Personal Checking

Personal Checking Accounts

Types of Checking Accounts

Benefits Plus® Ultimate Checking

Non-Interest bearing checking account combining a robust savings and rewards program with comprehensive identity theft protection.

Prestige Checking

Interest bearing checking account for customers with high deposit or loan balances. The checking account with the most benefits.

Prime Checking

Non-interest bearing checking account with no minimum balance requirement. A simple and affordable checking account with all the basic features.

Essential Checking

Basic Checking Account with electronic access. A flat fee is charged each month.

All Checking Accounts at The Milford Bank feature:

Access to over 55,000 surcharge free Allpoint ATMs worldwide
Seven day banking
No monthly bank fee for Visa debit card
UChoose Debit Card rewards program
No bank fees for mobile banking
Free online banking with bill pay
P2P payments with Zelle®
Free 24 hour telephone banking
Free newsletters and email offers
Free online learning center
Great customer service
Six local offices

Benefits plus Ultimate Checking

Benefits Plus® Ultimate Checking offers discounts on travel, restaurants, gift cards, concerts and more, while adding the safety and security of Ultimate ID^®. Click here to estimate how much you can save.

FEATURES OF BENEFITS PLUS^®:

Full Service Concierge Travel Service with Cash Back Rewards
TicketXpress™
Local Discounts With SavingsXpress®
Cash Back Rewards Featuring Rakuten®
National Retail & Restaurant Discounts
Discounted 24-Hour Emergency Road Service
Gas & Grocery Discounts
Discounted Pet Health Insurance
Health & Wellness Savings
Wholesale Club Membership Savings
Gift Card Discounts

Features of Ultimate ID^®:

3-Bureau Daily Credit Monitoring
Dark Web Internet Monitoring
Credential Vault
Instant Inquiry Alert
Score Tracker
Access to 3G Fully Managed Identity Fraud Research, Remediation and Recovery Services
Lost Document Replacement Services

*An activation code is required to access Ultimate ID®. The Activation code will be sent to the email address on file. Credit Monitoring does not begin until you have successfull
validated your identity to complete the activation process. Certain restrictions and limitations apply. Visit ultimateID.merchantsinfo.com for complete Terms and Conditions and program eligibility. Please refer to your summary of benefits for program specific information.

Benefits Plus® Ultimate Checking featuring ULTIMATE ID® and Cellular Care Coverage is $5.00 per Month

Prestige Checking

Interest bearing checking account for customers with high deposit or loan balances. The checking account with the most benefits.

Balance Requirement:
Combined deposit balances of $10,000 or outstanding loan balances of $75,000

Service Charge:
$20 monthly fee is waived if one of the requirements described above is met

Get all the features of Benefits Plus® Ultimate Checking and Ultimate ID^®, and:

Premium interest compounded and paid monthly
Unlimited free non-Milford Bank ATM withdrawals (other banks may impose a surcharge)
No monthly fee for Visa Debit card
One free money order or bank check per day
No fee incoming wire transfers
First overdraft fee waived
Eligible for CD specials
50% off safe deposit rentals

Prime Checking

Non-interest bearing checking account with no minimum balance requirement. The perfect fit for many customers. A simple and affordable checking account with all the basic features.

Balance Requirement:
$10 monthly fee waived if at least one of these conditions is met:

One direct deposit per month
Enrollment in eStatements
Full-time college student (up to four years)
65+ years of age

Essential Checking

Non-Interest bearing checking account for customers who do not want all the bells and whistles.

Balance Requirement:
No balance requirement

Service Charge:
$10 monthly fee

Account Details:

Non-Interest Bearing
No Check-Writing. Customers may access funds electronically
No monthly fee for for Visa Debit card

In addition to Checking Accounts we also offer CDs, regular savings and other investment opportunities.