Home Checking Accounts New Hampshire Checking Concord, New Hampshire New Hampshire Checking Rate Trends iAdvertiser Disclosure
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Best Banks & Checking Accounts in Concord, New Hampshire - March 2026

The best checking rates for Concord, New Hampshire include Bank of New HampshireBank of New Hampshire167 N Main St, Concord, NH 03301A+5.0 ★Texas Ratio: 0.29% Prestige Checking at 0.35% APY, Service Federal Credit UnionService Federal Credit Union344 Loudon Rd, Concord, NH 03301A5.0 ★Texas Ratio: 11.03% Dividend Checking at 0.15% APY, Merrimack County SBMerrimack County SB89 N Main St, Concord, NH 03301A5.0 ★Texas Ratio: 8.07% Premier Checking at 0.05% APY, Granite State Credit UnionGranite State Credit Union311 Sheep Davis Rd, Concord, NH 03301 5747A+5.0 ★Texas Ratio: 5.41% Advantage Checking at 0.05% APY, and Camden National BankCamden National Bank190 N Main St, Concord, NH 03301A+5.0 ★Texas Ratio: 0.98% Non-Profit Checking at 0.05% APY. Checking account rates as of March 24, 2026 according to verified data from MonitorBankRates.

Looking for the best checking accounts in Concord, New Hampshire? You have two main choices: convenient local branches or high-yield online accounts.

The tables below compare the top rates available to residents of Concord, New Hampshire, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in Concord, New Hampshire. Checking Account Rates Last Updated and Verified: March 24, 2026

Compare Checking Account Rates Today in Concord, New Hampshire & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Bank of New Hampshire
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
167 N Main St
Concord, NH 03301
Prestige Checking
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$50 minimum to open

Bank of New Hampshire
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
167 N Main St
Concord, NH 03301
Prestige Checking
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$50 minimum to open

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
344 Loudon Rd
Concord, NH 03301
Dividend Checking
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

No additional details provided.

Bank of New Hampshire
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
167 N Main St
Concord, NH 03301
Granite Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$50 minimum to open

Merrimack County SB
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
89 N Main St
Concord, NH 03301
Premier Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$10.00 minimum to open

Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
311 Sheep Davis Rd
Concord, NH 03301 5747
Advantage Checking
0.05%
$10
Rate0.05%
Min Deposit$10
Min Balance
UpdatedMar 20, 2026
Details

No additional details provided.

Camden National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
190 N Main St
Concord, NH 03301
Non-Profit Checking
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedMar 18, 2026
Details

No additional details provided.

Bank of New Hampshire
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
167 N Main St
Concord, NH 03301
Prestige Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$50 minimum to open

Merrimack County SB
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
89 N Main St
Concord, NH 03301
Premier Checking
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$10.00 minimum to open

Merrimack County SB
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
89 N Main St
Concord, NH 03301
Premier Checking
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$10.00 minimum to open

Merrimack County SB
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
89 N Main St
Concord, NH 03301
Better Checking
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$10.00 minimum to open

Merrimack County SB
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
89 N Main St
Concord, NH 03301
Senior Checking
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$10.00 minimum to open

NBT Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
118 N Main St
Concord, NH 03301
Classic Interest Checking
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Tier 1 - Average daily balance $100 < $2,500

Bank of New Hampshire
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
167 N Main St
Concord, NH 03301
Granite Checking
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$50 minimum to open

Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
11 S Main St
Concord, NH 03301
Premier Checking
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

No additional details provided.

Camden National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
190 N Main St
Concord, NH 03301
Non-Profit Checking
0.00%
$25
Rate0.00%
Min Deposit$25
Min Balance
UpdatedMar 18, 2026
Details

No additional details provided.

Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
254 State St
Portsmouth, NH 03801
Rewards Checking Account
4.00%
$0
Rate3.92%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $15,000.00

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3 Mound Ct Ste 3A
Merrimack, NH 03054 4412
High Interest Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00

Needham Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
1 Provident Way
Seabrook, NH 03874
Premium Checking
2.00%
$10
Rate1.98%
Min Deposit$10
Min Balance
UpdatedMar 20, 2026
Details

$20,000.00+

Claremont Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
145 Broad St
Claremont, NH 03743
Performance Checking
1.00%
$25
Rate0.00%
Min Deposit$25
Min Balance
UpdatedMar 18, 2026
Details

Earn 1.00% APY Cash Back on debit card purchases up to a maximum of $10 when you spend a minimum of $500 with your debit card each month.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
311 Sheep Davis Rd
Concord, NH 03301 5747
Advantage Checking
0.05%
$10
Rate0.05%
Min Deposit$10
Min Balance
UpdatedMar 20, 2026
Details

No additional details provided.

