Personal Banking Checking Accounts

Checking That's Right for You.

From student to senior - we have an account for every stage of life.

Freedom Blue® Checking

Free checking

Customers who typically carry a low  balance and don't want to pay maintenance fees every month.

  • No monthly fee
  • Have direct deposit? Then receive 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 receive ATM reimbursements

Freedom Gold® Checking

Checking with extra benefits

Customers who maintain a $10,000 combined balance - including Middlesex loans - enjoy added 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

Customers with a minimum combined balance of $50,000 receive exclusive benefits, robust features, and rewards.**


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
     


SMART BANKING TOOLS

Convenient ways to pay
Use your debit card, digital wallet, or pay friends from your phone.
24/7 security
Fraud monitoring, secure sign-in, and card locking features.
Custom account alerts
React to account changes in real time.
Instant issue debit card
Get your debit card the same day you open your account.
Secure fingerprint sign-in
Log in with the touch of your thumb.
e-Deposit
Make deposits right from your phone.

Get Started

Open an account today!

Apply Now

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.

Check with your wireless service provider for details on its fees and charges for mobile and text messaging services.

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.