Personal Checking Accounts

Convenience is the most valuable benefit of all.

Meet the modern checking experience, for every lifestyle or goal. 

At Middlesex Savings Bank, we look at life the same way you do – and offer a choice of checking accounts to support your needs. Whichever account you choose, you'll get friendly, helpful customer service and conveniences that make every day a little smoother.
  • Online and Mobile Banking
  • 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

Freedom Blue® Checking comes with no monthly 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.
  • No monthly maintenance fee or minimum balance requirement
  • Sign up for direct deposit and get five rebates of non-Middlesex ATM surcharge fees per statement cycle
  •  Account holders under age 26 get five rebates per statement cycle of non-Middlesex ATM surcharge fees  without direct deposit

Freedom Gold® Checking

Freedom Gold® Checking offers more convenience and better rates on money funds. Your outstanding loan balances also count toward waiving the monthly fee, so it’s easier to get more for less.

  • Maintain a $10,000 combined balance and get unlimited reimbursements for ATM surcharge fees when you use a non-Middlesex machine
  • Fees waived on select Middlesex banking products and services

Freedom Platinum® Checking

Freedom Platinum® Checking gives you the best Middlesex Savings Bank has to offer, with higher CD rates, reduced 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 ATM surcharge fees when you use a non-Middlesex machine
  • Fees waived on select Middlesex banking products and services
Select up to 3 products at a time to compare.
Freedom Blue® Checking
Freedom Blue® Checking comes with no monthly 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
Freedom Gold® Checking offers more convenience and better Money Fund rates. Your outstanding loan balances also count toward waiving the monthly fee, so it’s easier to get more for less.
Freedom Platinum® Checking
Freedom Platinum® Checking gives you the best Middlesex Savings Bank has to offer, with higher CD account rates, reduced fees, and other premium benefits. When you need your bank to do more, we deliver.
Back to product selection
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 Banking & Mobile Pay
Yes
Yes
Yes
Instant Issue Debit/ATM Cards
Yes
Yes
Yes
ATM Surcharge Reimbursement
Five ATM fee reimbursements per statement cycle with direct deposit.
Receive unlimited ATM fee reimbursements when minimum balance requirements are met.
Receive unlimited 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.
Back to product selection