Middlesex Federal

Open online, request a debit card, and
we'll pay you $150 to use it!

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 earn $150!!

New Personal Customer

We'll Pay You $150
to Use Your Debit Card!!

  • Open Simply eFREE Checking Online
  • Request a debit card
  • Use your debit card 15 times.
  • Find an extra $150 in your account.

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. 

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

$150 Simply eFREE Checking Online Offer Open a NEW Middlesex Federal (MFS) Simply eFREE Checking online at MiddlesexFederal.com.  Request an MFS Debit Card during the online account opening process.  Receive your card within 5-10 business days.  Make fifteen Point of Sale (non-ATM) transactions using your MFS debit card within the second through fourth statement cycle from the date of account opening, and we'll credit your account $150 on the last day of the fourth statement cycle. Restricted to one $150 payment per account holder. Not available to business accounts. Subject to the IRS 1099-INT reporting. 

MFS ACCOUNTS AVAILABLE TO MASSACHUSETTS RESIDENTS ONLY.  Restricted to one $150 payment per account holder. Not available to business accounts. Subject to the IRS 1099-INT reporting. 

Free 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.