Best Banks in New Hampshire

Joseph Sohm / Shutterstock.com
There are many online banking options to choose from. Digital banking has its advantages: low fees, higher interest rates and 24/7 online access. However, online banks can provide a less than personal experience, especially when you need help. Having access to the “best banks near me” could save you time and hassle when you need more than a basic account to pay your bills. This roundup of the best banks in New Hampshire 2022 reviews the best financial institutions with a local presence.
How These New Hampshire Banks Made the List
GOBankingRates compiles an annual list of the top 100 banks based on customer service, market share, digital tools, account types, interest rates, fees and more. Once the 100 national banks have been selected, the list is narrowed down to financial institutions by state or region. This review of the best banks in New Hampshire does not examine all banks operating in the state. It focuses on the top four performers and why each may be worth considering.
4 Best Banks in New Hampshire
The following three banks are strong contenders for “best banks near me”. Here’s more on why they stand out from the pack.

Bank of America
why it stands out: Bank of America is the second largest bank in the country and has 24 branches throughout the state of New Hampshire. Its financial stability is one of the main selling points. If you’re a loyalty-oriented person, you’ll find that Bank of America offers nearly every financial product you might need, including accounts, investments, loans, mortgages, business banking, and planning. of retirement. And if you choose to have multiple accounts or financial products, you may qualify for special rates and benefits as a Preferred Rewards member.
Benefits:- Charges on many accounts can be waived
- Multiple bank account options from basic to premium
- Statewide branches and ATMs
- Popular mobile app
- Low standard interest rates of 0.01% to 0.02%
- Relationship rates through Preferred Rewards are only available when you maintain a balance of $20,000 or more for at least three months.

TD Bank
why it stands out: TD Bank has 56 branches (called stores) in 44 cities in New Hampshire. You can always turn to the mobile or online platform, but locations offer services like curbside debit card replacement and currency exchange.
Benefits:- Useful online banking and investing resources
- TD Convenience Checks are a low-cost, minimum check option for students and basic banking services.
- Savings and money market accounts are available
- Accounts can be opened online or in branch
- High balances are needed to earn minimal interest
- Overdrawn accounts are subject to up to three overdraft fees of $35 each per day

Federal Digital Credit Union
why it stands out: Extremely competitive auto loan rates, low fees, and extensive financial services are just a few of the reasons Digital Federal Credit Union stands out. Plus, membership is available to almost anyone through employers, the community you live in, or by joining a charity for as little as $10 a year.
Benefits:- Receive direct deposits up to two days in advance
- Auto loans as low as 1.49% APY
- Branches in Nashua, Merrimack, Manchester and Hudson
- Eligible members can receive up to $300 per year in out-of-network ATM fee reimbursement
- Requires subscription to access

Citizens Bank
why it stands out: Based in Rhode Island, Citizens Bank makes the list of New Hampshire’s top banks for physical presence and account access. You will find 52 branches in the state. Citizens Bank does not charge overdraft fees and offers overdraft protection to keep your bank charges low.
Benefits:
- Monthly maintenance fees on all account types are waived
- Some accounts come with free checks and out-of-network ATM fees waived
- A linked savings account is available for free with most checking accounts
- Free meeting with a banker via Citizens Checkup
- HSBC Bank branches will transition to Citizens Bank for more locations statewide
The inconvenients:
- Low APY of 0.01% on interest bearing accounts
- Money market account requires a balance of $2,500 or more to waive the $10 monthly maintenance fee
What to look for: Citizens Bank is transparent about its deposit policies, which can go a long way in avoiding overdraft and insufficient funds fees. Weekend and Monday deposits are available on Tuesdays. Friday deposits are cleared by Monday. The rest of the week’s deposits are available the next business day.
READ OUR FULL REVIEWCarry
Banking services in New Hampshire are not much different from other parts of the United States. However, finding personalized banking services can be more difficult since many national banks do not have an extensive branch network in the state. This review highlights three of the best banks in New Hampshire. You can also expand your options by checking out local credit unions that offer personalized service at low fees.
To discover the Top 100 Banks, GOBankingRates reviewed all institutions with published data available (national, regional, local, and online) from the Best Banks 2022 categories as well as all credit unions with over $1 billion in total assets and accessible to a wide audience. GOBankingRates considered the following factors: (1) total assets from the FDIC and NCUA; (2) the number of branches from the FDIC and NCUA; (3) annual current account fees; (4) savings account APY rate; (5) 12-month APY CD rate; (6) customer service products offered (24/7 customer service and live chat with a human); (7) Bauer rating (out of 5 stars); (8) products/services offered (car loans, mortgages, credit cards, investment services and insurance); and (9) the average mobile app rating between Android and Apple stores. All factors were then scored and combined, with the lowest score being the best. Factors (1) and (4) were weighted 1.5 times in the final rating, factor (2) was weighted 2 times, factor (6) was weighted 0.5 times and factor (8) was weighted 2.5 times. For all savings and checking account data, only the core accounts/products offered at each institution were analyzed. Rates and fees are subject to change.