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Frequently Asked Questions

Questions? We have answers.

Do you have general questions about your Rosedale Federal products and services? Look no further. Many of your questions can be answered below. If you have a specific question about any of your accounts, and you can’t find an answer here, please call 410.668.4400.

Customer Top 10

Here are quick answers to the questions we hear most.
How do I report a lost or stolen debit card or unauthorized debit card transaction?
If you have misplaced your Rosedale Federal debit card — think it may have been stolen — or notice unauthorized purchases on your account — you need to notify us AT ONCE. Call our debit card service line at 1.888.297. 3416. This number is answered by a live person 24-hours a day, 7 days a week. Upon your report the representative  will:

  • Immediately cancel your card and block further transactions
  • Instruct you to contact Rosedale Federal to order a new debit card or dispute transactions
Please note that if you have automatic payments using your debit card, you will need to contact the payee and provide your new debit card number once you receive it.
What hours are Rosedale Federal branches open?
View days and hours for our branches online. Click here to find our branch hours.
Where is the Rosedale Federal branch closest to me?
Our branches, with addresses, are listed on our website. Click here to find our branch locations.
Where is the Rosedale Federal ATM closest to me?
Simply click here to find the list of Rosedale Federal ATM locations as well as the Rosedale Federal branded Walgreens locations.
I can’t sign on to digital banking. What should I do?
For technical assistance, please call our digital banking customer service call center at 410.668.4400 during the following hours:

Monday — Friday 7:00 a.m. – 11:00 p.m. (EST)
Saturday & Sunday 9:00 a.m. – 5:00 p.m. (EST)
Holidays 9:00 a.m. – 5:00 p.m. (EST)
(Closed Thanksgiving and Christmas)

 How do I order checks?
The easiest way is to order checks through your Rosedale Federal digital banking. You may also call Customer Service at 410-668-4400 or come in to any Rosedale Federal branch. No matter how you order checks, please be sure all information and spelling is correct. If you are ordering checks from a third party, also make sure you include the correct routing number.
Where is my routing number?
This code, which identifies Rosedale Federal as the bank, is the first group of nine numbers found on the bottom of your check. (The second group is your account number and the third is the check number.)
What is Rosedale Federal's routing number?
What ATMs can I use fee-free?
Rosedale Federal customers enjoy a fee-free ATM experience at all Rosedale Federal ATMs and selected Walgreens ATMs.
What is phishing and what should I do?
Phishing is a scam generally carried out through unsolicited emails posing as websites.  These emails are designed to mislead you into providing personal information such as: account numbers, PINs, Social Security number and login credentials.
Rosedale Federal will never send you an email requesting personal information such as your Social Security number, account numbers, PIN, date of birth, etc. If you receive email, or find yourself on a website, that looks suspicious or asks for personal information, delete it immediately. If it included the Rosedale Federal name, please notify our Customer Service at 410-668-4400. Also, if you are unsure as to whether an email is from Rosedale Federal, call Customer Service and ask.

General Banking and Account Activity 

When will the funds from my direct deposit be available to me?
Direct deposits are available on the day we receive the deposit.
How can I reduce non-sufficient funds fees?
The best way is to keep good records of check and debit card transactions so you know your balances. For extra peace of mind, you can protect yourself from fees caused by errors or shortages in your Rosedale Federal checking account by linking your Rosedale Federal savings account to cover shortages. Please contact Customer Service or visit a Rosedale Federal branch for more information.

