Just a heads up. Randolph recodes most utility payments (which would normally be a POS purchase) as bill payment even though you initiate it from the utility company site using your 16-digit card number. Fortunately, I have one local-only recurring utility bill which is not in their database. Hopefully this won't become a trend as these RCAs are already a pain in the butt.
I would first make sure that the utility payments are being processed as signature-based transactions that go through a credit card network, as opposed to transactions that are going through a debit card network. For example, AT&T has a box that I've seen checked by default that will use a debit card network for payments; thus, those payments wouldn't count towards most RCA's number-of-debit card transactions requirement, even if those requirements counted PIN based transactions (not at ATMs).
If the utility transactions really are using a credit card network, i.e. not using a debit card network such as STAR or Cirrus, then Randolph Bank shouldn't be recoding them. The transactions have the same benefit to the bank as if they were made in a grocery store. A POS transaction is one between a seller and a buyer, done at a physical or a virtual location. Paying one's utility bill falls in that category.
So please confirm the nature of your utility transactions and how you know that Randolph Bank is actually recoding them. Thanks!