Personal Banking Personal Checking Accounts

Choose the account that fits you.

Checking accounts shouldn't be one-size-fits-all. But they shouldn't be complicated, either. That's why we've created three easy accounts that offer great benefits.

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  Freedom Blue® Checking Freedom Gold® Checking Freedom Platinum® Checking
  Free checking account with ATM reimbursements. Great checking account with extras, including unlimited ATM reimbursements, special money fund with higher rates and fee waivers.  Receive the benefits associated with other checking accounts & more. Plus your relationship earns you premium rates on money fund and CDs.
Monthly maintenance charge $0 $19 $29
Easy way to avoid monthly maintenance charge   $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.
Minimum balance requirement $0 $10,000 average monthly balance to waive monthly maintenance charge. $50,000 average monthly balance to waive monthly maintenance charge.
Direct deposit requirement ×

Direct deposit is required to receive five ATM surcharge fee reimbursements from non-Middlesex ATMs per statement cycle.

Student Benefit! Direct deposit requirment is waived to receive the five monthly ATM reimbursements for customers under age 26.
× ×
ATM Surcharge reimbursement Five ATM fee reimbursements
per month with electronic deposit/payment.
Receive unlimited ATM fee reimbursements when minimum balance requirements are met. Receive unlimited ATM fee reimbursements when minimum balance requirements are met.
Free ATM access Any Middlesex ATM plus any of the 40,000+ fee-free ATMs in the Allpoint Network. Any Middlesex ATM plus any of the 40,000+ fee-free ATMs in the Allpoint Network. Any Middlesex ATM plus any of the 40,000+ fee-free ATMs in the Allpoint Network.
Free online banking and online bill pay
Free mobile and text message banking
Checks Free standard style starter checks. Free standard style checks + discounted custom checks. Free standard style checks +
free custom checks.
Debit/ATM cards
Instant issue debit/ATM cards
Free overdraft protection transfers available × 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.
Money fund Freedom Gold Money Fund Freedom Platinum Money Fund
Preferred CD rates × ×
Special fee waivers × Annual Good Neighbor Equity Line of Credit fee

Two retirement plan administration fee waivers per account per year

Overdraft transfer fees

Treasurer's checks fees
Annual Good Neighbor Equity Line of Credit fee

Two retirement plan administration fee waivers per account per year

Overdraft transfer fees

Treasurer's checks fees

Stop payment fees

History or check clearing inquiry fees

Temporary check fees

Copies of statements fees
  Open Now Open Now Open Now

Questions?

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

CONTACT US

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 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.