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Holiday Branch and Customer Information Center Hours


In celebration of the holiday, our branches and Customer Information Center will close at 3 P.M. on Wednesday, November 22.  We will also be closed for the Thanksgiving Day holiday on November 23.  The bank will be open normal business hours on Friday, November 24.  Click here for additional information.

From all of us at Middlesex Savings Bank, we wish you a very Happy Thanksgiving.

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1. Mobile Banking

This Addendum to the Online Banking Agreement sets forth additional terms and conditions for use of Mobile Banking. Mobile Banking includes a free download of the Middlesex Savings Bank Mobile Banking Application, designed specifically for iPhone®, iPad®, Windows® Phone, BlackBerry®, HP® webOS™ and Android™ devices (the “Mobile Device").

2. Accepting this Addendum

By clicking "I Accept" when you download, enroll and use Mobile Banking, you agree to the terms and conditions of this Addendum. You agree to accept responsibility for learning how to use Mobile Banking in accordance with the online instructions and agree that you will contact us directly if you have any issues or concerns. We may modify the Mobile Banking service from time to time in our sole discretion. In the event of any modifications, you are responsible for making sure you understand how to use Mobile Banking as modified. You also accept responsibility for making sure that you know how to properly use the Mobile Device and we will not be liable to you for any losses caused by your failure to properly use Mobile Banking or the Mobile Device. Middlesex Savings Bank reserves the right to terminate this Agreement and your access to Mobile Banking, in whole or in part, at any time. Any deposit account, loan or other banking product (“Account”) accessed through Mobile Banking is also subject to the Online Banking Agreement, Account Agreements/Terms and Conditions, Combined Disclosures and any other agreement or disclosure (for example, those applicable to loans) provided at time of account opening or at a later date. You should review those agreements and disclosures, as they may include transaction limitations, fees or other terms that might apply to your use of Mobile Banking.

3. Description of Services

Mobile Banking is a service that allows you to access account information using compatible and supported wireless devices. You agree and understand that Mobile Banking may not be accessible or may have limited utility over some mobile networks, and that there may be browser or other technical limitations specific to an individual mobile device that will limit or prevent access to Mobile Banking. We make no representations that Mobile Banking will be available for use in locations outside of the United
States. Accessing Mobile Banking from locations outside of the United States is at your own risk and may not be secure.

4. Responsibilities and Security of the Mobile Device

You represent that you are the legal owner of the Accounts and other financial information which may be accessed using Mobile Banking. You represent and agree that all information you provide to us in connection with Mobile Banking is accurate, current and complete, and that you have the right to provide such information to us for the purpose of using Mobile Banking. You represent that you are an authorized user of the Mobile Device you will use to access Mobile Banking and that the Mobile Device will be password protected or have similar security in use.

You have the sole responsibility for maintaining the safety, security and integrity of the Mobile Device by which access Mobile Banking. You agree not to leave the Mobile Device unattended while logged into Mobile Banking and to log off immediately at the completion of each access by you. You agree not to provide any of your access information to any unauthorized person. You shall bear the entire risk for any use thereof, whether or not you have authorized such use and whether or not you are negligent. If you
permit other persons to use the Mobile Device, login information or any other means to access Mobile Banking, you will be held responsible for any transactions they undertake and we will not be liable for any damages resulting to you. You agree to not use Mobile Banking or the content or information delivered through Mobile Banking in any way that would be considered illegal. For suggestions on how you may secure your device, please visit our website.

You (on behalf of yourself, your estate, your heirs and all person who may claim through you) or, if an entity, its predecessors, successors and affiliates and its or their trustees, directors, officers, employees, agents and representatives and all persons who may claim through it) hereby agree to indemnify, defend and hold the Bank, its affiliates, and its and their trustees, directors, officers and
employees harmless from all costs and liabilities (including reasonable attorneys fees and costs) we may suffer or incur as a result of your enrollment into Mobile Banking or registration of the Mobile Device, arising from any claim to funds transferred out of your Account or paid under authority of the Mobile Device including but not limited to liability for items presented or electronic transfers against such funds, claims of government agencies for the return of funds, liability to other third parties claiming rights to the
funds, or any claim made against the Bank arising from any products and services provided by us to any person under authority of the Mobile Device.

5. Relationship to Other Agreements and Fees

You agree that you remain subject to the terms and conditions of your existing agreements with any unaffiliated service providers, including, but not limited to, your mobile service provider, and that this Addendum does not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking (such as data usage or text messaging charges imposed on you by your mobile service provider for uses of or interaction with Mobile Banking), and you agree to be solely responsible for all such fees, limitations, and restrictions. You agree that only your mobile service provider is responsible for its products and services. Accordingly, you agree to resolve any problems with your provider directly without involving us.

6. Changes or Cancellation

You may cancel your participation in Mobile Banking by texting STOP to 469228" or calling us at 877-463-6287. We reserve the right to change or cancel Mobile Banking at any time. You should notify us immediately if you believe the Mobile Device or log in and password has been lost or stolen or if you believe there have been any unauthorized transactions on any of your accounts. To notify us, call 1-877-INFO CTR (1-877-463-6287), Monday through Friday, between 7:00 a.m. and 9:00 p.m. and 8:30 a.m. and 3:30 p.m. on Saturday or send us notice by mail.