Middlesex Federal

Open online and don't forget to request a debit card!

No monthly fee.   No minimum balance.
Online banking and mobile App.
Debit Card with free ATM access, unlimited refunds, and zero liability.
eStatement Savings also available online - use the form below to get started.

Get Started
It's fast!  It's easy!  It's FREE! 
Open your Simply eFree checking account or eStatement Savings online today, and start enjoying a better banking experience tomorrow.   Available to Massachusetts residents only.

Don't forget to request your debit card to enjoy FREE ATM access at every ATM - Always!!

New Personal Customer

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.

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! 



Middlesex Federal won't charge Simply Free (includes Student account) and President's Choice checking customers for using another bank's ATM. And, at the end of every statement cycle, we'll reimburse any surcharge fees other Bank's may charge.  Learn More


Member FDIC

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



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