• Log in to Online Banking, click on Service Center to place a stop payment.
• Call our automated telephone banking system at 1-888-415-9901.
• Speak with a personal banker at any of our branch locations.

A stop payment fee of $20 applies, and a signature is required for all telephone and in person stop payments. The stop payment is valid for six months.

For checking accounts:
You must be 18 years or older to open a checking account. Those 16 or 17 years old may open an account if a parent or guardian is a joint owner on the account.

For savings accounts:
You must be 16 years or older to open a savings account. MutualOne Bank offers KIDZ savings accounts and custodian accounts (UTMA accounts).

For ATM/Debit cards:
You must be 18 years or older to apply for an ATM or debit card. Those 16 or 17 years old may apply for an ATM or debit card if a parent or guardian is a joint owner on the account.

Some restrictions may apply to these guidelines.

• Your account number
• Bank’s routing number (211371816)
• Type of account (checking or savings)
• Bank’s name and address:

MutualOne Bank 828 Concord Street Framingham, MA 01701

You will need to complete a Lost Passbook affidavit, which must be notarized if you are not completing it in person at one of our branch locations. Once this is received and reviewed, the passbook account will be closed and either reopened with a new number or the funds will be disbursed. A $4.00 fee for a lost passbook will apply.

MutualOne Bank customers may exchange a minimum of $100 of foreign currency. The credit takes approximately 5 business days. Our customers may also purchase foreign currency by placing an order in person at one of our branches.

You must activate your new ATM or debit card before you can make a transaction. For the activation you will need your new card and your auto-generated PIN which should have received separately after you received the card. You can activate your new card in two ways:

• Call 1-800-448-8268, 24/7
• Perform a balance inquiry using your new card and PIN at one of our ATMs, 24/7.
• Speak with a Personal Banker at one of our branches.

You can change the PIN on your existing card in three ways:

• Call 1-800-448-8268, 24/7
• At one of our ATMs, 24/7.
• Speak with a Personal Banker at one of our branches.

If you forgot your PIN, you must come in to one of our branch locations to have your PIN reset.

If your ATM or debit card is lost or stolen, please call (800) 264-5578, 24 hours a day, 7 days a week. You may also temporarily deactivate your card by logging in to your Online Banking and clicking on Deactivate/Reactivate My Card, under Service Center.

If you have Online Banking, simply log on, click on Service Center and select Apply for a New ATM/Debit Card. Complete the form and click submit. You can always stop by one of our branch locations and speak with a Personal Banker about ordering a new card.

Our fraud prevention system uses geography as one factor when looking for potential fraud. In order to allow the use your MutualOne Bank debit card outside of the United States you must notify us of your travel plans*:

• Log in to Online Banking, click on Service Center and select Notify MutualOne Bank of My Travel Plans
• Call Client Services at 508-820-4000
• Visit one of our branch locations.

*Keep in mind that your MutualOne Bank debit card has daily transaction limits. Also, it is advised that you bring an alternative form of payment while traveling. MutualOne Bank cannot guarantee that all requests will be accepted due to government and MasterCard Restrictions.  

There are four easy ways to change your address.

1. Log in to Online Banking, then visit our Service Center to submit a change of address.
2. Complete the Change of Address form. Sign and mail it or drop it off at one of the branches.
3. Mail a signed letter informing the bank of your new address with your new phone number and email address.
4. Stop by and speak with a personal banker.

Please remember we are required to have your residential address on file, even if your mailing address if different.

At MutualOne Bank, our overdraft protection plan is called Overdraft Privilege. It provides a safety net in the event there are not enough funds in your checking account at the time of a withdrawal. Rather than automatically returning unpaid all insufficient funds items, we will consider, without obligation on our part, payment of your reasonable overdrafts created by checks, ACH, or in-person (teller) withdrawals up to your assigned Overdraft Privilege limit. With some exceptions, most of our checking account types are eligible for this service.

You do not have to apply for this service when you first open your account, and you do not need to sign any additional documents. There is no fee to add Overdraft Privilege to an account and no fee if you never use it. If we authorize a transaction that causes your account to fall into a negative balance you will incur our normal overdraft fee of up to $29.

If you would like to have Overdraft Privilege reinstated, please contact Client Services at 508-820-4000 or stop by one of our branches.

If you would like to extend Overdraft Privilege to your debit card, you must opt in to that service by completing our Opt-In form and mailing it back to us or dropping it off at any of our branch locations. Please note that, if you opt in, your debit card will work as it currently does. If we authorize a reasonable debit card transaction (including ATM transactions) that causes your account to fall into a negative balance you will incur our normal overdraft fee of up to $29.

MutualOne Bank offers the option of a Draw Account, as an alternative to Overdraft Privilege. You may link another MutualOne Bank account (Checking or Statement Savings) to your checking account, from which we will automatically draw funds to cover a check, withdrawal or automatic payment avoiding a negative balance. An Overdraft Protection Transfer fee will be charged at the end of the day of the overdraft transfer and it covers all transfers occurred in single day. Some restrictions do apply to the number of transfers allowed in a statement period. Click here to download our Automatic Transfer Authorization Form.