We have been using DCU—Digital Federal Credit Union—for many years.

> On Nov 8, 2025, at 1:22 PM, Bob Kupperstein <[email protected]> wrote:
> 
> 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] <mailto:[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] 
>> <mailto:[email protected]>> on behalf of Anna Lombroso 
>> <[email protected] <mailto:[email protected]>>
>> Sent: Saturday, November 8, 2025 11:07 AM
>> To: Anne Sobol <[email protected] <mailto:[email protected]>>
>> Cc: [email protected] <mailto:[email protected]> 
>> <[email protected] <mailto:[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] 
>>> <mailto:[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] <mailto:[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] <mailto:[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] <mailto:[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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