No Fee Checking | No Minimum Balance | Free ATM Access | Zero Liability Debit Card | Online and Mobile Banking
Middlesex Federal, your local Massachusetts bank, offers more ways to bank online or in the square. Open a Simply FREE checking account, receive an instant issue debit card, and earn $150 just for using it!


Open Account
Open a Simply eFREE checking account completely online.


Request Debit Card
When you open your account online don't forget to request your debit card!


Use Debit Card - Get $150
Start using the debit card and we'll pay you $150 after 15 debit card transactions!*
Start Your Online Account Application below to Claim Your $150
A better banking experience is waiting for you.
If you prefer, visit us in the square and claim your $150 there!

Walk-up ATM available.
One College Avenue
Somerville, MA 02144
617-666-4700

Walk-up ATM, Drive-up ATM,
and Drive-thru Teller available.
1196 Broadway
Somerville, MA 02144
617-315-1580

Walk-up ATM available.
53 Riverside Avenue
Medford, MA 02155
617-315-1677
"The staff is extremely nice and friendly and always helpful, managers are available to help when something special is needed (like a new debit card, issued while I waited, and they wouldn't let me leave until I had checked that it worked correctly in the ATM), the website meets all my needs (bill paying, transferring within and outside the bank).
So yes, it's 5 stars in my opinion."
- Robert P.
"The personal service and connection here is far beyond what you'll get at... If you're looking for service and value, go no further. I'd rather do my banking with people who know me, value my business, and provide prompt, professional service when I need it."
- Stroker R.
"This is the best bank. All the people who work here are awesome they make you feel good every time you walk in. Keep up the good work."
- Charles Z.
"I'd never set foot in the bank before, but it was just like a few friends gathering around to help me out. You will not find this type of customer service at a big name bank! If you're looking to bank somewhere that's rooted in and cares about the community, you should check it out."
- Dennis P.

Johnathan R. Tortora
Davis Square Manager
617-666-4700

Sylvana M. Sabatino
Teele Square Manager
617-315-1580

Cheryl A. Staude
Medford Square Manager
617-315-1677
Additional Resources to Help With Your Personal Finances

FREE Budgeting Template
Fill out the quick form below to download our monthly budgeting template that will help you save a lot and plan for your future!
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*$150 Simply eFREE 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 3-5 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.
*$150 In Branch Offer:* Open a NEW Simply Free Checking (offer does not apply to Simply eFree Checking accounts opened online) at any Middlesex Federal (MFS) branch, receive an MFS instant issue debit card, and we'll pay you a $25 to download our mobile app and another $25 to add your MFS debit card to your digital wallet. Payment will be in the form of an MFS check which must be deposited upon receipt into a new MFS Simply Free Checking using MFS mobile check deposit. Middlesex Federal Online Banking registration and mobile app download are required. 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 $100 on the last day of the fourth statement cycle.
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.