Consumer Fee Schedule
Consumer Fee Schedule
Effective January 3, 2023
CHECKING ACCOUNT CHARGES
FREEDOM CHECKINGSM
FREEDOM Platinum®
Monthly Maintenance Charge .................................$ 29.00
Per Check Fee......................................................... No Charge
(Monthly maintenance charge is waived, and all
ATM surcharge fees from non-Middlesex ATMs will
be reimbursed per statement cycle if your combined
balances are $50,000 or more. Combined balances are
average monthly balances in all deposit accounts plus
all outstanding portfolio loan balances.)
FREEDOM Gold®
Monthly Maintenance Charge ................................. $ 19.00
Per Check Fee......................................................... No Charge
(Monthly maintenance charge is waived, and all
ATM surcharge fees from non-Middlesex ATMs will
be reimbursed per statement cycle if your combined
balances are $10,000 or more. Combined balances are
average monthly balances in all deposit accounts plus
all outstanding portfolio loan balances.)
FREEDOM Blue®
Monthly Maintenance Charge ........................... No Charge
Per Check Fee......................................................... No Charge
(Five ATM surcharge fees from non-Middlesex ATMs
will be reimbursed per statement cycle if account holder
has at least one direct deposit during the statement
cycle. If account holder is under 26 years of age, direct
deposit is not required to receive five ATM surcharge fee reimbursements.)
NOW CHECKING
Monthly Maintenance Charge ..................................$ 15.00
Per Check Fee......................................................... No Charge
(Monthly maintenance charge and ATM surcharge fees
are waived if average monthly balance is equal to or
greater than $1,000.)
BANK SERVICES/CHARGES
ATM AND DEBIT MASTERCARD® CHARGES
Debit Card and POS Purchases........................... No Charge
Card Replacement^^.................................................... $ 10.00
ATM Service Charge*....................................................$ 2.00
ELECTRONIC BANKING
Online Banking ..................................................... No Charge
MSB eDepositSM Services ....................................No Charge
Bill Payment Services .......................................... No Charge
Mobile Banking .................................................... No Charge
Telephone Banking .............................................. No Charge
WIRE TRANSFER FEES
Outgoing Domestic Wire Fee** ^^ .............................$ 27.00
Repetitive Domestic** ^^ ......................................$ 24.00
Outgoing Foreign Wire Fee (U.S. Dollars/
Foreign Funds) .........................................................$ 45.00
Incoming Domestic** ^^/Foreign Wire Fee** ^^ .......$ 15.00
CHECKS PROCESSED
Foreign in U.S. Funds ...................................................Varies
Foreign in Foreign Funds ...........................................Varies
Canadian in U.S. or CAD Funds .......................... $ 15.00 ea.
U.S. Funds, Outgoing/Incoming Collection......$ 20.00 ea.
Returned Deposited/Cashed Check
Fee Foreign Funds.........................................................Varies
U.S. Funds .......................................................... $ 8.25 ea.
OVERDRAFT PROTECTION
Line Of Credit ................................................... Variable Rate
(for qualified accounts only)
Overdraft Transfer Fee^...............................................$ 6.00
OTHER FEES
Insufficient Funds Charge ........................................$ 35.00
(Checks/electronic charge presented or represented against
non-sufficient funds or returned for any reason)
for 18/65 account holders .................................... $ 5.00
Stop Payment Fee** ^^ .................................................$ 32.00
for 18/65 account holders .................................. $ 10.00
Reconciliation/Research....................................$ 30.00/hr.
History/Check Clearing Inquiry (per request) ....... $ 3.00
Temporary Check† ^^ ................................................$ 1.00 ea.
Statement Copy^^ ....................................................$ 5.00 ea.
Check Copy^^ ............................................................$ 5.00 ea.
Treasurer’s Checks†^ ..............................................$ 8.00 ea.
Money Orders†^........................................................$ 5.00 ea.
Abandoned Property Fee...........................................$ 35.00
Account Inactivity Fee ........................................ $ 6.00/mo.
(Applies to NOW Checking accounts. Accounts are inactive after
365 days without a customer-initiated transaction.)
Lost Passbook.............................................................. $ 10.00
Tax Levy Fee (per account)......................................$ 110.00
Retirement Plan Fee†† ...........................................$ 15.00/yr.
Retirement Trustee Transfer (Outgoing)..............$ 30.00
Check Order....................................................................Varies
(The cost of checks depends on the style. Standard
style checks are free to 18/65 account holders, and an
initial supply of free standard style checks is provided
to new Freedom Blue accounts. Freedom Platinum and Freedom Gold accounts
come with free standard style checks for the life of the account).
FOREIGN CURRENCY SERVICES
Draft......................................................................... $ 30.00 ea.
SAFE DEPOSIT BOXES
Size (inches) Annual Fee
1 x 4.5 up to 2 x 5 ...................................................$ 40.00 ea.
2.5 x 5....................................................................... $ 45.00 ea.
3 x 5 .......................................................................... $ 55.00 ea.
3 x 10 ........................................................................$ 95.00 ea.
4 x 5..........................................................................$ 60.00 ea.
4 x 10...................................................................... $ 100.00 ea.
5 x 5.......................................................................... $ 75.00 ea.
5 x 10 .......................................................................$ 135.00 ea.
6 x 10.......................................................................$ 135.00 ea.
7 x 10 .......................................................................$ 135.00 ea.
8 x 10.......................................................................$ 135.00 ea.
10 x 10 .....................................................................$ 215.00 ea.
(Safe deposit box contents are not insured by the FDIC or
Middlesex Savings Bank.)
Safe Deposit Box Key (Lost) ............................... $ 20.00 ea.
Safe Deposit Box Late Charge Assessment ......$ 15.00 ea.
Safe Deposit Drilling ..........................................$ 225.00 ea.
18/65 ACCOUNT HOLDERS
If you are under the age of 19 or are age 65 or
older, you are entitled to certain account benefits
for one checking account and one savings account.
Some restrictions apply. See a Customer Service
Representative for details.
For more information on our consumer and business products and services, please visit our website at www.middlesexbank.com or call us at 1-877-463-6287.
* Waived on NOW, Freedom Checking accounts and all 18/65 account holders. Charge applies to all transactions. Other banks may impose a surcharge for use of their ATM machines. ** Service free to Freedom Military Banking customers
† Service free to 18/65 account holders and Freedom Military Banking customers. †† Maximum two retirement plan fee waivers per account per year for Freedom Gold and Freedom Platinum customers. ^ Waived for Freedom Gold and Freedom Platinum customers. ^^ Waived for Freedom Platinum customers.
