Freedom Checking

Convenience is the most valuable benefit of all
View All Checking Accounts

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

Whether you’re just putting down roots or planning the next phase of your life’s story, if you prefer to bank with technology, or reach a real, live person, we’re always investing in new ways to personalize your banking experience with more features that matter and all the exceptional services you deserve.

Personal
  • Convenient branches, most with drive-thrus

  • Friendly and knowledgeable bankers

  • A choice of accounts to meet your needs

Digital
  • Mobile App – bank when and where you want †

  • Online banking – make transfers and manage your account †

  • The perfect companion to Venmo and other payment apps 1

Seamless
  • ATM refunds – We'll show you how you could use other ATMs and get the fee back. (Scroll down for details)

  • Instant issue/replacement ATM cards

  • A great banking experience across devices and branches

Freedom Checking for All

Combining modern, digital banking convenience with unparalleled personal service, our simplified Freedom checking accounts are designed to fit your unique needs.

Freedom Blue® Checking

Free checking. Get a great checking experience without a monthly maintenance fee.

  • No monthly fees
  • Have direct deposit? Then recieve five reimbursements per statement cycle for non Middlesex ATM surcharge fees
  • Student Benefit: Direct deposit requirement is waived for account holders under the age of 26 to recieve ATM reimbursements

Freedom Gold® Checking

Checking with extra benefits. Maintain a $10,000 combined balance - including Middlesex loans - and enjoy extra benefits.*
  • Unlimited reimbursements for non-Middlesex ATM surcharge fees
  • Special Freedom Gold Money Fund with higher rates
  • Fee waivers on select banking products and services

Freedom Platinum® Checking

Top-tier checking. Expand the relationship with a minimum combined balance of $50,000 - including Middlesex loans - and experience exclusive benefits, robust features, and rewards.**
  • Unlimited reimbursements for non-Middlesex ATM surcharge fees
  • Special Freedom Platinum Money Fund with premium rates
  • Fee waivers on select banking products and services
  • Premium interest rates on Freedom Platinum CDs

Whichever checking account you choose, there are no fees for the following:

  • Check writing

  • Deposits

  • Withdrawals and ACH or Electronic transactions

  • Debit Mastercard® purchases and transactions

  • Online banking and bill pay

  • Mobile and text message banking†

  • Monthly eStatements

  • Access to thousands of fee-free ATMs

If your bank isn’t making it easy for you to bank remotely or doing enough to help the community handle new challenges, join us at Middlesex Savings Bank. Our friendly tech makes it simple to handle almost any banking need from home – or wherever you are. And our commitment to the community is unmatched. As one of the largest mutually-owned savings banks in the country, it’s our duty – and honor – to serve the towns surrounding our branches.

You don’t need to visit a branch – you can open your Freedom Checking account online in about 10 minutes. We’ll mail your checks and debit card, but you can start using Online Bill Pay or P2P pay as soon as your account is approved, digitally signed, funded and your account number issued.
 
All accounts are subject to approval.

Freedom Blue: Minimum of $1.00 to open account. Five ATM surcharge fees from non-Middlesex ATMs will be reimbursed per statement cycle if account holder has monthly electronic deposit/payment. If account holder is under 26 years of age, electronic deposit/payment is not required to receive five ATM reimbursements.

*Freedom Gold: Open your account with as little as $1.00. Monthly maintenance charge of $19 is waived 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. In addition, all non-Middlesex ATM surcharge fees will be reimbursed if your combined balances are $10,000 or more.

**Freedom Platinum: Open your account with as little as $1.00. Monthly maintenance charge of $29 is waived 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. In addition, all non-Middlesex ATM surcharge fees will be reimbursed if your combined balances are $50,000 or more.

See the Consumer Fee Schedule for additional information.

† Carrier rates may apply.

Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated, used pursuant to a license. See the Debit Mastercard Guide to Benefits for additional debit card information.

1Venmo is a registered trademark of its owner.