Crediful is committed to helping you make smarter financial decisions by presenting you with the best information possible. We’re able to offer this content free of charge because some of the companies featured on our site compensate us.
Compensation may influence how and where products appear, including their order in listing categories.
While we don’t feature every company, financial product, or offer available, the information, reviews, and tools you’ll find on Crediful are based on independent research. Our top priority is you—our reader. We never recommend a product or service we wouldn’t use ourselves.
New Hampshire might be known for its scenic hikes, tax-free shopping, and first-in-the-nation primary, but it’s also home to a strong mix of national banks, local credit unions, and online banking options. Whether you’re living in a small town or a larger city like Manchester or Nashua, having the right bank can make a big difference.
The best choice depends on how you manage your money. Some people want low-fee checking or high-yield savings, while others prioritize branch access or top-rated mobile apps. Luckily, New Hampshire has options for all of it.
10 Best Banks in New Hampshire
The best banks in New Hampshire combine low fees, solid digital tools, and strong customer service. We’ve rounded up the top options to help you find a bank that fits your needs.
Current gives New Hampshire residents a modern way to manage money without the fees or branch lines.
Its checking account has no monthly fees, no overdraft fees, and no minimum balance.
You can get paid up to two days early with direct deposit and access over 40,000 fee-free ATMs nationwide. Current also offers a high-yield savings pod that earns up to 4.00% APY on balances up to $6,000.
The standout feature is the Current Build Card, which helps you build credit using your own money—no interest or credit check required.
It’s a simple, flexible option for anyone who wants to boost their score while staying in control.
TD Bank has a strong presence in New Hampshire, with 55 branches across the state in cities like Concord, Dover, Manchester, Nashua, and Portsmouth.
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.
SoFi is an online bank known for its high-yield Checking & Savings accounts.
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.
Citizens Bank is a well-established option for New Hampshire residents, with branches in cities like Concord, Dover, Manchester, Nashua, and Portsmouth.
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.
If you’re exploring banking options in New Hampshire, credit unions like Holy Rosary Credit Union should be on your list.
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.
Having served communities in New Hampshire and Southern Maine for nearly 200 years, the Bank of New Hampshire offers the familiarity and support of a local institution.
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.
Serving the states of New Hampshire and Massachusetts, Digital Federal Credit Union offers several financial benefits, including fee-free withdrawals at Co-Op ATMs across the country.
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.
Enterprise Bank is a local bank headquartered in Massachusetts, but it also serves the New Hampshire area. It offers a range of accounts, including checking accounts with fees that can easily be waived.
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.
After acquiring People’s United Bank in 2021, M&T Bank has become a prominent banking option in New Hampshire, boasting 30 branches across the state. The bank offers various checking accounts, one of which has no monthly fees.
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.
How to Choose the Best Bank in New Hampshire
Choosing the right bank depends on how you manage your money. The best banks in New Hampshire offer a range of services, but the right fit will come down to your personal needs. Here are the key factors to consider:
Location and accessibility: If you prefer in-person banking, look for branches and ATMs near your home, work, or regular stops. Some banks offer extended hours, while others focus more on digital access.
Account types and fees: Review what each bank offers—checking, savings, CDs, money market accounts, and more. Compare monthly fees, overdraft charges, and ATM fees. Many banks offer ways to waive fees with direct deposits or balance minimums.
Interest rates: Check the APY on savings accounts, checking accounts, and CDs. Some banks offer higher rates if you meet certain conditions, like maintaining a minimum balance or setting up direct deposit.
Online and mobile tools: A user-friendly app can make managing your money easier. Look for features like mobile check deposit, bill pay, and secure transfers. A strong digital experience can save you trips to the branch.
Customer support: Good service matters when issues come up. Consider whether the bank offers live chat, 24/7 phone support, or reliable help in-branch.
Specialized services: If you own a business or need products like mortgages, auto loans, or investment services, choose a bank that offers those extras.
Reviews and recommendations: Ask around and read online reviews. Positive feedback from real customers is one of the best signs you’re choosing a bank that delivers.
Types of Banks in New Hampshire
New Hampshire offers several banking options to fit different needs. Here’s what you can expect across the state:
National Banks
National banks have branches throughout the country, making it easy to access your accounts no matter where you go. These banks offer a full menu of services, including personal banking, business accounts, and investment products. They work well for anyone who wants consistency and nationwide convenience.
Regional Banks
Regional banks serve specific parts of the country and often tailor their services to local communities. While their reach may not be as broad as national banks, they offer a solid range of checking, savings, and lending options. You might also find competitive rates and a focus on serving local customers.
Community Banks
Community banks keep things local, focusing on building relationships with their customers and supporting area businesses. They tend to offer flexible service and make decisions based on local priorities. Many people appreciate the personal attention they receive at community banks.
Online Banks
Online banks operate without physical branches and let you manage your money anytime through their websites or mobile apps. These banks typically offer higher rates on savings accounts and fewer fees because of their lower operating costs.
Credit Unions
Credit unions are member-owned and not-for-profit. They usually offer lower fees and better rates on loans and deposit accounts than traditional banks. Membership requirements can include where you live, work, or associations you belong to. Many people choose credit unions for their member-focused service.
Final Thoughts
The right bank can make managing your money easier and more rewarding. Whether you prefer the reach of a national bank, the personal service of a local branch, or the flexibility of an online platform, New Hampshire has solid options.
Take the time to compare fees, features, and account benefits. The best fit is the one that matches your everyday habits and helps you move closer to your financial goals.
Stephanie Faris is a professional finance writer with more than a decade of experience. Her work has been featured on a variety of top finance sites, including Money Under 30, GoBankingRates, Retirable, Sapling, and Benzinga.
