Middlesex Federal

Coronavirus Information

Your Health and Safety is Our First Priority

Learn More: The Third Round of Economic Impact Payments
The Internal Revenue Service is issuing the third payment in phases.  The first batch was issued with a March 17, 2021 payment date. 
If you haven't received one yet, it doesn't mean you won't.  Each week, additional payments will be sent to eligible individuals as tax returns are processed. 
Visit the IRS website for the most up-to-date information for eligibility and payment details.  

Learn More: COVID-19 Vaccine Scams
Scammers are using telemarketing calls, text messages, social media platforms, and door-to-door visits to offer COVID-19 tests, grants, and Medicare prescription   cards in exchange for personal and medical information that can be used to commit fraud or medical identity theft. 
Beware of this and other COVID-19 related scams listed at the bottom of this page.

Click Here to Download PDF
"AVOID COVID-19 VACCINE SCAMS"

We’re Here to Help
As the COVID-19 pandemic impacts our communities, Middlesex Federal continues to make the health and well-being of our customers and employees our top priority.  We are responding to the needs of individual and business customers directly affected by COVID-19 and continue to service customers by phone, email, online, mobile app, at the drive-thru teller, and by appointment. 

If your household or business has been financially impacted, contact us to discuss accommodations that may be available to you.  For more information on what Middlesex Federal is doing to assist our customers and a list of helpful links from reliable resources, please see below.

Thank you for your patience and understanding as we face these challenging conditions together.

Personal Banking Customers

  • Our Davis & Teele Square lobbies are open for business.  Access may be limited due to social distancing.  We continue to service customers by phone, email, online, mobile app, at our Teele Square Drive-thru, and by appointment.  We encourage you to use our 24-hour account access options listed below.  If you would like a Customer Service Representative to assist you with any of these services, please call 617-666-4700 or click on the link below to send us an email.  Click here to view hours.
     
  • The Internal Revenue Service and Treasury Department delivered the second round of Economic Impact Payments as part of the Coronavirus Response and Relief Supplemental Appropriations Act of 2021 to millions of Americans who received the first round of payments earlier last year.  Please visit the IRS website for the most up-to-date information for eligibility and payment details.

  • We're here to help.  If you have any questions or would like to schedule an appointment please contact us by phone or email.  The privacy of your information is important to us; a valid form of identification may be requested.

617-666-4700    EMAIL

Home Loan Customers

  • If you are an existing Middlesex Federal residential mortgage or home equity customer and have been affected by COVID-19 and would like to discuss payment relief options, please contact us by phone or click on the link below to send us an email.
     
  • Our Home Loan Specialists continue to work with potential borrowers who are planning on purchasing a new home or are interested in discussing their refinancing options.  

617-666-4700    EMAIL HOME LOANS

  • COVID-19 Related Scams
    VACCINE SCAMS

    The Federal Bureau of Investigation (FBI), Department of Health and Human Services Office of Inspector General (HHS-OIG), and Centers for Medicare & Medicaid Services (CMS) are warning the public about several fraud schemes related to COVID-19 vaccines.

    Scammers use telemarketing calls, text messages, social media platforms, and door-to-door visits to offer COVID-19 tests, grants, and Medicare prescription cards in exchange for personal and medical information.  This information can be used to bill federal health care programs fraudulently and commit medical identity theft.  

    To obtain up-to-date information about the COVID vaccine, visit one of the credible sources listed below.

    Federal Bureau of Investigation  
    Department of Health and Human Services Office of Inspector General  
    Center for Disease Control Facts About Vaccination
    Center for Disease Control 8 Things to Know About the U.S. Vaccination Program
    COVID-19 Vaccine in Massachusetts

    FRAUDULENT UNEMPLOYMENT CLAIMS AND FILING SCAMS
    As part of a national scheme, identity thieves have used stolen personal information to file fraudulent unemployment claims with the Massachusetts Department of Unemployment Assistance (DUA).  If you believe someone has applied for unemployment benefits using your personal information, call the DUA customer service department at 877-626-6800 or visit Mass.Gov to learn how to report the fraud and what to do to protect yourself. 
    Be wary of calls, texts, and emails from individuals that claim to represent the DUA and offer to assist with filing for benefits.  These are attempts to obtain a filing fee and/or personal information.  Avoid these scams, use the DUA site to apply for unemployment benefits. 
     
    IRS IMPOSTER SCAMS
    Taxpayers should be on the lookout for IRS impersonation calls, texts, and email phishing attempts.  The Internal Revenue Service (IRS) has issued warnings about coronavirus imposter scams related to stimulus checks, overdue payments, filing extensions, and other tax-related topics. These scams can lead to tax-related fraud and identity theft. 
      
    BOGUS COVID-19 PRODUCTS
    The Federal Trade Commission (FTC) and the U.S. Food & Drug Administration have posted consumer warnings about fake websites and phishing emails used to promote bogus COVID-19 products.  For advice on how to avoid coronavirus-related scams, visit the FTC's resource page. 
     
    CHARITY DONATION REQUESTS
    Do your research, don't rush into making a donation.  Some scammers use names that sound a lot like the names of real charities.  One reason it pays to do research before giving.  The FTC offers tips to help you plan your donation and avoid scams.
     
