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

Open Account 

Open a Simply eFREE checking account completely online. 

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A young lady with Middlesex Federal Debit Card

Request Debit Card

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

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A Lady Shopping at Store with Middlesex Federal 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


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!


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Data charges may apply when using a mobile device.

$150 Simply eFREE Online Offer:  Open a NEW Middlesex Federal (MFS) Simply eFREE Checking online at  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.

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.