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Checking Accounts

Whether you're looking for a no-cost way to pay bills or a checking account that offers you more for your money, North Middlesex Savings Bank has an account that's a perfect fit. For current rates and account requirements, click here.

Simply Free Checking

The Simply Free Checking Account is exactly what the name implies: simply Free!

  • No monthly fee
  • NMSB assessed ATM fees waived
  • No minimum balance requirement

Easy Does It NOW Account

The Easy Does It NOW Account pays a market rate of interest and offers unlimited check writing with no monthly maintenance fee when a minimum balance of $500.00 is maintained.

Easy Start Student Checking

The Easy Start Student Checking account is offered to students age 17 to 22.

  • No minimum balance
  • No monthly maintenance
  • EasyLINK (Internet Banking) or EasyLINK with Bill Pay Free of Charge*
  • Free Telephone Transfers - Easy Info
  • First order of standard checks free
  • Free one-way parental transfers**
  • One-time refund of an unexpected service charge**

* You must be 18 years of age or older to qualify for the Bill pay service.

** Please see a customer service representative or call 978-772-3306 for further information.

Max Checking

MAX Checking is an account that pays a high rate of interest on balances from $10 to $24,999.99 when account requirements are met. In addition to the great rate, Max features:

  • NMSB assessed ATM fees waived
  • Foreign ATM fees** rebated
  • Free EasyLINK online banking and bill pay
  • Electronic statements

Please see NMSB's Deposit Rate Sheet for current rates and annual percentage yields. To earn the Maximum Rate and nationwide refund of ATM fees, the account must have the following activities during each eligibility cycle: 12 posted debit card purchases, (excluding ATMs), receive account statement electronically; access online banking once and receive a recurring direct deposit of a pension, payroll or government issued credit. Eligibility Cycle starts the day after the third Wednesday of each month and ends the day before the third Wednesday of the next month. Fees may reduce earnings. Monthly maintenance fee of $5.00 if average daily account balance falls below $500.00 anytime during eligibility cycle.

**NMSB assessed ATM fees are waived and NMSB will refund up to $5.00 in transaction fees when using another bank's ATM, each statement cycle, upon customer's request.