As of October 11, 2025, your Overdraft Privilege limit will be $150 if your existing account has been open for less than 30 days. If your account has been open for 30 days or longer, your limit will be $750. Rockland Trust, in its sole and absolute discretion, can cease paying overdrafts at any time without prior notice of reason or cause. 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 under our OKTOPAY service. For our business customers, Discretionary Overdraft Privilege automatically includes all transaction types. Discretionary Overdraft Privilege Service is not available for Commercial Checking accounts.




Loans

Yes. Rockland Trust will report information about your account to credit bureaus, including negative information such as any late payments, missed payments, or other defaults on your account that will be reflected in your credit report. 

Any changes will be communicated to you in accordance with our loan agreement and applicable regulations.

In most cases your account number(s) will not be changing.

If you currently have combined loan statements, you will begin receiving separate statements for each of your loans. We understand that this may be an inconvenience, and our team is actively working on solutions to improve the statement experience. If you received eStatements for your loan account(s), you will need to reinstate them by accepting the eStatement disclosure in the Rockland Trust Online and Mobile Banking system.

 

Note: If you enroll in eStatements for your loan, you will still receive a paper statement. A final Enterprise Bank account statement for all loan accounts will be mailed to you with up-to-date information as of October 10.

Yes. Your Cash Reserve account will become a Rockland Trust Overdraft Protection Line of Credit, covering overdrafts up to your approved limit. 
Monthly payments are due 25 days from the date of your statement. 
Yes. 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.

You can make loan payments through online or mobile 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
Yes. 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. 

Yes. You will still have access to your line of credit during the draw period. Draw amounts will be for the exact amount of the advance. If you have Home Equity checks, you can continue to use your existing Enterprise Bank Home Equity checks.

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

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 2349

Coppell, TX 75019

Yes. For your loan that is secured by a deposit account, the deposit account will remain pledged for the life of the loan. This means that the hold on the account as of October 10 will not decrease as you make payments on the loan. Once the loan is paid in full, the hold will be released.