New Hampshire sits in the middle of the national picture with 25 certified checking accounts — #35 of the 51 states and territories we track, against a median of 32. 9 come from local or regional institutions and 16 from national banks — a 36% local share, close to the 36% median across the states we track.
18 of the 25 carry a $0 monthly maintenance fee; the 7 that do charge run from $4 to $15 a month. 16 can be opened with $0 on deposit, and the largest opening deposit asked anywhere on this list is $25. 23 run no overdraft program at all; the other 2 still cannot charge overdraft or NSF fees on the certified account itself and offer coverage only as a separate service you would have to opt into.
Of the 9 state-based listings, the most come from Bangor Savings Bank, Claremont Savings Bank First and Digital Federal Credit Union Dora.