    TAX SCAMS AND ROBO CALLS
    Be wary of text messages, phone calls, and emails from the Center for Disease Control, World Health Organizations (WHO), U.S. Department of Health, or other government or health-related organizations that ask for account information or money.  Do not click on any links related to the virus.  For the latest COVID-19 Consumer Warnings and Safety Tips, visit the Federal Communications Center.  
  • 24-Hr Account Access

    Call 617-666-4700 if you have any questions or would like a Customer Service Representative to assist you with any of the following 24-hour account access services:

    Online & Mobile Banking

        ONLINE BANKING LOG IN       

        NEW USER REGISTRATION     

    Visit your App Store to download the official Middlesex Federal mobile app.  Click here to learn more about mobile check deposit.
        App-store2.jpg    Google-Play.jpg 

    24-Hour Automated Telephone Banking
    1-888-9MIDDLE  (1-888-964-3353)
    First-time users, enter the last four digits of your social security number, and the automated system will then prompt you to choose a PIN. 

    24-Hour ATMs
    Walk-up ATMs are available at our Davis, Teele, and Medford Square locations.  In addition to a Drive-thru Teller, the Teele Square office offers a Drive-up ATM.
     
    Use Your Debit Card to Access Cash
    Free ATMs - Always!
    Whether you use a Middlesex Federal ATM or another bank's ATM, we will not charge you a fee.  And, we'll reimburse any surcharge fees charged by other banks at the end of each statement cycle. 

    Request Cash Back
    Request cash back when using your debit card to make a purchase at participating retailers.
  • Stay Informed
  • Protect Your Privacy
  • Mobile Check Deposit FAQs

    1. How do I access Mobile Check Deposit?
      Mobile Check Deposit is available to Middlesex Federal Online Banking Users who download our mobile app. 

      If you already have the mobile app, simply Log In and click on the Mobile Deposit tab to use this feature. To register for Online Banking go to MiddlesexFederal.com. Once you are registered, visit your App store to download the Middlesex Federal mobile app.

      How do I make a deposit?
      1.) Use your smartphone or tablet to Log In to the Middlesex Federal mobile app and click on the Mobile Deposit tab.  2.)       Sign and write "For Mobile Deposit Only at MFS" on the back of all checks.  3.) Select the account that you would like the funds deposited into and enter the check amount.  4). Follow the prompts to take a picture of the front and back of the check.  5.) Click Make Deposit .  You will receive a confirmation message.  All check deposits are subject to verification.

      What types of checks can be deposited using Mobile Check Deposit?
      Most domestic checks (personal and business) made payable to you can be deposited. Money orders, cashier’s checks, or traveler’s checks, drawn on or payable at or through a United States bank can also be deposited using Mobile Check Deposit.

      What types of checks cannot be processed through Mobile Check Deposit?
      Third-party checks, checks containing alterations to any of the fields, international checks, and checks not payable in United States currency will not be accepted.  Confirmed check deposits are subject to further verification.  Middlesex Federal reserves the right to refuse a deposit for any reason. If your deposit was not accepted, an email notification will be sent to you within one business day.

      How should I endorse the check?
      Your signature and “For mobile deposit only at MFS.” is all you need to write on the back of the check. If the check is made payable to you and other individuals or entities, signatures from all parties listed on the check must be included.

      Is there a limit to the number of checks or the dollar amount that I can deposit?
      One check per deposit can be made, up to 15 checks per business day, and 100 checks per month. The maximum amount of a single check you can deposit is $2,500. The maximum amount per business day is $5,000. The maximum amount per month is $10,000.

      When can I make a mobile deposit to Middlesex Federal?
      Online Banking, Mobile Banking, and Mobile Check Deposit are available 24/7, including weekends and holidays except during routine maintenance downtime.

      What type of account can I deposit to?
      Middlesex Federal checking, money market, and savings accounts (statement, passbook, and club) accept mobile deposits. A drop down menu will include a list of accounts that are available to you. The total for each check must be deposited into one account. Online and Mobile Banking can be used to transfer funds from one account to another. Online transfers cannot be made from passbook, club, and CD accounts.

      How do I know that my deposit has been received and accepted?
      After you click on Make Deposit, a confirmation message stating that “Your check has been deposited.” will appear.  Confirmed check deposits are subject to verification. Middlesex Federal reserves the right to refuse a check deposit for any reason. If your deposit was not accepted, an email notification will be sent to you within one business day. 

      How soon will funds be available?
      Checks deposited by 3 pm on a business day and accepted will generally be available at 8 pm that same day.

      Checks deposited after 3 pm on a business day and accepted will generally be available at 8 pm on the next business day.

      Checks deposited on a non-business day and accepted will generally be available at 8 pm on the next business day.

      If your deposit was not accepted, an email notification will be sent to you within one business day. Business days are Monday through Friday excluding holidays.

      What should I do with the original paper checks after deposits are made?
      Keep the checks in a secure location for at least 14 calendar days. Destroy the checks after you have confirmed that the deposit has been credited to your account.

      Who do I contact if I have questions?
      Call 617-666-4700 to speak to a Customer Service Representative or send us an email.

Close