Take advantage of our latest updates on Middlesex Savings Bank bonuses, promotions, and offers here.
Update 10/17/25: There is currently a $250 checking bonus valid through 11/30/25 and $50 referral bonuses available where the person referred can also earn a $200 checking bonus with no direct deposit requirement.
Middlesex Savings Bank Bonus Review
Established in 1835, Middlesex Savings Bank focuses on meeting the financial needs of their customers. Additionally, they have no shareholders since they are one of the biggest mutually owned banks in the country. Middlesex Savings Bank always puts their customer first and offers plenty of products to them as well.
I’ll review the Middlesex Savings Bank Checking account below.
Middlesex Savings Bank $250 Checking Bonus
What you’ll get: $250 Bonus- Eligible account: Freedom Platinum Checking Account
- Where it’s available: MA (Branch Locator)
- Credit Inquiry: Unknown
- Direct Deposit Required: No
- Monthly Fee: None
- How to earn it:
- Open a new Freedom Blue Checking Account by October 31, 2025. Enter promo code: CHK250.
- Use your debit card eight times within 60 days of account opening and enroll in e-Statements.
(Expires 11/30/2025)
| Bank of America Checking ($500 Bonus Offer) | KeyBank Checking ($300 bonus) |
| SoFi Checking & Savings Account ($325 bonus) | |
Fine Print
- All accounts are subject to approval. Middlesex Savings Bank will pay a $250 incentive to a customer for opening a new Freedom Blue Checking account. To be eligible, the individual must not have held a personal checking account at Middlesex Savings Bank within the 365 days prior to opening the new checking account regardless of whether an account was previously held individually or joint with others. Mention or enter offer and promo code listed at time of account opening. Promo code: CHK250.
- To qualify, the debit card(s) associated with the account must be used at least eight (8) times within the first sixty (60) days of account opening. Account must be enrolled in e-Statements. Transactions must post and clear within the 60-day timeframe to be counted. ATM transactions do not qualify. Following verification of debit card usage for qualifying accounts, $250 will be deposited into the checking account.
- Void where prohibited. All accounts are subject to standard account opening processes and standards, and such standards must be met for offer to be paid. Offer begins 9/1/2025 and offer expires 10/31/2025, however, Middlesex Savings Bank reserves the right to revoke this offer at any time. Limit one offer per checking account. Limit one offer per person. Cannot be combined with any other offers. Offer subject to applicable taxes. Subject to availability.
- Freedom Blue®: Open your account with as little as $1.00. All accounts subject to approval. At least one direct deposit is required to receive up to five domestic out-of-network ATM surcharge fee rebates per statement cycle. Account holders under age 26 get the same domestic ATM fee reimbursements without direct deposit.
- Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Middlesex Savings Bank $50 Referral Bonus
- What you’ll get: $50 Bonus
- Eligible account: Freedom Blue, Freedom Gold, Freedom Platinum Checking Account
- Where it’s available: MA
- Credit Inquiry: Unknown
- Direct Deposit Required: No
- Monthly Fee: Varies; see below
- How to earn it:
- Get a $50 Mastercard Reward Card when your referral registers, opens a new Middlesex Savings Bank checking account, and completes 8 debit card transactions (excluding ATM transactions) within 60 days of account opening.
- This offer is not available to customers who already have a Middlesex Savings Bank checking account (primary or joint owner).
- Once complete, your referral will earn a $200 Mastercard Reward Card. Please allow 4-6 weeks after completion of all requirements for delivery of the Mastercard Reward Card.
(Limited time offer)
| Bank of America Checking ($500 Bonus Offer) | KeyBank Checking ($300 bonus) |
| SoFi Checking & Savings Account ($325 bonus) | |
Fine Print
- Middlesex Referrer Customer: The person making the referral (Referrer) will earn a $50 Mastercard® Reward Card for each individual referred (Referred Person) to Middlesex Savings Bank who registers for the offer, opens a new Middlesex Savings Bank Freedom Blue®, Freedom Gold®, or Freedom Platinum® checking account, and completes the offer requirements stated below within the time specified in the offer. All account specific qualifications must be met in order to qualify for rewards. To make a referral, the Referrer must register for the program and share the offer with their friends, family, or coworkers.
- Maximum Reward: A Referrer may receive up to ten (10) Mastercard Reward Cards ($500 value) within a calendar year, but only one Referrer may receive a Mastercard Reward Card for each Referred Person who fulfills the requirements.
- Referred Persons: To earn a $200 Mastercard Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, open a new Middlesex Savings Bank Freedom Blue, Freedom Gold, or Freedom Platinum checking account, and complete eight (8) or more debit card purchase transactions within 60 days of account opening. ATM transactions do not qualify.
- Email Communications: The Referrer authorizes the sending of communications to each Referred Person. If the referred person has previously opted out of marketing material from Middlesex Savings Bank or ReferLive, the email may not be delivered.” Each person who registers at ReferLive authorizes future communications including emails regarding the program unless they “opt out” by making an election at ReferLive or within such email.
