IMO everyone should consider using a credit union rather than a bank -
lower or no fees, lower penalties and charges, better service,  etc.

There are a number of excellent ones in the area and they use convenient
ATM networks with no fees.

-Bob

On Saturday, November 8, 2025, nbergen--- via Lincoln <
[email protected]> wrote:

> I also use Middlesex Saving Bank and have for years. They are small and
>             personable and I love it.
>
> Nan B.
> ------------------------------
> *From:* Lincoln <[email protected]> on behalf of Anna
> Lombroso <[email protected]>
> *Sent:* Saturday, November 8, 2025 11:07 AM
> *To:* Anne Sobol <[email protected]>
> *Cc:* [email protected] <[email protected]>
> *Subject:* Re: [LincolnTalk] Replacing the Bank of America
>
> Another very satisfied Middlesex Savings Bank customer here, for 30 years.
> Close branches in Wayland, W. Concord, Concord and Sudbury.
> ACL
>
> Sent from my iPad
>
> On Nov 8, 2025, at 10:31 AM, Anne Sobol <[email protected]> wrote:
>
> 
> I also use Middlesex Savings Bank, it has lots of branches, and it is a
> small bank which doesn't lend to fossil fuel projects, I think it mostly
> lends for residential mortgages.
>
> On Fri, Nov 7, 2025 at 4:38 PM Jeff Eaton via Lincoln <
> [email protected]> wrote:
>
>
> Hello Steve-
>
> For what it's worth, I have been a customer of the Middlesex Savings Bank
> (nee "Middlesex Institution for Savings") for over sixty years.  Likely
> that's more akin to an indication of inertia, but when I've needed their
> services they have done well.   I also have maintained a Safe Deposit Box
> with them for all these years... at their Main Street building, Concord
> Village.
>
> ---  Jeff
>
> Jeff Eaton
> 8 Storey Drive
> Lincoln MA 01773-2109
>
> Covid booster: October 17, 2025
>
> cell: (781) 686-8120
> Land line: (781) 259-0321
> Permanent email address:
> [email protected]
>
> *       We are on a highway to climate hell ... with our foot still on the
> accelerator.”*
>
> *                                               - António Guterres,
> 11-7-2022*
>
>
>
> In a message dated 11/7/2025 3:17:33 PM Eastern Standard Time,
> [email protected] writes:
>
>
> *Many of us have been notified of the BofA’s plans to leave Lincoln.*
>
>
>
> *For some of us, it’s good riddance! Terrible hours, horrible customer
> service (I was on hold for 40 minutes today waiting to ask a simple
> question of the BofA’s national customer service team), interest rates on
> deposits that sucked, and fees charged to customers that  “blew”  (the
> opposite of sucked when money flows in the opposite direction!).*
>
>
>
> *Obviously, the Rural Land Foundation will be working hard to find a new
> bank, a better bank—one that is not just “here,” but one that is here for
> its customers.*
>
>
>
> *Right now, there is one thing that all current customers of the Lincoln
> BofA branch can do to help the RLF attract a top-notch replacement: We can
> continue to rely on Lincoln’s BofA branch for safe deposit box services.
> Think of that not as maintaining a relationship with the BofA, but rather a
> relationship with the Lincoln Mall and the replacement bank that the RLF
> secures.*
>
>
>
> *In evaluating the desirability of establishing a new branch in Lincoln,
> the existence of our large safe deposit box base will be an important
> inducement to open a branch here because it means not building a customer
> base from scratch.*
>
>
>
> *For Lincolnites, maintaining a safe deposit box in Lincoln will be an
> inducement to keep the rest of our banking business in Lincoln, and that
> will help our new bank to succeed here.*
>
>
>
> Regards,
> Steve Low
>
>
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