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​Checking Accounts

A checking option for every need.

We offer an array of Freedom Banking checking options that are simple, convenient and hassle-free. Find the features that suit you best. 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


Apple PayTM is available to all Middlesex Savings Bank Debit Mastercard holders who have a supported Apple device, such as an iPhone 6 or Apple WatchTM.

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Select the account below that's right for you.

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.

 

Apply today

 

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.

Convenience - Bank and pay bills anytime online with Online Banking and Bill Payment, or bank by phone with free Telephone Banking.

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.

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

As part of our Freedom Banking family of products, 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. 


Apply today

 

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.

Convenience - Bank and pay bills anytime online with Online Banking and Bill Payment, or bank by phone with free Telephone Banking. 

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.

 

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​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. 

 

Apply today

 

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

Convenience - Bank and pay bills anytime online with Online Banking and Bill Payment, or bank by phone with free Telephone Banking.

No-fee extras - First order of standard checks is free.

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.

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.

​If you want it all online and affordable, this is the account to click.

eBlue is not just affordable, it's an all electronic, "check-free" checking account.  Ideal for everyone who pays bills online and wants to receive their monthly statements via online banking.

 

Apply today

 

Go Paperless - Monthly electronic statements make it easy to stay organized and be environmentally conscious. 

Convenience - Bank and pay bills anytime online with Online Banking and Bill Payment, or bank by phone with free Telephone Banking. 

Affordable - The lowest monthly charge of any Middlesex checking account.  It's also the checking account with the lowest balance needed to waive the monthly maintenance charge. 

Fees and requirements - Open your account with as little as $1.00.  ATM fees and a monthly maintenance charge of $5 is waived if you are under 25 years of age, carry an average monthly balance of $100 or have direct deposit.

​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. 

 

Apply today

 

Convenience - Bank and pay bills anytime online with Online Banking and Bill Payment, or bank by phone with free Telephone Banking.

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.  ATM fees apply.

Checking Comparison Chart

​Freedom

Platinum​

​Freedom

Gold

​Freedom

Blue

​eBlue

Basic

​​​​Apply today​Apply today

Apply today

​​Apply today

Apply today

​What is it?

​​​Our premier account with special higher rates and more fee waivers than any account we offer

​​A checking account with excellent features and convenient ways to save

​Our most popular account with easy requirements to waive the maintenance charge

​Our all electronic, most affordable account 

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

​Plan on doing most of your banking electronically

​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 

​All Middlesex Savings Bank ATMs plus Allpoint Network ATMs 

Free Online Banking and Online Bill Pay

​Yes

​Yes

Yes​

​Yes

Yes​

​​Free Mobile and Text Message Banking

​Yes

​Yes

​Yes

​Yes

​Yes

​Monthly maintenance charge

​$​29

​$19

$10

​$5

$​3​

​Minimum requirement to waive the charge?

​$50,000 average monthly balance in all deposit accounts plus all outstanding portfolio loan balances, and direct deposit 

​​$10,000 average monthly balance in all deposit accounts plus all outstanding portfolio loan balances

​$250 average monthly balance

or

Direct Deposit

$​100 average monthly balance or

Direct Deposit

or

less than 25 years of age

Monthly charge required

​Other Benefits

​​Freedom

Platinum

​Freedom

Gold

Freedom

Blue

eBlue​

Basic

​​Premium Money Fund rates

​Yes - today's rates

Premium Certificate of Deposit rates

​Yes - today's rates

​​Fee-free Checking Services**

​Yes

Rebates of other bank ATM fees*

​Yes

​Yes

​​Two annual retirement plan fees waived

​Yes

​Yes

​​Free standard style checks or discounted special designed checks

​Yes

​Yes

​​​Free cashier's checks or money orders

​Yes

​Yes

Free Debit Mastercard(a)

​YesYes​​YesYes​​Yes

​Free starter checks

​Yes

​Yes

​Yes

​Yes

Overdraft Protection Transfers available

​Yes, no fee

 

​Yes, no fee

​Yes

​Yes

​Yes

​18/65 Benefits

​​Yes

​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, eBlue, 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.

**Freedom Platinum Fee-free Checking Services include overdraft transfer, stop payment, temporary check, statement copy, treasurer's checks and history or check clearing inquiry fees.  Annual retirement plan administration fees on up to two plans and American Express gift card and cheque fees, as well as the Good Neighbor Equity Line of Credit fee are also included.  See the Consumer Fee Schedule below for complete details.      
       
       
       
     
      
       

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

 

 

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.

See Consumer Fee Schedule for additional information.