Middlesex Federal

Simply eFREE Checking
The best online free checking account.

No monthly fee.
No minimum balance.
Online banking and mobile App.
Debit Card1 with free ATM access, unlimited refunds, and zero liability.
eStatement Savings also available online!

Get Started
It's fast!  It's easy!  It's FREE! 
Open your Simply eFree checking account online today, and start enjoying a better banking experience tomorrow.

Click here to learn more about our Business Banking products and services.

It's Fast!
Grab your license and debit card  (or a check from another bank) and click on the Open Online button to start your application.

It's Easy!
Answer a few questions, review and accept disclosures, and your application will be complete.  All it takes is $50 to open and a few minutes.  In no time, you can start using and managing your account online.  TIP: Use a debit card to fund your account and it will be available sooner.

It's FREE!
Free means free. There's no minimum balance or monthly fee and ATM access is free. Whether you use our ATM or another ATM, it's free.  We don't charge if you use your Middlesex Federal Debit Card at another bank's ATM and automatically reimburse ATM fees other banks charge. 
 And, just in case you need a few ol' fashion checks, we'll supply you with your first set for free. 

Don't forget, your free Middlesex Federal Debit Card comes with zero liability protection and online controls.

More Ways to Bank - It's that simple!
Because you have better things to do, Middlesex Federal lets you bank the way you want to bank.  Online.  In our App.  On Your Phone.  In Your Wallet.  At an ATM.  In-Person.   However you decide to bank with us,  we're here to help!

Click here to check out our helpful, quick read Personal Finance and Budgeting blogs. 

More Ways to Bank

Bank the way you want to bank - online, in our App, on the phone, in your wallet, at an ATM, or in person. However you decide, we're here for you! 



Mastercard's Zero-Liability protects Middlesex Federal Personal Debit cards from unauthorized purchases made in-store, on-the-phone, or online. 


FDIC Insurance

Deposits insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000.   Learn More

Data charges may apply when using a mobile device.    Fees may apply to stop payment requests, refer to Fee Schedule

1Free ATM Access:  We will not charge a fee when using your Middlesex Federal Debit Card at our ATMs or another bank's ATM.  And, we'll reimburse any surcharge fees charged by other banks at the end of each statement cycle.   Statement Savings ATM access is available to MFS personal checking customers only.
Zero-liability applies to debit card purchases made in the store, over the telephone, online, or via a mobile device. As a cardholder, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your card from loss or theft and promptly report to Middlesex Federal when your MasterCard was lost or stolen. For additional protection with respect to unauthorized transactions, please refer to your account agreement.  Zero Liability does not apply to the following Mastercard payment cards: commercial cards, or unregistered prepaid cards, such as gift cards.