A Massachusetts-Exclusive Bank Bonus: $250 for Simple Debit Card Use

If you live in Massachusetts and don't mind using a debit card a few times, there's a straightforward $250 bonus waiting for you. Middlesex Savings Bank, a mutual bank with deep roots in the state, is running a promotion that's refreshingly simple compared to many others. There's no hefty direct deposit to arrange, just some everyday spending with your new card. Let's break down exactly what it takes to get that cash.

Why This Bonus Stands Out

In a world of bank bonuses that often demand setting up a large direct deposit or maintaining a high balance, this offer is notably low-friction. The requirement is purely transactional: just use your debit card as you normally would for small purchases. Think coffee, gas, or a grocery run. Do that eight times over two months, and the bonus is yours. The lack of a direct deposit mandate makes it accessible to students, freelancers, retirees, or anyone whose paycheck doesn't come from a traditional employer.

The Step-by-Step Path to $250

Getting this bonus is a clear, three-part process. First, you need to act before the deadline. Second, you must remember the magic words (or code, rather). Third, you just need to remember to use the card.

• Apply for a Freedom Blue Checking Account online or in a branch by October 31, 2025. You absolutely must provide the promotion code CHK250 during the application.
• Once your account is open and you have your debit card, start using it. Make at least eight separate purchases where you swipe, dip, or tap the card. Withdrawing cash at an ATM does not count.
• Ensure you've signed up for electronic statements (e-Statements). This is usually a simple toggle in your online banking settings.
• If all transactions post within your first 60 days, the bank will verify and deposit the $250 into your new account.

Important Fine Print and Practical Tips

The rules are simple, but you have to follow them to the letter. Here are the crucial details and some advice to ensure you succeed.

• The 365-day rule is strict. If you've had any personal checking account with Middlesex Savings Bank—whether it was just yours or a joint account—in the past year, you won't qualify. Check your records.
• Timing is everything. Your eight purchases must both occur AND fully post to your account within the 60-day window. Don't wait until day 59 to make your last few purchases, as pending transactions don't count.
• Keep records. Note down the dates and amounts of your first eight qualifying purchases. It's good to have your own log in case there's any question later.
• While the account itself has no monthly fee, note that to get reimbursements for out-of-network ATM fees, you'll need at least one direct deposit (or be under age 26). The bonus doesn't require it, but full account benefits might.
• This is a one-per-person offer and cannot be combined with other promotions from the bank.

Is This the Right Bank for You?

Middlesex Savings Bank is a mutual bank, meaning it's owned by its depositors rather than shareholders. This can sometimes translate to better customer service and a community focus, but it also means its physical reach is limited. You must be in Massachusetts to open this account, and you'll likely need to visit a branch to complete the process.

If you're not in Massachusetts, this offer is a non-starter. But if you are, and you've been looking for a simple, no-fee checking account with a nice cash incentive, it's a solid deal. Just be sure you're comfortable with a regional bank's footprint. For those who travel frequently or live part-time elsewhere, you might miss the nationwide branch and ATM network of a larger institution.

Bottom Line

• A $250 bonus for 8 debit card swipes is an excellent effort-to-reward ratio.
• The lack of a direct deposit requirement makes this one of the more accessible checking bonuses available.
• This is exclusively for Massachusetts residents without a recent Middlesex checking account.
• Mark your calendar for the 60-day deadline and the October 31st account opening cutoff.

Common Questions