Personal Checking Accounts
Banking convenience is the most valuable benefit of all.
Meet the modern checking experience, for every lifestyle and goal.
At Middlesex Savings Bank, we look at life the same way you do – and offer a variety of checking accounts to support your financial needs. Whichever account you choose, you'll receive friendly, helpful customer service and convenience. Let our checking account benefits make every day a little smoother.- Debit cards with access to fee-free ATMs
- Online and Mobile Banking
- Online Bill Pay
- Monthly eStatements
- Text message banking (Check with your wireless carrier for fees that may apply.)
Disclosures
All accounts subject to approval.
Freedom Blue® Checking Account
The Freedom Blue® Checking Account comes with no monthly account fee and a time-saving menu of free digital banking services. When you're trying to cut costs without sacrificing convenience, Middlesex Savings Bank is right there with you.
- No monthly maintenance fee
- No minimum account balance requirement
- Use any ATM without worrying about fees. Freedom Blue® Checking Account customers have free access to all Middlesex Savings Bank ATMs, plus thousands of fee-free ATMs worldwide through the Allpoint network. Additionally, we’ll reimburse up to 5 domestic out-of-network ATMs per statement cycle when you have direct deposit.
- Freedom Blue® Checking Account holders under age 26 get five rebates per statement cycle of domestic non-Middlesex Savings Bank ATM surcharge fees without direct deposit
Freedom Gold® Checking Account
The Freedom Gold® Checking Account offers more convenience and better interest rates on money funds. Your outstanding loan balances also count toward waiving the monthly account fee, so it’s easier to get more for less.
- Maintain a $10,000 combined balance and get unlimited reimbursements for domestic ATM surcharge fees when you use a non-Middlesex Savings Bank ATM
- Fees waived on select Middlesex Savings Bank banking products and services
Freedom Platinum® Checking Account
The Freedom Platinum® Checking Account gives you the best Middlesex Savings Bank has to offer, with higher CD interest rates, reduced account fees, and other premium benefits. When you need your bank to do more, we deliver.
- Maintain a $50,000 combined balance and get unlimited reimbursements for domestic ATM surcharge fees when you use a non-Middlesex Savings Bank ATM
- Fees waived on select Middlesex Savings Bank banking products and services
Student Checking Account
Manage your money anywhere with free Mobile Banking and access fast cash at thousands of ATMs. When it comes to finding financial convenience, Middlesex Savings Bank is right there with you.
- Designed for and tailored to high school and college students under age 26
- Unlimited 24/7 Online and Mobile Banking access
Military Checking Account
Are you currently serving in the military? At Middlesex Savings Bank, we want to make banking easier for service members and their families. We understand how active-duty requirements and deployment can complicate banking matters. We’re committed to making banking easier for you with this Military Checking Account.
- No minimum account balance requirements or monthly maintenance fees on personal checking accounts opened prior to active duty while you’re away
- No safe deposit box delinquency fee. Safe deposit boxes cannot be drilled while military order is in effect
Veterans Benefits Banking Program
At Middlesex Savings Bank, we take pride in our commitment to inclusivity and community, ensuring support for all groups of people, including our nation’s military and their families. That’s why we’re proud to participate with the Veterans Benefits Banking Program (VBBP) to offer specialized financial services tailored to meet each individual’s unique needs.
Compare up to 3 checking accounts at a time.
Freedom Blue® Checking Account
The Freedom Blue® Checking Account comes with no monthly account fee and a time-saving menu of free digital banking services. When you're trying to cut costs without sacrificing convenience, we're right there with you.
Freedom Gold® Checking Account
The Freedom Gold® Checking Account offers more convenience and better Money Fund interest rates. Your outstanding loan balances also count toward waiving the monthly account fee, so it’s easier to get more for less.
Freedom Platinum® Checking Account
The Freedom Platinum® Checking Account gives you the best Middlesex Savings Bank has to offer, with higher CD account interest rates, reduced fees, and other premium benefits. When you need your bank to do more, we deliver.
Back to product selection
Back to product selection
Freedom Blue® Checking Account
Freedom Gold® Checking Account
Freedom Platinum® Checking Account
Overview
Free checking for customers who typically carry a low balance and don't want to pay maintenance fees every month.
Checking with extra benefits. Customers who maintain a $10,000 combined balance - including Middlesex loans.
Top tier checking. Customers with a minimum combined balance of $50,000 receive exclusive benefits, robust features, and rewards.
Monthly Maintenance Charge
$0
$19
$29
Easy Ways to Avoid Monthly Maintenance Charge
N/A
$10,000 average monthly balance in any combination of savings, checking or CDs. Outstanding Middlesex portfolio loan balances also count.
$50,000 average monthly balance in any combination of savings, checking or CDs. Outstanding Middlesex portfolio loan balances also count.
Checks
Free standard style check starter.
Free standard style checks and discounted custom checks.
Free standard or custom checks.
Free Online and Mobile Banking
Yes
Yes
Yes
Instant Issue Debit/ATM Cards
Yes
Yes
Yes
ATM Surcharge Reimbursement
Use any ATM without worrying about fees. Freedom Blue customers have free access to all of our ATMs, plus thousands of fee-free ATMs worldwide through the Allpoint network. Additionally, we’ll reimburse up to 5 domestic out-of-network ATMs per statement cycle when you have direct deposit.
Receive unlimited domestic ATM fee reimbursements when minimum balance requirements are met.
Receive unlimited domestic ATM fee reimbursements when minimum balance requirements are met.
Free Overdraft Protection Transfers Available
N/A
Set up your account to automatically transfer funds from your money fund account to cover an overdraft.
Set up your account to automatically transfer funds from your money fund account to cover an overdraft.
Next Steps
Middlesex Savings Bank is a full-service bank serving individuals, families, and business owners throughout eastern and central Massachusetts.
Helpful Resources
