Switch to Better Banking

Earn up to $350

Open a new Middlesex Savings Bank personal checking account and get rewarded — plus access to fee-free ATMs and local support. 

 

✓ Open a new checking account
✓ Use your Mastercard® debit card 8 times ($100 total) within 90 days
✓ Enroll in e-Statements
✓ Make two or more direct deposits of $500 or more within 90 days of account opening.
✓ Get up to $350


Open My Account

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Which checking account is right for you?
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I recently moved into the area and wanted to open accounts with a local bank. I made a great choice with Middlesex. The account opening process was easy and when I stop in to do some banking, the staff is always willing to help me. The staff has provided exceptional service, always with a friendly and warm attitude. If you need a bank, I highly recommend Middlesex 
Tom W., Middlesex Customer
When trust matters, people choose us.
Mutual bank — we answer to customers, not shareholders
Invest heavily in our shared community
Voted #1 for community banking and mortgages multiple times

Choose the Checking Account That Fits Your Finances

 All checking accounts include online and mobile banking, debit card controls, and access to 55,000+ ATMs.

 

Freedom Blue®

Freedom Gold®

Freedom Platinum®
Bonus $250 $350 $350
Monthly Fee $0 $19 (waived with a $10,000 balance) $29 (waived with a $50,000 balance)
ATM Surcharge Fee Reimbursements 5/month Unlimited Unlimited
Balance Needed for Perks None $10,000 $50,000
Best For Everyday banking Mid-level balances Premium Banking
Promo Code MSB250 MSB350 MSB350
  Open My Account Open My Account Open My Account













 

How to Earn Your Bonus

Step 1:

Open your checking account

  • Become a new personal checking account customer and apply promo code MSB250 or MSB350 by December 31, 2026

Step 2:

Complete qualifying activities

  • Use Your Debit Card: Make 8 debit card purchases totaling $100 within 90 days
  • Enroll in e-Statements
  • Make two or more direct deposits of $500 or more within 90 days of account opening

Step 3:

Get Paid

  • Once the qualifications are met, your bonus will be deposited into your checking account 90 days after the account is opened


Start my application


Banking That Works For You — And Your Finances

  • No surprise ATM fees
  • Local Massachusetts bankers who know your name
  • Convenient bank account opening with helpful switch support
  • Secure digital banking tools that keep your money secure and easy to manage

FAQs

To open a Checking and Savings account, you’ll need to provide some basic personal details, including your name, address, Social Security number, and a valid form of identification.
You can fund your new account via bank transfer, mobile check deposit, or by setting up direct deposit from your employer or benefits provider.

You’ll receive your payout 90 days after your account is opened following meeting the requirements.

Qualifying direct deposits include payroll, Social Security, pension, and government benefits. Transfers from other accounts or mobile deposits do not qualify.
 Still Have Questions? 
If you need assistance, we’re here to help. 
Schedule a conversation or visit a branch Appointment booking link

 

Don’t Miss Your Bonus 

Offer expires December 31, 2026. 

Open My Checking Account


Takes about 5–10 minutes. Secure online application. 
 

3.80
%
APY*
Special Promo 13 Month Certificate
*Annual Percentage Yield
3.80
%
APY*
Special Promo 7 Month Certificate
*Annual Percentage Yield
We’re here to help you navigate your finances with ease.

Learn about everything from balancing budgets to building credit with our financial education tools, designed with students in mind.

All accounts subject to approval.

Open a new Freedom Platinum® account or Gold Checking account and receive $350, or open a new Freedom Blue® Checking account and receive $250. To be eligible for either offer, you must not have had a personal checking account with Middlesex in the past 365 days (individually or jointly) and must provide promo code MSB350 (Freedom Platinum or Gold) or MSB250 (Freedom Blue) at account opening.

To earn the incentive, you must enroll in e-Statements, make two qualifying payroll or government issued direct deposit(s) totaling $500 or more within 90 days of account opening, and use the associated debit card for at least eight purchase transactions within 90 days of account opening totaling at least $100. Transactions must post and clear within that timeframe and ATM transactions do not qualify. Once the qualifications are met, the incentive will be deposited into the checking account 90 days after the account is opened.

The accounts can be opened with a $1 minimum deposit. Freedom Platinum® Checking has a $29 monthly fee that is waived, and all domestic non-BANK ATM surcharge fees are reimbursed, when combined deposit and portfolio loan balances total $50,000 or more. Freedom Gold® Checking has a $19 monthly fee that is waived, and all domestic non-Middlesex ATM surcharge fees are reimbursed, when combined deposit and portfolio loan balances total $10,000 or more. Freedom Blue® Checking provides up to five domestic out-of-network ATM surcharge fee rebates per statement cycle with at least one direct deposit, or without the direct deposit requirement for account holders under age 26.

Limit one incentive per person and per account. Offers expire 12/31/26, may be withdrawn at any time, cannot be combined with other offers, may be considered taxable income, and are void where prohibited.

Mastercard is a registered trademark of Mastercard International Incorporated.