Middlesex Savings Bank Personal Checking

Checking Accounts

A CHECKING OPTION FOR EVERY NEED.

Our feature-rich checking options, combined with the power of online banking, add up to a convenient banking experience for you.

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


  • ​Check writing

  • Deposits

  • Withdrawals and ACH/electronic transactions

  • Debit Mastercard® and ATM transactions

  • Online Banking and Bill Pay

  • Mobile and Text Message Banking

  • Monthly eStatements

  • Access to thousands of fee-free ATMs
     


Prefer paying with your smartphone? Apple Pay®, Android Pay™, and Samsung Pay® are now available.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Android Pay, is a trademark of Google Inc.​ Samsung Pay is a registered trademarks of Samsung Electronics Co., Ltd.

Select the account below that's right for you.

Basic Checking

If you want a checking account that's easy to manage, Basic Checking is the answer.

If you write fewer than 10 checks per month, don't want to worry about maintaining a balance, and are willing to pay a nominal fee, this is your account.

No-fee extras

Every month, the first 10 checks you write are free, then it's just $0.50 per check.

Fees and requirements

Open your account with as little as $1.00.  $3 monthly maintenance charge with no minimum balance required.  Foreign ATM fees apply.

 

Freedom Blue

A great everyday checking account.

If you typically carry low minimum balances but still want a convenient account that gives you everything you need, this is the one.

Savings

Includes a companion Money Fund account with competitive rates that make saving easy.

  

No-fee Extras

First order of standard checks is free.

Fees and requirements

Open your account with as little as $1.00.  ATM fees and a monthly maintenance charge of $10 are waived with an average monthly balance of $250 or direct deposit.

Optional overdraft protection

Set up your account to automatically transfer funds from your Money Fund account to cover an overdraft. A Reserve Line of Credit is also available when your balance falls below zero.

 

Freedom Gold

A checking account with excellent features, including free anywhere, anytime ATMs.

Freedom Gold is ideal if you maintain balances of $10,000 or more in any combination of deposits and outstanding loan balances.* We appreciate that commitment and offer a product with easy ways to save and bank.

Savings

Includes a no-fee Freedom Gold Money Fund with great rates that make saving easy.
 

Unlimited ATM fee rebates*

You will be reimbursed 100% for using any ATM, anywhere in the world.

Fee waivers

  • Annual Good Neighbor Equity Line of Credit fee waived
  • Annual retirement plan administration fees waived on up to two plans
  • Overdraft Transfer fees waived

Optional overdraft protection

Set up your account to automatically transfer funds from your Money Fund account to cover an overdraft.  A Reserve Line of Credit is also available when your balance falls below zero.
 

No-fee extras

Free standard style checks or discounted special designed checks, and free Bank Checks and Money Orders.

*Fees and requirements - Open your account with as little as $1.00.  ATM service charges and the 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 foreign ATM surcharge fees will be reimbursed if your combined balances are $10,000 or more with direct deposit, or you have combined balances of $25,000 or more.

 

Freedom Platinum

You asked, we listened. Our most feature-rich checking account.

With the help of customer input, we designed Freedom Platinum to include the features that matter the most to you. From unlimited ATM rebates* to special, higher rates, and eliminated fees, this is as good as a checking account can get. Freedom Platinum is designed for customers who maintain higher balances ($50,000 or more).* But qualifying may be easier than you think. Any combination of savings, checking, CD, line of credit or outstanding loan balances at Middlesex counts.

Savings

Includes a Freedom Platinum Money Fund with premium rates and special higher Freedom Platinum Certificates of Deposit rates.
 

Unlimited ATM rebates*

You can be reimbursed 100% for using any ATM, anywhere in the world.

Fee waivers

  • Good Neighbor Equity Line of Credit fee
  • Annual retirement plan administration fees on up to two plans
  • Overdraft Transfer fees
  • Stop payment fees
  • History or check clearing inquiry fees
  • Temporary check fees
  • Copies of statements fees
  • Treasurer's checks fees
  • American Express gift card and cheque fees

 

Optional Overdraft Protection

Set up your account to automatically transfer funds from your Money Fund account to cover an overdraft.  A Reserve Line of Credit is also available when your balance falls below zero.
 

No-fee extras

Free standard style checks or special designed checks, and free Bank Checks and Money Orders.

*Fees and requirements - Open your account with as little at $1.00. ATM service charges and the monthly maintenance charge of $29 are waived and all foreign ATM surcharge fees will be reimbursed if your combined balances are $50,000 or more with monthly direct deposit or electronic payment. Combined balances are average monthly balances in all deposit accounts plus all outstanding portfolio loan balances.

 

  Freedom Platinum
Apply today
Freedom Gold
​Apply today
Freedom Blue
Apply today
Basic
Apply today
What is it? Our premier account with special higher rates and more fee waivers than any other account we offer ​​A checking account with excellent features and ways to save

Our most popular account with easy ways to waive the monthly charge

A simple and affordable account for those with the simplest banking needs
Right for you if you... ​Want our best Money Fund and Certificate of Deposit rates combined with fee-free services not found with other checking accounts ​Want features and benefits, including no-fee ATM usage anywhere you go ​Want a basic account that meets your primary checking needs ​Write fewer than 10 checks a month and don't want to worry about maintaining a balance
Free ATM Access ​Yes - Anytime, Anywhere, Unlimited surcharge free ATM access* Yes - Anytime, Anywhere, Unlimited surcharge free ATM access* All Middlesex Savings Bank ATMs plus Allpoint Network ATMs ​All Middlesex Savings Bank ATMs plus Allpoint Network ATMs
Free Online Banking and Online Bill Pay ​Yes ​Yes ​Yes ​Yes
Free Mobile and Text Message Banking ​Yes ​Yes ​Yes ​Yes
Monthly charge ​$​29 ​$19 $10 $​3​
How to waive monthly charge ​​$50,000 average monthly balance in all deposit accounts plus all portfolio loan balances**, and direct deposit ​​$10,000 average monthly balance in all deposit accounts plus all portfolio loan balances**

​$250 average monthly balance

or

Direct Deposit

Monthly charge required

 

  Freedom Platinum Freedom Gold Freedom Blue Basic
Free Starter Checks Yes Yes Yes Yes
Free standard style checks or discounted special designed checks ​Yes ​Yes    
Free Overdraft Protection Transfers Available Yes Yes No No
18/65 Benefits     Yes Yes

18/65 Account Holder Benefits:  If you are under the age of 19 or are age 65 or older you can choose from Basic Checking or Freedom Blue and pay no monthly maintenance charge.

*For Freedom Platinum: All foreign ATM surcharge fees will be reimbursed if your combined balances are $50,000 or more and with direct deposit. For Freedom Gold: All foreign ATM surcharge fees will be reimbursed if your combined balances are $10,000 or more with direct deposit, or you have combined balances of $25,000 or more.

**Includes balances outstanding as of loan closing date.


 

Questions?

Call our local customer information center at 1-877-463-6287 or visit any branch. We're happy to help.

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