What’s the difference between my available balance and my account balance?
The available balance is the amount of money in your account that is available for immediate use. This may differ from the account balance if there is activity that has been posted but not collected. For example, you may have deposited funds that are on a standard hold. They will appear in the account balance, but will not be included in the available balance until the deposit clears.
Who do I contact to stop payment on a check? 
For assistance with a stop payment, please visit a Rosedale Federal branch or call 410.668.4400.  A fee may apply.
What is a CD?
A certificate of deposit (CD) is a savings instrument with a fixed maturity date. It generally has a specified fixed interest rate and can be issued in any denomination aside from the specified minimum funding requirement. A CD restricts access to the funds until the maturity date. Fees are generally assessed for early withdrawal of funds. Please visit rosedalefederal.com for information about Rosedale Federal CDs.
What are the differences between a traditional IRA and a Roth IRA?
Both are qualified retirement accounts. A traditional IRA is funded with contributions that may be partially or fully tax-deductible. Both the funding and earnings are tax-deferred until you make withdrawals. A Roth IRA is funded with after-tax income. The contributions are not tax-deductible, but earnings on the account and withdrawals may be free from federal income tax.  Consult your tax advisor regarding tax-deductibility.
What is a Coverdell account?
A Coverdell or education savings account (ESA) is a qualified account designed to help pay for future education expenses from kindergarten through grade 12 and college. Coverdell ESA contributions are not tax-deductible but the earnings will grow tax-deferred.  Consult your tax advisor regarding tax-deductibility.

What does APR mean?
The annual percentage rate (APR) is a helpful comparison tool, allowing you to understand the annual cost to you of borrowing money. In addition to the interest rate, it can include any application fees, mortgage points, or other charges associated with a loan that are not paid upfront. If costs other than the interest are included in your payments, your APR will be higher than the interest rate.
What does APY mean?
The annual percentage yield the total amount of interest paid by the bank on your deposit account (checking, savings, CDs, IRAs) during the year. Because it includes compounded interest (i.e., interest on earnings) for the year, it is generally higher than the interest rate.
What are the differences between a money order, a cashier’s check, and a certified check?
A cashier’s check is drawn on the funds of the bank. The depositor pays for the check with funds from their account and receives the cashier’s check in return. A certified check is a personal check for which the bank verifies that sufficient funds exist in the account to cover the check, and so certifies, at the time the check is written. A money order is issued by a bank or other institution, allowing the individual named on the order to receive the specified amount of cash on demand. Money orders are frequently used by people who do not have checking accounts.
How do I send money by wire?
Wire transfers offer you a fast and reliable alternative to sending checks or money orders to people or companies. You can request a wire transfer from your Rosedale Federal checking or savings account at any Rosedale Federal branch.

Can I request a copy of a check?
From time to time, you may need a copy of a cancelled check. Getting a copy of a cancelld check is as easy as going on to Rosedale Federal’s digital banking where you can view and print the check. If you just want to view the check, you can use our digital banking service. Or, if you prefer, simply call 410.668.4400 or visit one of our branches and we’ll be happy to assist you.  A fee may apply.
How is interest calculated on my Rosedale Federal deposit account?
Interest is calculated daily (365 days) and compounded monthly.
How do I request a copy of my statement?
Should you need a copy of your statement, you can sign onto Rosedale Federal’s digital banking and print off the statement you seek. Or you can call 410.668.4400 or visit one of our branches. We’re always happy to assist you.  A fee may apply.
How does Rosedale Federal safeguard my confidential information?
Rosedale Federal operates under a comprehensive Information Security Program that includes administrative, technical, and physical safeguards. Our program is designed to ensure security and confidentiality of customer information — protect against any anticipated threats or hazards to the security of this information — and guard against unauthorized access to or use of this information.
Will I get a year-end statement of interest earned and interest paid on my Rosedale Federal account?
Yes. Deposit customers who earn over $10 interest in a given year will receive a Form 1099 for use in preparing tax returns. Generally, customers receive this document by the end of January in the following year.
Who do I contact if I have any questions?
You can visit any Rosedale Federal branch, call Customer Service at 410.668.4400, or send an email to info@rosedalefederal.com.

Debit card/ATM card

Where do I find Rosedale Federal ATMs?
Does Rosedale Federal charge fees when I use a non-Rosedale Federal ATM?
Rosedale Federal will not charge you a fee for using a foreign (non-Rosedale Federal) ATM. However, the ATM owner will likely charge you a fee for using their ATM.
How can I get a debit card?
Ask for a Rosedale Federal debit card at account opening or complete an application anytime at a branch after account opening.
Do all account holders get debit cards with a joint checking account?
Yes. A Customer Service representative will assist you when you open your Rosedale Federal account.
Can I get an ATM card instead of a debit card?
The Rosedale Federal ATM and debit card are one and the same. Feel free to use the card for ATM transactions only, if you like.

