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Other Services

Automated Teller Machines* (ATMs)

Available at all three branches. Click name for directions: 

Member of the SUM Network


SUM is an interbank network that is largely made up of smaller banks and credit unions to allow free ATM access. Account holders at member institutions do not pay ATM usage fee for using ATMs of any other financial institution within the network.

SUM is the product of NYCE Payments Network, LLC, an FIS company.

To locate the nearest SUM ATM click here.

Overdraft Protection
**  O
ccasional Overdraft Privilege Service OOPs!

OOPs! will automatically transfer funds into your checking account (up to your limit) for those occasional times you do not have sufficient funds to cover a payment.  Available to Simply Free Checking, Easy Interest Checking, President's Choice CheckingSimply Free Business Checking, and Easy Interest Business Checking accounts in good standing after 30 days.** 

Wire Transfers
  Available to customers only.

  • Out-going (Domestic) $30
  • In-coming (Domestic & International, US Dollars) No Charge

Direct Deposit

Learn more about the many advantages of direct deposit.

  • Instead of receiving paper checks from your employer, government benefits, retirement or pension fund, etc., sign up for safe and reliable direct deposit.
  • With the Social Security Administration requiring direct deposit beginning March of 2013, your funds will be guaranteed to be in your account the day your benefit is due.
  • Advantages of direct deposit are many, including available funds as soon as the deposit is made. No visits to the bank to cash or deposit your check and the security of your check not being lost in the mail.

Contact our Customer Service Department at 617-666-4700, or stop by any branch location for more information.

ABA Routing Number

Our ABA Routing Number is 211370150

Money Order & Treasurer's Checks

  • Personal Money Order (up to $1,000) $2 
  • Treasurer's Check (over $1,000) $5 

Drive-up Teller

Available at our Teele Square Branch.


Convenient way to update passbooks, make deposits or withdrawals, order checks, or to change your address. Pre-paid envelopes are available upon request.

Free Telephone Banking
Automated 24 Hour Info Line 1-888-9-MIDDLE (64-3353)

First time users: enter last four digits of social security number. The automated system will then prompt you to choose a new pin number.

  • Easy access to current deposit rates, loan and mortgage rates, account balances, checks paid, deposits and withdrawals made, interest credited.
  • Easily transfer funds to and from your Checking, Statement Savings, or Money Market account.

Safe Deposit Boxes

(Main Office, Davis Square) FDIC does not insure safe deposit boxes or its contents.

Annual Fee Varies by size
Drilling Fee   $150
Key Deposit   $  20
Late Payment   $  10
Transfer of Box   $  20

Notary Service
Offered to anyone with proper identification at no charge.

To find out more about our products and services, click here to use our information request form, visit us at any branch office, or call us at 617-666-4700.

* Middlesex Federal Savings will not charge a fee for using other institution's non SUM network ATMs, up to five withdrawals, five transfers, and five inquiries per statement cycle.  ATM surcharge fees imposed by other institutions at non SUM network locations may apply.  Middlesex Federal Savings will credit up to three ATM surcharges assessed by other institutions per statement cycle when presented with qualified receipts. 
**OOPs! is available to accounts in good standing at the end of 30 days. Notification will be sent after 30 days. Limits apply. Customer has the option to opt-out at any time.