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Best Checking Accounts & Rates in New Hampshire - May 2026

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Brian McKay Brian McKay
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Brian McKay

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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: May 4, 2026

The best checking rates for New Hampshire include Newburyport BankNewburyport Bank254 State St, Portsmouth, NH 03801A5.0 ★Texas Ratio: 8.70% Rewards Checking at 4.00% APY, Pentucket BankPentucket Bank201 State Route 111, Hampstead, NH 03841A+5.0 ★Texas Ratio: 0.68% Rewards Checking at 4.00% APY, Norway Savings BankNorway Savings Bank11 Commercial Dr, North Conway, NH 03860A+5.0 ★Texas Ratio: 0.74% Full Solutions Checking at 0.50% APY, Mascoma BankMascoma Bank67 N Park St, Lebanon, NH 03766A+5.0 ★Texas Ratio: 0.52% MORE Checking - Tier 3 at 0.50% APY, and Bank of New HampshireBank of New Hampshire160 Main St, Littleton, NH 03561A+5.0 ★Texas Ratio: 0.29% Prestige Checking Tier 2 Reward at 0.35% APY. Checking account rates as of May 4, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare checking account rates across New Hampshire side-by-side. New Hampshire checking rates currently reach as high as 4.00% APY from Newburyport Bank at 254 State St, Portsmouth, NH, 03801. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in New Hampshire. Checking Account Rates Last Updated and Verified: May 4, 2026

Compare Checking Account Rates Today in New Hampshire

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
254 State St
Portsmouth, NH 03801
Rewards Checking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Qualifying balance up to $15,000.00

Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
201 State Route 111
Hampstead, NH 03841
Rewards Checking
4.00%
$10
View
▼
Rate3.92%
Min Deposit$10
Min Balance—
UpdatedMay 3, 2026
Details

Qualifying balance up to $15,000.00

Norway Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
11 Commercial Dr
North Conway, NH 03860
Full Solutions Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Mascoma Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
67 N Park St
Lebanon, NH 03766
MORE Checking - Tier 3
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Bank of New Hampshire
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
160 Main St
Littleton, NH 03561
Prestige Checking Tier 2 Reward
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

$50 minimum to open

Bank of New Hampshire
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
160 Main St
Littleton, NH 03561
Prestige Checking Tier 1 Reward
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

$50 minimum to open

Norway Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
11 Commercial Dr
North Conway, NH 03860
Flexible Solutions Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

North Shore Bank Co-op
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
29 S Main St
Newton, NH 03858
Get More Checking
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
3 State St
Groveton, NH 03582
Municipal Checking with Interest
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
14 Colby Ct
Bedford, NH 03110
Dividend Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

North Shore Bank Co-op
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
29 S Main St
Newton, NH 03858
Get More Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
3 State St
Groveton, NH 03582
Basic Advantage, Advantage Checking & Advantage Checking Plus
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Norway Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
11 Commercial Dr
North Conway, NH 03860
Full Solutions Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Norway Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
11 Commercial Dr
North Conway, NH 03860
Flexible Solutions Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Bank of New Hampshire
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
160 Main St
Littleton, NH 03561
Granite Checking Tier 1 Reward
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

$50 minimum to open

Primary Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
207 Route 101
Bedford, NH 03110
Primary Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Profile Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
45 Wakefield St
Rochester, NH 03867
Granite Premier Checking Account
0.10%
$25
View
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Norway Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
11 Commercial Dr
North Conway, NH 03860
Flexible Solutions Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

North Shore Bank Co-op
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
29 S Main St
Newton, NH 03858
Get More Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
1337 Hooksett Rd
Hooksett, NH 03106
Premier Checking Account
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
254 State St
Portsmouth, NH 03801
Rewards Checking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Qualifying balance up to $15,000.00

Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
201 State Route 111
Hampstead, NH 03841
Rewards Checking
4.00%
$10
View
▼
Rate3.92%
Min Deposit$10
Min Balance—
UpdatedMay 3, 2026
Details

Qualifying balance up to $15,000.00

Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
3 State St
Groveton, NH 03582
Basic Advantage, Advantage Checking & Advantage Checking Plus
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
3 State St
Groveton, NH 03582
Municipal Checking with Interest
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Primary Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
207 Route 101
Bedford, NH 03110
Primary Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Profile Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
45 Wakefield St
Rochester, NH 03867
Profile Direct Interest Checking Account
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
3 State St
Groveton, NH 03582
Basic Advantage, Advantage Checking & Advantage Checking Plus
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Profile Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
45 Wakefield St
Rochester, NH 03867
50+ Interest Checking Account
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Primary Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
207 Route 101
Bedford, NH 03110
Primary Plus Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Savings Bank of Walpole
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
68 Ames Plaza Ln
Walpole, NH 03608
Nonprofit Advantage Checking or more
0.03%
$10
View
▼
Rate0.03%
Min Deposit$10
Min Balance—
UpdatedMay 3, 2026
Details