How do I change my debit card PIN?
Changing your PIN with a Rosedale Federal debit/ATM card is easy.  Simply call Rosedale Federal at 1.844.378.7086 and select option 3.  
My debit card is expiring and I have not gotten a new one. What should I do?
Your debit card will be reissued three weeks prior to expiration.  If you do not receive your card, within two weeks of your expiration date, please call us at 410.668.4400.

Loan Application and Mortgage Questions

What type of products can I apply for online?
Customers can apply for PreQualifications, Fixed or Adjustable Rate mortgage loans, and Construction to Permanent loans. We do not currently offer online applications for Consumer, Personal, or Home Equity Line of Credit (HELOC) loans. Please visit or call our branch.
What do I need to start the application process?
The only information required to start an online application is your name, email, date of birth, social security number, and phone number. If you do not feel comfortable completing this information online, please feel free to contact one of our professional loan officers at 410.668.4400 option 3 and they will be happy to take your application over the phone or setup an appointment to meet with you.
If I don’t have all the information to submit my mortgage application, can I save it and come back later?
Yes, as long as you provide your email address prior to saving and exiting. You will be prompted to create a temporary password. A link will be sent to your email along with instructions on how to return at a later time.
Can payments be made over the phone?
At this time, payments cannot be made over the phone.
Can I make Rosedale Federal loan payments directly from my Rosedale Federal checking account?

Rosedale Federal offers the ability to make loan payments online.  Please click here to make your payment today.

If you need to make a principal only payment, click here for instructions.

Can payments be made electronically via ACH or an internal transfer?
We have ACH and internal transfer payments - simple as filling out a form.  Please contact Mortgage Loan Servicing at 410-668-4400 ext. 102.  
Can we pay our mortgage payment online?

Rosedale Federal offers the ability to make loan payments online.  Please click here  to make your payment today.

If you need to make a principal only payment, click here for instructions.

Do we need to send in our property tax bill?
No, you can keep it for your records.
How can I get a copy of my billing statement or year-end statement?
Sign up for digital banking, or contact Mortgage Loan Servicing at 410-668-4400 ext. 102.
Can we apply additional principal payments and/or make additional escrow payments online?

Rosedale Federal offers the ability to make loan payments online.  Please click here to make your payment today.

If you need to make a principal only payment, click here for instructions.

Can I view my mortgage online?
Yes, sign up for digital banking and you can view your outstanding principal balance, escrow, amount due, etc.
What do i do if I change my homeowners insurance carrier?
Please contact mortgageservicing@rosedalefederal.com or call 410-668-4400 ext. 102 and someone will be happy to help you with that process.
Can I turn off my monthly billing statements (GO GREEN)?
Yes.  Please contact mortgageservicing@rosedalefederal.com or call 410-668-4400 ext. 102 and someone will be happy to help you with that process.


What is MyCashFlow
MyCashFlow™ is online financial software for individuals and small businesses. It is a free service offered through Rosedale Federal digital banking.

Account Documents & Information

When will I receive account statements?
Statements reflecting account balance and all activity to date go out on a regular basis. Statement cycles may vary. For example, if you have a Rosedale Federal checking account or a home equity line of credit (HELOC), statements are monthly. If you have a long-term CD, you might get a statement only once a year. If you have a question about statements for a specific account, call us or visit a Rosedale Federal branch.
Can I opt-in to online-only statements?
Yes, it’s good to go green! Look for this paper-free option in your digital banking service.

Fees & Charge

Will I receive a monthly maintenance fee for my account?
No, you will not receive a monthly maintenance fee for your checking account.
What is a foreign ATM? And what is a foreign ATM fee?
A foreign ATM is any non-Rosedale Federal ATM. Rosedale Federal does not charge a fee for transactions you make at a foreign ATM. However, you may be charged a fee by the owner of the foreign ATM. Click here to find our ATM locations.