Middlesex Federal

Coronavirus Information

Your Health and Safety is Our First Priority

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

  • For the health and safety of our customers and employees, our branch lobbies are temporarily closed to the public.  While our Teele Square Drive-thru Teller remains open for business, 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.
     
  • The IRS Economic Impact Payments, also referred to as stimulus checks from the Federal government, began being direct deposited into consumer accounts mid-April.  For most taxpayers, these payments will be automatic.  Direct deposits will occur for social security recipients or tax filers who had their return direct deposited to an account. Please visit the IRS website for the most up-to-date information for eligibility and payment details and to update your information on file with the IRS.  If the bank routing number and your account number are incorrect, the direct deposit cannot be processed and will be returned. 
     
  • We're here to help.  If you have any questions or would like to schedule an appointment to access your safe deposit box or have another request, 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

  • 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.

  • eStatement Enrollment
    1. Check your inbox, not your mailbox.  Enroll in eStatements today.
      View or download current or past deposit statements and loan bills whenever you need to reference them. They can't be misplaced, lost, or intercepted in the mail.  Each month, we'll send an alert letting you know when your statement is available.  All you need to do is enroll.

      It's Free:
        All you have to do is enroll.

      It's Fast:  eStatements offer instant and secure access to the same information included in your paper deposit statement and loan bill.  Each month, we'll send an email alert letting you know it is available. 

      It's Paperless:  Go green.  View or download current or past deposit statements and loan bills whenever you need to reference them.  They can't be misplaced, lost, or intercepted in the mail.

      Enroll today for faster, secure, online statement access.  


      Already an Online Banking  Customer 
      1) Log In and click on the eDocuments tab.
      2) Click "View eDocuments" to review the online agreement.
      3) At the bottom of the agreement, there will be a confirmation number.  Enter the confirmation number where prompted and click "Accept". DO NOT copy and paste this number.

      Register for Online Banking and Enroll
      1) Click here to access the Online Banking New User Registration form.
      2) Review and "Accept" the online agreements.
      3) Complete the Registration Form and click "Submit"
      4) Within Online Banking, click on the eDocuments tab.
      5) Click "View eDocuments" to review the online agreement.
      6) At the bottom of the agreement, there will be a confirmation number.  Enter the confirmation number where prompted and click "Accept".  DO NOT copy and paste this number.

      We're Here To Help! 
      Questions, or to request Online Banking registration or eStatement enrollment assistance, send us an email or call us at 617-666-4700. 

      Online Banking registration required for eStatement enrollment.  Access currently not available on mobile app.
      eStatement enrollment may differ for business customers.  Contact a Customer Service Representative for assistance. 
  • March 17, 2020 Update - Modifying Service at Our Branches

    To protect the health and safety of our customers and employees, we are modifying service at our branches. Beginning Wednesday, March 18, our branch lobbies will be closed to the public, and all customer transactions will take place through our Teele Square Drive-thru Teller Window. We will remain available by phone, online and through our mobile app.

    If you need to meet with us, whether it is for customer service, a safe deposit box, or a loan, please call us at 617-666-4700 or email us to make an appointment.

    In addition, you can:

    • Access a Middlesex Federal ATM, 24 hours a day.
       
    • Call 1-888-9MIDDLE (1-888-964-3353) for account access. 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.
       
    • Use your Middlesex Federal debit card to access cash at any ATM or request cash back when using your debit card to make a purchase at participating retailers.

    We are making these changes based on the latest updates from public health officials, and we are continuing to monitor this evolving situation. We will provide updates by email and on our website as they become available.

    We appreciate your patience in these challenging times.

  • March 13, 2020 Update - What Middlesex Federal is doing to keep our customers and employees safe.
    The health and safety of our customers and employees is our first priority.  Amid ongoing concerns about the Coronavirus (COVID-19), Middlesex Federal is closely monitoring several sources of information such as the Massachusetts Department of Public Health (MADPH) and the Centers for Disease Control (CDC).  The Bank has taken a number of precautionary measures to keep our customers and employees safe.
     
    Disinfecting Our Workplace
    Our lobbies, offices, and ATMs are thoroughly disinfected each day by a professional cleaning service.  In addition, our staff will clean public areas multiple times throughout the day.  Hand sanitizers and disinfectant wipes are available in each branch.
     
    Employees have been reminded to take preventative steps recommended by health care providers.  Those that are not feeling well have been asked to stay home until fully recovered and to consult with their health care provider.  The Bank has made a temporary change to its sick time policy so employees do not feel compelled to come to work if they experience any sign of illness. 
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