$250,000

Savings Bank of Walpole
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
68 Ames Plaza Ln
Walpole, NH 03608
Nonprofit Advantage Checking to $24,999.99
0.03%
$10
View
▼
Rate0.03%
Min Deposit$10
Min Balance—
UpdatedMay 3, 2026
Details

$500

Savings Bank of Walpole
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
68 Ames Plaza Ln
Walpole, NH 03608
Nonprofit Advantage Checking to $249,999.99
0.03%
$10
View
▼
Rate0.03%
Min Deposit$10
Min Balance—
UpdatedMay 3, 2026
Details

$75,000

Savings Bank of Walpole
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
68 Ames Plaza Ln
Walpole, NH 03608
Nonprofit Advantage Checking to $74,999.99
0.03%
$10
View
▼
Rate0.03%
Min Deposit$10
Min Balance—
UpdatedMay 3, 2026
Details

$25,000

Kennebunk Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
111 Maplewood Ave
Portsmouth, NH 03801
Interest Bearing Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Primary Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
207 Route 101
Bedford, NH 03110
Primary Interest Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Primary Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
207 Route 101
Bedford, NH 03110
Primary Plus Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
3 State St
Groveton, NH 03582
Basic Advantage, Advantage Checking & Advantage Checking Plus
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
254 State St
Portsmouth, NH 03801
Rewards Checking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Qualifying balance up to $15,000.00

Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
201 State Route 111
Hampstead, NH 03841
Rewards Checking
4.00%
$10
View
▼
Rate3.92%
Min Deposit$10
Min Balance—
UpdatedMay 3, 2026
Details

Qualifying balance up to $15,000.00

Bank of New Hampshire
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
160 Main St
Littleton, NH 03561
Prestige Checking Tier 2 Reward
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

$50 minimum to open

Bank of New Hampshire
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
160 Main St
Littleton, NH 03561
Prestige Checking Tier 1 Reward
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

$50 minimum to open

Bank of New Hampshire
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
160 Main St
Littleton, NH 03561
Granite Checking Tier 1 Reward
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

$50 minimum to open

Partners Bank of New England
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
501 Islington St
Portsmouth, NH 03801
Golden Rewards Ultimate Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Partners Bank of New England
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
501 Islington St
Portsmouth, NH 03801
Golden Rewards Ultimate Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
3 State St
Groveton, NH 03582
Basic Advantage, Advantage Checking & Advantage Checking Plus
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
3 State St
Groveton, NH 03582
Basic Advantage, Advantage Checking & Advantage Checking Plus
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Savings Bank of Walpole
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
68 Ames Plaza Ln
Walpole, NH 03608
Truly Free Checking
0.03%
$10
View
▼
Rate0.03%
Min Deposit$10
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
3 State St
Groveton, NH 03582
Basic Advantage, Advantage Checking & Advantage Checking Plus
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
1337 Hooksett Rd
Hooksett, NH 03106
Basic Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

No Student accounts found at this time.
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
14 Colby Ct
Bedford, NH 03110
BusinessPlus Checking
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
14 Colby Ct
Bedford, NH 03110
BusinessPlus Checking
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Profile Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
45 Wakefield St
Rochester, NH 03867
Business Interest Checking Account
0.10%
$25
View
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
3 State St
Groveton, NH 03582
UB 55, Business Checking with Interest
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Profile Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
45 Wakefield St
Rochester, NH 03867
Business Interest Checking Account
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
3 State St
Groveton, NH 03582
UB 55, Business Checking with Interest
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
3 State St
Groveton, NH 03582
UB 55, Business Checking with Interest
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

New Hampshire Checking Rate Trends

Compare local New Hampshire checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full New Hampshire Checking Trends →
High-Yield Checking — NH Avg
2.257%
▼ 1.414 vs 7 days ago

New Hampshire high-yield checking rates fell 1.414 points over the past 7 days to 2.257% APY.

Free Checking — NH Avg
0.068%
▼ 0.042 vs 7 days ago

New Hampshire free checking rates fell 0.042 points over the past 7 days to 0.068% APY.

As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for New Hampshire directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in New Hampshire. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in NH.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in New Hampshire earn interest?

Most traditional local checking accounts in New Hampshire earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in New Hampshire FDIC insured?

Yes. Legitimate banks with branches in New Hampshire are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in New Hampshire

Based on our current data, some of the highest checking account APYs available to residents of New Hampshire include:
  • Newburyport Bank
    Rewards Checking — 4.00% APY
  • Pentucket Bank
    Rewards Checking — 4.00% APY
  • Norway Savings Bank
    Full Solutions Checking — 0.50% APY
  • Mascoma Bank
    MORE Checking - Tier 3 — 0.50% APY
  • Bank of New Hampshire
    Prestige Checking Tier 2 Reward — 0.35% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in New Hampshire. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 4, 2026

New Hampshire Rates & Resources

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New Hampshire CD Rates
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New Hampshire Savings Rates
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New Hampshire Money Market Rates
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New Hampshire Mortgage Rates
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New Hampshire Auto Loan Rates
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New Hampshire Personal Loan Rates

Checking Account Rates by City in New Hampshire