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.