10 Best Banks in New Hampshire for 2025

You can earn up to 3.80% APY on savings and 0.50% on checking balances, with no monthly fees.

New customers can also earn a bonus between $50 and $300, depending on their direct deposit amount.

Early direct deposit lets you access your paycheck up to two days early, and SoFi provides up to $50 in fee-free overdraft protection for eligible accounts.

Funds are FDIC-insured up to $2 million. You’ll also have access to more than 55,000 fee-free ATMs through the Allpoint® Network, making SoFi a strong choice for anyone who prefers online banking with high rewards.

With extended business hours and a total of over 1,100 branches along the East Coast, it’s a convenient option for those who prefer in-person banking.

One standout feature is TD Bank’s quick debit card replacement. If you lose your card, many branches can issue a new one by the next day, and some even offer curbside pickup.

New customers can earn a $200 bonus by opening a checking account and setting up a qualifying direct deposit. The $15 monthly maintenance fee can be waived by keeping a $100 minimum daily balance.

TD Bank combines nationwide reach with local accessibility, making it a solid choice for New Hampshire residents who want full-service banking and reliable branch support.

The Rewards Checking Plus account requires no minimum deposit and has no monthly fees, overdraft fees, or transfer fees.

Customers benefit from up to 2% cash back on everyday debit card purchases and can access their paychecks up to 2 days early with direct deposit.

Additionally, the Upgrade Premier Savings account, offered through Cross River Bank, Member FDIC, allows you to earn up to 4.02% APY on balances of $1,000 or more. Your funds are FDIC-insured up to $1 million.

With more than 1,000 branches and 3,000 ATMs across the Northeast, it’s especially convenient for those who also travel to nearby states.

The bank offers a full lineup of services, including checking, savings, money market accounts, credit cards, home loans, and student loans.

You can avoid the monthly fee on checking by setting up at least one direct deposit per month.

Citizens also helps customers avoid overdraft fees and offers early access to paychecks through its Citizens Paid Early™ feature, which delivers direct deposits up to two days early—automatically and at no extra cost.

With strong local access and a wide range of products, Citizens Bank is a solid choice for everyday banking in New Hampshire.

This credit union is open to anyone who resides, is employed, attends school, or worships in New Hampshire or York County, Maine.

Holy Rosary is notable for its competitive interest rates on personal loans and mortgages, which can help you save on significant purchases if you have deposit accounts here.

While it offers strong rates on savings accounts and CDs, its rates on money market accounts and IRAs are less competitive.

To top it off, Holy Rosary provides access to over 30,000 ATMs nationwide, giving you the convenience you need for cash withdrawals.

Its user-friendly app streamlines tasks like depositing checks via mobile, paying bills, and transferring money between accounts.

Bank of America offers several checking accounts, including some that allow you to waive the monthly fee. While the bank does charge an overdraft fee, it has been reduced from $35 to $10 per occurrence.

The bank also offers an option called Balance Connect, which automatically shifts money from your other Bank of America accounts to cover overdrafts.

Some additional advantages include competitive rates on CDs and a wide range of mobile banking services.

If you become a Preferred Rewards member, you’ll have access to a host of additional rewards and perks, making your banking experience even more advantageous.

With 21 branch locations, the bank also provides fee-free withdrawals at any Allpoint ATM across the country.

The bank shines in delivering personal banking services and offers various checking account choices. One of these options allows you to avoid monthly fees as long as you make at least one qualifying deposit each month.

Additional benefits include the waiving of monthly maintenance fees on checking accounts if you set up a direct deposit or make at least one mobile check deposit.

You’ll also enjoy fee-free access to cash at 55,000 Allpoint ATMs nationwide, and competitive rates on CDs. This makes Bank of New Hampshire a strong choice for those who prefer a blend of traditional and modern banking services.

You can also access branch services while traveling outside your home area through the same network; just use their branch locator tool to find one near you.

Membership is somewhat restricted, open only to individuals who work for certain employers or live in communities on a pre-approved list. You can also qualify if you have a family member who lives or works in the service area.

Despite these limitations, Digital Federal Credit Union provides an array of quality financial products and a comprehensive suite of mobile services, making it comparable to many online banks in terms of value.

Some of the highlights include a fee-free checking account that pays interest on balances, higher rates on savings accounts than many other financial institutions, and competitive rates on loans.

One of its standout features is the Rewards Checking, which allows you to earn points on your debit card purchases.

A limitation of Enterprise Bank is its restricted ATM network. If you often find yourself outside of New Hampshire and Maine, you might want a bank account that offers reimbursement for third-party ATM fees.

Their basic checking account option allows for up to $5 in monthly ATM fees to be refunded, provided you maintain a minimum daily balance of $250.

Additional benefits include various features tailored for small business banking, as well as wealth management services. The monthly maintenance fee is also waived if you make at least one deposit each month. To get started, all you need is a minimum deposit of $50.

If you’re a small business owner, M&T Bank could be especially appealing due to its extensive range of business-focused services.

Their business credit cards offer rewards on purchases, and they also provide an array of loan options and cash management solutions.

Additional perks include competitive interest rates on CDs, credit cards that earn rewards for both personal and business expenses, and a comprehensive suite of business banking services.

All of these features make M&T Bank a strong contender for anyone in the Granite State looking for a blend of traditional and specialized banking services.