No Fee Checking   |   No Minimum Balance   |   Free ATM Access  |   Bank From Anywhere

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!
It is as simple as 1, 2, 3!
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Young couple visiting Middlesex Federal at the Square

Stop By & Open Account

Visit us in the square and open a Simply FREE checking account and receive an instant issue debit card.*

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A young lady with Middlesex Federal Debit Card

Go Digital To Get $50

Add your debit card to your digital wallet and download our mobile app, and we'll give you $50 on the spot!*

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A Lady Shopping at Store with Middlesex Federal Debit Card

Use Debit Card To Get $100

Start using the debit card with your everyday purchases. We'll pay you $100 with 15 debit card transactions!*  

Claim Your Offer for $150 Now!

Complete and submit the quick form below and we'll email you information on how easy it is to earn $150.

Choose the branch most convenient for you:


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


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


Walk-up ATM available.
53 Riverside Avenue
Medford, MA 02155


Johnathan R. Tortora
Davis Square Manager



Sylvana M. Sabatino
Teele Square Manager



Cheryl A. Staude
Medford Square Manager


Budgeting Template on Mobile Device

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!


Blog Resources You May Be Interested In:

Data charges may apply when using a mobile device.

*We'll Pay You $150: Open a 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 $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.  

Simply Free Checking:  No minimum balance.  No monthly fee.  Only $50 minimum to open.

Free ATMs: Simply Free (includes Student account) and President's Choice checking customers will not be charged for using another bank's ATM. And, at the end of each statement cycle, we'll automatically reimburse any surcharge fees other banks may charge.