10 Best Banks in New Hampshire for 2024

Banking is made convenient through SoFi’s early direct deposit feature, which allows you to receive your paycheck up to two days early.

Your money is secure at SoFi, thanks to FDIC insurance that covers up to $2 million. If you ever find yourself short on funds, SoFi provides up to $50 in overdraft protection without charging fees, provided certain conditions are met.

New customers can also earn a bonus ranging from $50 to $250, based on their initial direct deposit amounts.

Moreover, you’ll have easy access to cash through a wide network of more than 55,000 Allpoint® Network ATMs, making SoFi a go-to option for many people.

A unique perk of banking with TD Bank is their fast debit card replacement service. If you misplace your card, you can usually get a new one at your local branch as soon as the next day. Some branches even let you pick up your new card without leaving your car.

For new customers, TD Bank offers a $200 bonus when you open a checking account with a qualifying direct deposit. Plus, you can skip the monthly maintenance fee on checking accounts by maintaining a daily balance of just $100.

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 5.21% APY on balances of $1,000 or more. Your funds are FDIC-insured up to $250,000.

With a broad array of financial offerings like savings, checking, and money market accounts, Citizens doesn’t stop there; they also provide credit card, home loan, and student loan options.

If you set up at least one direct deposit per month, you can benefit from a free checking account. Additionally, Citizens Bank has solutions to help you steer clear of overdraft fees.

Plus, the Citizens Paid Early™ service lets you get your paycheck up to two days early with direct deposit, at no extra cost and without any sign-up requirements.

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.

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.

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 offers a 0.20% APY, higher rates on savings accounts than many other financial institutions, and competitive rates on loans.

This makes Digital Federal Credit Union an excellent option for those who meet the membership criteria and are looking for a mix of online and in-person services.

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.