Low-cost checking accounts in Vermont

Vermont has one of the smallest sets of certified accounts in the country — 19 of them, against a national median of around 32, which places it #44 of the 51 states and territories we track. Only 5 of those come from an institution rooted in Vermont; the other 14 are national banks whose accounts appear on every state list. At 26% local against a 36% median, Vermont leans unusually hard on national providers.

13 of the 19 carry a $0 monthly maintenance fee; the 6 that do charge run from $4.95 to $25 a month. 13 can be opened with $0 on deposit, and the largest opening deposit asked anywhere on this list is $50. None of the 19 operate an overdraft program at all.

Of the 5 state-based listings, the most come from Beacon Bank & Trust Bank, Claremont Savings Bank First and Mascoma Bank.

Certified accounts
19
$0 monthly fee
13
No overdraft program
19
Local institutions
5

Beacon Bank & Trust 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
$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.

Contact bank

Berkshire Bank

MyFreedom 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

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

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

People First Federal Credit Union First

Step 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
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

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

KeyBank Hassle-Free

Account

NationalBank 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
KeyBank

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

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

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

Trustco Bank Home Town

BankOn Account

LocalBank On Certified

Costs you per year

$300.00

$25.00 a month, every month.

Monthly fee × 12
$25.00 × 12 = $300.00
To open
$50 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

Next steps for Vermont residents