Best Banks in New Hampshire
Written by
Rudri Patel
Edited by
Elizabeth Constantineau
Whether you’re in a tight-knit town or near the bustle of the Seacoast, having the right bank in New Hampshire matters. Local community banks and credit unions often deliver the personal touch Granite Staters appreciate, while national banks bring wider access and digital convenience. This guide rounds up the best banks in New Hampshire for 2025 — including top options for checking, savings and certificate of deposit (CD) accounts — to help you find the right fit.
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GOBankingRates' editorial team is committed to bringing you unbiased bank reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our in-depth bank review methodology.
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TOP NEW HAMPSHIRE BANKS AT A GLANCE
Bank/Institution
Savings APY
Notable Features
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Detailed Reviews of the Best Banks in New Hampshire
The bank you use can play a big role in your financial journey. These are some of the best New Hampshire banks to consider.
Gold Winner: Meredith Village Savings Bank
Meredith Village Savings Bank is a small bank with just a few branches in New Hampshire. If you want a community feel, this may be the right bank for you. The bank’s automated savings features make it easy to pay bills and invest in assets without checking your balances.
Best For
Customer Support
Low Monthly Fees
Low Minimum Deposits
Loan Options
Mobile Banking
24/7 Customer Support
Meredith Village Savings Bank makes it easy to access banking support. You can hop on the phone with a representative at any time. The bank also has live support that is available 24/7. If you have any questions along your banking journey, you can get a quick answer.
Total Branch Locations
14
Mobile App Rating
4.7 on the Apple App Store and 4.5 on Google Play
Other Products Offered
Checking, savings, money market, CDs, IRAs, personal loans, mortgages, auto loans, business banking
Pros
- Automate savings features
- Various CD term lengths, and some of them have competitive rates
Cons
- Small ATM network and limited branches
- Low APY on checking and savings accounts
Why We Like Meredith Village Savings Bank
Competitive CD rates and a community-focused vibe make Meredith Village Savings Bank worth considering for New Hampshire residents. The bank supports many organizations in the state and also gives out scholarships to qualifying New Hampshire high school students.
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Silver Winner: Citizens Bank
Citizens Bank offers a wide range of personal and business financial products. The bank’s CitizensPlus loyalty program allows you to unlock extra perks and discounts based on how much money you have across your accounts.
Some of the accounts have no monthly maintenance fees. While other Citizens Bank accounts have a monthly maintenance fee, that extra expense is typically easy to waive.
Best For
Mobile App
No Minimum Deposit
Wealth Management
Loan Options
Credit Cards
The More You Save, the More You Earn
Citizens Bank stands out for its blend of nationwide reach in key regions and perks for loyal customers. Whether you're managing everyday banking, planning a major purchase or running a business, the bank's wide product lineup and personalized guidance make it a versatile choice for a variety of financial needs.
Total Branch Locations
More than 1,100
Mobile App Rating
4.7 on the Apple App Store and Google Play
Other Products Offered
Checking, savings, credit cards, home loans, student loans, wealth management, business accounts, investment management
Pros
- Many branch and ATM locations
- CitizensPlus loyalty program offers benefits for your checking account if you have a larger balance
- Complimentary personalized guidance from a Citizens Bank professional
Cons
- Low APYs for Citizens Bank's savings accounts
- High $25,000 minimum deposit requirement to get the highest CD rates, and they aren't the most competitive
- Branches aren't spread throughout the country
Why We Like Citizens Bank
Citizens Bank has a vast footprint in the New England, Mid-Atlantic and Midwest regions with more than 1,100 branches and 3,400 ATMs. The CitizensPlus loyalty program opens a lot of opportunities to save money, such as with mortgage discounts, home equity line of credit discounts, a credit card fee reduction, student loan discounts and personalized financial advice.
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Bronze Winner: Mascoma Bank
Mascoma Bank has been serving customers in New Hampshire and Vermont for more than 125 years. The bank donates money to healthcare programs, philanthropic efforts and nonprofits.
Mascoma Bank offers personal and business accounts that give you plenty of options. If you want to learn more about how money works, you can visit Mascoma Bank’s online Wellness Center, which contains financial literacy resources.
Best For
Low Monthly Fees
Credit Cards
Investment Services
Low Minimum Deposits
Business Banking
Easy-To-Use Goal Setting Features
Mascoma Bank lets you set savings goals and credit score improvement goals in your checking account. The bank will send you notifications to keep you updated on your account activity and progress. You also get to track your spending through a Mascoma Bank account, so you can monitor what’s helping or hurting your progress.
