Anytime you need to deposit a check, we're right there with you. 

You don't always have time to deposit checks at the branch. So don’t.

Turn your smartphone or tablet into an extension of Middlesex Savings Bank and save yourself a trip. Once you have downloaded our mobile app, you may begin depositing checks. 

Middlesex is a full-service bank serving individuals, families, and business owners throughout Massachusetts.

Frequently Asked Questions

  • Using your mobile device, please take a photo of the front and back of your endorsed check. The back of all checks should be signed and endorsed as follows:

Payee’s signature
For Mobile Deposit Only

  • Print the words "For Mobile Deposit Only" on one line using black ink. Do not use cursive or a stamp. 
  • Place your check on a dark-colored, plain surface that’s well lit and position your camera directly over the check (not at an angle). 
  • Submit your deposit.
  • At the bottom of the screen, you should see the words: Deposit Processing.
  • Each check is considered a separate deposit. You may make multiple deposits in a single session.
  • Please note that there are daily and monthly deposit limits.

You will receive an email from

The notification will read: Your transaction has been approved and includes a reference number for your deposit. If you do not receive an email, do not assume your deposit has been accepted and then credited.

You must receive the email to complete the eDeposit process.

If you do not receive a “deposit notification” email, please call the Information Center at 1-877-463-6287 for assistance.

All Middlesex Savings Bank eDeposits made before 4:00 p.m. ET (3:00 p.m. CT) on a business day are processed and credited that same business day.

Deposits received after 4:00 p.m. ET (3:00 p.m. CT) will be processed and credited the following business day.

Saturdays, Sundays, and Federal holidays are not considered business days for processing purposes.
You should mark it as being electronically deposited (to prevent mistakenly re-depositing the check) and store it securely for 60 days. After that, the check should be shredded and disposed of properly to prevent potential identity theft or misuse.
No, only domestic U.S. originated checks in U.S. dollars are accepted via Middlesex Savings Bank eDeposit.
  • No foreign checks.
  • No Postal Money Orders or Money Grams.
  • No third party checks.
  • No joint payee checks.
If you do not receive an email, do not assume your deposit has been accepted and then credited. You must receive the email to complete the process.
Taking high-quality photos of your check is the best way to ensure that it is deposited successfully:
  • Make sure there is good lighting where you are taking the photo of your check and make sure your camera lens is clean.
  • Place the check on a dark surface.
  • Make sure the check is clearly visible, no other objects interfere and all four corners of the check are evident.
  • Be sure that your camera can focus on the image. Being too close can make the check image blurry.
  • The signature on the check must not go into the MICR line on the bottom of the check.