NBT Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
118 N Main St
Concord, NH 03301
Classic Interest Checking
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Tier 1 - Average daily balance $100 < $2,500

Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
254 State St
Portsmouth, NH 03801
Rewards Checking Account
4.00%
$0
Rate3.92%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $15,000.00

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3 Mound Ct Ste 3A
Merrimack, NH 03054 4412
High Interest Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00

Needham Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
1 Provident Way
Seabrook, NH 03874
Premium Checking
2.00%
$10
Rate1.98%
Min Deposit$10
Min Balance
UpdatedMar 20, 2026
Details

$20,000.00+

Claremont Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
145 Broad St
Claremont, NH 03743
Performance Checking
1.00%
$25
Rate0.00%
Min Deposit$25
Min Balance
UpdatedMar 18, 2026
Details

Earn 1.00% APY Cash Back on debit card purchases up to a maximum of $10 when you spend a minimum of $500 with your debit card each month.

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
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 22, 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
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 22, 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
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

No additional details provided.

Needham Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
1 Provident Way
Seabrook, NH 03874
Premium Checking
0.10%
$10
Rate0.10%
Min Deposit$10
Min Balance
UpdatedMar 20, 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
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 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
Rate0.05%
Min Deposit$25
Min Balance
UpdatedMar 21, 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
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 21, 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
Rate0.05%
Min Deposit$25
Min Balance
UpdatedMar 21, 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
0.03%
$10
Rate0.03%
Min Deposit$10
Min Balance
UpdatedMar 24, 2026
Details

$500 to $24,999.99

Kennebunk Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
111 Maplewood Ave
Portsmouth, NH 03801
Interest Bearing Checking
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 20, 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
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 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
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 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
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 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 Account
4.00%
$0
Rate3.92%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $15,000.00

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
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 21, 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
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 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
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 22, 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
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 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
Rate0.03%
Min Deposit$10
Min Balance
UpdatedMar 24, 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
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 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
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
68 Lafayette Rd
Seabrook, NH 03874
Student Checking*
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

No additional details provided.

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%
344 Loudon Rd
Concord, NH 03301
BusinessPlus Checking
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

No additional details provided.

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
344 Loudon Rd
Concord, NH 03301
BusinessPlus Checking
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedMar 24, 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
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 22, 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
Rate0.10%
Min Deposit$25
Min Balance
UpdatedMar 21, 2026
Details

No additional details provided.

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
68 Lafayette Rd
Seabrook, NH 03874
Commercial Checking
0.10%
$100
Rate0.10%
Min Deposit$100
Min Balance
UpdatedMar 17, 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
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 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
Rate0.05%
Min Deposit$25
Min Balance
UpdatedMar 21, 2026
Details

No additional details provided.

Needham Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
1 Provident Way
Seabrook, NH 03874
NB Business Interest Checking
0.05%
$50
Rate0.05%
Min Deposit$50
Min Balance
UpdatedMar 20, 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
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

No additional details provided.

Concord, NH Checking Rate Trends

Compare local Concord, NH checking rate quotes against the statewide average

Weekly 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
0.215%
▼ 0.738 from last week

New Hampshire high-yield checking rates fell 0.738 points this week to 0.215% APY, down from 0.954% last week.

Rewards Checking — NH Avg
2.080%
▼ 0.703 from last week

New Hampshire rewards checking rates fell 0.703 points this week to 2.080% APY, down from 2.782% last week.

As of Mar 24, 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 Concord, 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 Concord, 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 Concord, New Hampshire earn interest?

Most traditional local checking accounts in Concord, 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 Concord, New Hampshire FDIC insured?

Yes. Legitimate banks with branches in Concord, 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 Concord, New Hampshire

Based on our current data, some of the highest checking account APYs available to residents of Concord, New Hampshire include:
  • Bank of New Hampshire
    Prestige Checking — 0.35% APY
  • Service Federal Credit Union
    Dividend Checking — 0.15% APY
  • Merrimack County SB
    Premier Checking — 0.05% APY
  • Granite State Credit Union
    Advantage Checking — 0.05% APY
  • Camden National Bank
    Non-Profit Checking — 0.05% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Concord, New Hampshire. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 24, 2026