- Eligibility and Exclusions: All accounts are subject to approval. Debit transactions must post and clear within 60-days of account opening to be counted. To be eligible, the Referred Person must not have held a personal checking account at Middlesex Savings Bank within the 90 days prior to opening the new checking account regardless of whether an account was previously held individually or joint with others. This offer cannot be combined with any other offers. Must be 16 years of age or older to participate in the referral program.
- Checking Account Information: Freedom Blue®: Minimum of $1.00 to open account. Freedom Gold®: Open your account with as little as $1.00. Monthly maintenance charge of $19 is waived if your combined balances are $10,000 or more. Combined balances are average monthly balances in all deposit accounts plus all outstanding portfolio loan balances. Freedom Platinum®: Open your account with as little as $1.00. Monthly maintenance charge of $29 is waived if your combined balances are $50,000 or more. Combined balances are average monthly balances in all deposit accounts plus all outstanding portfolio loan balances. See the Consumer Fee Schedule for additional information.
- Mastercard Reward Card: Please allow 4-6 weeks after completion of all requirements for delivery of the Mastercard Reward Card. The Mastercard Reward Card will be delivered by mail to the referrer’s and referred person’s address of record at the Bank. The Mastercard Reward Cards are subject to Terms and Conditions delivered with the card. Rewards Cards may be subject to local, state, or federal taxes. Mastercard is a registered trademark of Mastercard, Inc. Mastercard is not a participant or sponsor of this promotion.
- Middlesex Savings Bank reserves the right to revoke this offer at any time. Void where prohibited.
Middlesex Savings Bank $300 Checking Bonus (Expired)
To earn this great bonus offer, just open a new checking account and meet all of their requirements. Then, you’ll be able to start maximizing your savings in no time.
- What you’ll get: $300 Bonus
- Eligible account: Freedom Platinum Checking Account
- Where it’s available: MA (Branch Locator)
- Credit Inquiry: Unknown
- Direct Deposit Required: No
- Monthly Fee: $29; waivable
- How to earn it:
- Open a new Freedom Checking account.
- Mention or enter offer and promo code listed at time of account opening. Promo code: FP300
- To qualify, the debit card(s) associated with the account must be used at least eight (8) times within the first sixty (60) days of account opening.
(Expires 06/30/2024)
| Bank of America Checking ($500 Bonus Offer) | KeyBank Checking ($300 bonus) |
| SoFi Checking & Savings Account ($325 bonus) | |
Fine Print
- All accounts are subject to approval.
- Middlesex Savings Bank will pay a $300 incentive to a customer for opening a new Freedom Platinum Checking account.
- To be eligible, the individual must not have held a personal checking account at Middlesex Savings Bank within the 365 days prior to opening the new checking account regardless of whether an account was previously held individually or joint with others.
- Mention or enter offer and promo code listed at time of account opening. Promo code: FP300.
- To qualify, the debit card(s) associated with the account must be used at least eight (8) times within the first sixty (60) days of account opening.
- Transactions must post and clear within the 60-day timeframe to be counted.
- ATM transactions do not qualify.
- Following verification of debit card usage for qualifying accounts, $300 will be deposited into the accompanying savings account.
- If a savings account does not exist a check will be mailed to the primary account holders mailing address on file.
- Void where prohibited.
- All accounts are subject to standard account opening processes and standards, and such standards must be met for offer to be paid.
- Offer expires 6/30/2024, however, Middlesex Savings Bank reserves the right to revoke this offer at any time.
- Limit one offer per checking account.
- Limit one offer per person. Cannot be combined with any other offers.
- Offer subject to applicable taxes. Subject to availability.
How To Waive Monthly Fees
- Freedom Blue Checking: None
- Freedom Gold Checking: $19 monthly fee waived with $10,000 combined balance in Middlesex deposit and loan accounts
- Freedom Platinum Checking: $29 monthly fee waived with combined $50,000 balance in Middlesex deposit and loan accounts
- Student Checking: None
- Military Checking: No minimum balance requirements or monthly maintenance fees on personal checking accounts opened prior to active duty while you’re away
- Basic Money Fund: None
- Business Blue Checking: None
- Business Gold Checking: $20 monthly maintenance charge is waived with a combined average monthly balance of at least $10,000 in your Middlesex Savings Bank checking, savings, money fund, CD and loan accounts
- Business Plus Checking: Can be waived with Cash Management services
- Business Blue Checking: $15 monthly maintenance charge waived with a $1,000 average monthly balance
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Conclusion
Now, when you open a new Checking account with Middlesex Savings Bank, you’ll be able to earn their great bonus offer today! Plus, this offer comes with a Spotify Premium account for a whole year! However, if you don’t reside in Massachusetts, check out other offers below.
I would check out a list of our Savings, Money Market, and CD Rates to find other generous promotions you can utilize.
If you are not eligible for these promotions, use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.
Furthermore feel free to comment on this post with any questions you may have about Middlesex Savings Bank, their accounts they offer, or any experiences you have had!
Lastly, check back often for more Middlesex Savings Bank Bonuses, Promotions, or Offers!
