Low-cost checking accounts in New Hampshire

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.

Certified accounts
25
$0 monthly fee
18
No overdraft program
23
Local institutions
9

nbkc bank

Everything Account

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
90,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Discover Bank

Cashback Debit Checking Account

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Bank of America

SafeBalance Banking

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
None on this account; optional overdraft service available
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Citizens Bank

Checking

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
None (No fees for using any ATM)

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Ally Bank

Spending Account

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
75,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Alliant Credit Union

High-Rate Checking

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
80,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Alliant Credit Union

Teen Checking

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
80,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Quorum Federal Credit Union

QFlex Checking

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

LendingClub

Level Up Checking

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
Unlimited ATM fee rebates

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Digital Federal Credit Union Dora

Everyday Checking Account

LocalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
30,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Service Federal Credit Union Dora

Everyday Checking Account

LocalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
30,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Merrimack County

Savings Bank BankOn Checking

LocalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Chase

Secure Banking Account

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
14,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Mascoma Bank

On Checking

LocalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$10 to open — this stays your money
Overdraft
No overdraft or NSF fees on this account
Free ATMs
3+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Bangor Savings Bank

Benefit Promise℠ Account

LocalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$10 to open — this stays your money
Overdraft
No overdraft or NSF fees on this account
Free ATMs
1+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

First Seacoast Bank

SquareONE

LocalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$10 to open — this stays your money
Overdraft
No overdraft or NSF fees on this account
Free ATMs
55,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Savings Bank of Walpole

BankOn Checking

LocalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$10 to open — this stays your money
Overdraft
No overdraft or NSF fees on this account
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

NBT Bank NBT

iSelect Account

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$25 to open — this stays your money
Overdraft
No overdraft or NSF fees on this account
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Santander Bank Santander

Essential Checking

NationalBank On Certified

Costs you per year

$48.00

$4.00 a month, every month.

Monthly fee × 12
$4.00 × 12 = $48.00
To open
$10 to open — this stays your money
Overdraft
No overdraft or NSF fees on this account
Free ATMs
Santander

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

TD Bank TD

Essential Banking

NationalBank On Certified

Costs you per year

$59.40

$4.95 a month, every month.

Monthly fee × 12
$4.95 × 12 = $59.40
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
TD

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Citizens Bank

Checking Account

NationalBank On Certified

Costs you per year

$60.00

$5.00 a month, every month.

Monthly fee × 12
$5.00 × 12 = $60.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Claremont Savings Bank First

Step Checking

LocalBank On Certified

Costs you per year

$60.00

$5.00 a month, every month.

Monthly fee × 12
$5.00 × 12 = $60.00
To open
$10 to open — this stays your money
Overdraft
No overdraft or NSF fees on this account
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

BMO

Smart Money Checking

NationalBank On Certified

Costs you per year

$60.00

$5.00 a month, every month.

Monthly fee × 12
$5.00 × 12 = $60.00
To open
$25 to open — this stays your money
Overdraft
No overdraft or NSF fees on this account
Free ATMs
40,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

nbkc bank

Money Market Account

NationalBank On Certified

Costs you per year

$144.00

$12.00 a month, every month.

Monthly fee × 12
$12.00 × 12 = $144.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
90,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

MVSB Bank

On Checking Account

LocalBank On Certified

Costs you per year

$180.00

$15.00 a month, every month.

Monthly fee × 12
$15.00 × 12 = $180.00
To open
$10 to open — this stays your money
Overdraft
None on this account; optional overdraft service available
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Next steps for New Hampshire residents