Total Branch Locations
Over 25
Mobile App Rating
4.8 on the Apple App Store and on Google Play
Other Products Offered
Checking, savings, money market, CDs, IRAs, personal loans, mortgages, business banking
Pros
- Wellness Center has educational resources
- Refunds for non-Mascoma ATM fees up to $50
- Ability to set financial goals
Cons
- Branches are only located in New Hampshire and Vermont
- Low APYs for checking and savings accounts
- Uncompetitive rates for long-term CDs
Why We Like Mascoma Bank
Mascoma Bank makes it easy to set and track your financial goals. If you want to save up for a vacation or get your credit back in a good spot, the bank can keep you accountable. Mascoma Bank also offers ATM fee refunds up to $50 to compensate for no presence outside of New Hampshire and Vermont.
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Best Banks
Checking Accounts
Savings Accounts
CD Account Rates
Money Market Accounts
Research Methodology
To discover the Best Banks by state, GOBankingRates analyzed the top institutions (excluding online banks and neobanks) by state branch locations. To determine rankings, GOBankingRates looked at the following factors: (1) total assets as sourced from the FDIC; (2) checking product minimum deposit; (3) monthly checking fee ratio (percentage of the minimum to avoid fees compared to the monthly fee itself); (4) savings product minimum deposit; (5) savings product APY; (6) Bauer rating (out of 5 stars); (7) products/services offered (auto loans, mortgage loans, credit cards, investment services and insurance); and (8) the average mobile app rating between the Google Play (Android) and Apple stores. All factors were then scored and combined, with the lowest score being the best. Factors (1), (2) and (4) were weighed 0.5 times, factor (5) was weighed 2.5 times and factor (7) was weighed 1.5 times. All products and offerings had to be available as of Nov. 8, 2024, to be considered. Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Aug. 7, 2025.
To qualify as one of the Best Banks in the state, the institution needed at least five branch locations in the respective state, with some exceptions for larger and/or smaller states.
How To Choose the Right Bank in New Hampshire
Regional banks can be a great option for customers who value in-person service but want a more personal feel than what you might find at a large national bank. In New Hampshire, many regional banks and credit unions have strong ties to the community and offer competitive interest rates on deposit accounts — especially CDs and savings.
That said, be mindful of potential drawbacks. Account and service fees can vary widely, and regional banks typically have fewer branches and ATMs than national institutions.
Here are some key factors to consider when choosing the best bank for you:
- Location: Some banks only operate in certain areas, so be sure the bank you’re interested in has a nearby location.
- Availability: Check the branch hours, including holidays and weekends, if you prefer to bank in person.
- Bank health: Some banks in New Hampshire stay small by choice, but others may be limited by low assets or slower growth. Review your bank’s financials to make sure it’s stable.
- Rewards and promotions: Banks often run promotions and offer awards for new accounts. Compare their offers to those from national or online banks.
- Account offerings: Banks may be limited in terms of their product lines, so be sure that the New Hampshire bank you’re considering offers everything you’ll need.
Conclusion
Choosing the best bank in New Hampshire comes down to knowing your financial goals and what you want from a bank. The top picks on this list have plenty of advantages, such as competitive financial products, strong community support and reliable customer service. Researching several banks can help you feel more confident with your decision.
FAQs About Banking in New Hampshire
Here’s more information to help you find the best New Hampshire bank for your needs.- What is the best bank for high-yield savings in New Hampshire?
- Citizens Bank has the best yield out of the New Hampshire banks mentioned. However, you can score a higher APY if you branch out to online banks like Varo.
- Which banks have the most ATMs in New Hampshire?
- TD Bank currently has the most ATMs in New Hampshire. However, it’s notable that Mascoma Bank offers reimbursements of up to $50 in ATM fees.
- Are there any banks in New Hampshire with no monthly fees?
- Yes. There are plenty of banks in New Hampshire with no monthly fees, including the three on this list. Although you can open a checking account that has monthly maintenance fees, it’s typically easy to waive the fee with some activity.
More Resources for Banking
Best Banks
Checking Accounts
Savings Accounts
CD Account Rates
Money Market Accounts
Marc Guberti contributed to the reporting for this article.
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