Boston Fed · District 1

Bank fees in New Hampshire

Name: New Hampshire Bank and Credit Union Fees Compared
Creator: Fee Insight

Overdraft and NSF medians are about the same as the national median. The maintenance median is $0.75 below the national median.

institutions with published feesof 28 headquartered in New Hampshire: 16
medians fall within the national middle 50%: 13 of 13

Data refreshed Nov 4, 2026

Get the free New Hampshire report

Local fee benchmarks

Manchester's non-network ATM median is $1.25; New Hampshire's is $1.

Non-Network ATM median by market, institutions with a branch thereNew Hampshire $1, 8 institutions

New Hampshire's 8 largest markets by institutions with a branch there; marker size follows that count. Every New Hampshire city on the map

Overdraft (OD)NSF / Returned Item Monthly Maintenance Non-Network ATM Stop Payment Wire Transfer (Domestic Out)Paper Statement Debit Card Replacement

Manchester
12 institutions
$1.25
New Hampshire
8 institutions
$1
Boston Fed district
111 institutions
$1.50
U.S.
1,648 institutions
$1.50

Who each median counts

Manchester: With a branch in Manchester, wherever headquartered
New Hampshire: Headquartered in New Hampshire
Boston Fed district: Headquartered in the Boston Fed district
U.S.: Every institution in the index

Manchester

Fee data available for 19 of 24 institutions

Compare Manchester fees

Sources: Branches from the FDIC Summary of Deposits (banks) and NCUA (credit unions). One value per institution: its highest overdraft fee, the middle of its schedule for other fees. A median needs at least 5 institutions.

New Hampshire's banks and credit unions

16 of the 28 institutions headquartered in New Hampshire have published fees here, and 16 of them have fees that count toward the medians on this page. Figures here count those headquartered institutions, except branches and deposits, which count every institution serving the state.

Banks versus credit unions

Credit unions have lower medians on 2 of 8 fees, among institutions headquartered in New Hampshire.

lower at credit unions: 2
about the same: 6

8 fees with both a bank and a credit union median in New Hampshire.

Lower at credit unions

About the same

Fee

Monthly Maintenance

Credit unions $2 lower in New Hampshire.

$7.50

Banks

median of 6

$5.50

Credit unions

median of 6

Every fee, banks against credit unions

Bank and credit union medians in New Hampshire; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$30	$30	Same
NSF / Returned Item	$30	$30	Same
Monthly Maintenance	$7.50	$5.50	$2
Wire Transfer (Domestic Out)	$25	$20	$5
Stop Payment	$30	$30	Same
Cashier's Check	$5	$5	Same
Debit Card Replacement	$10	$10	Same
Wire Transfer (Domestic In)	$10	$10	Same

Fee medians by peer group

Institutions with $300M to $1B in assets in New Hampshire

Wire Transfer runs $2.50 below the New Hampshire median.

Overdraft (OD)
Group median:
$30
of 8 institutions publishing
State median:
$30
of 12 institutions publishing
Difference: Within 1%
NSF / Returned Item
Group median:
Too few to compare
of 7 institutions publishing
State median:
$30
of 12 institutions publishing
Difference: Not compared
Monthly Maintenance
Group median:
Too few to compare
of 6 institutions publishing
State median:
$6.25
of 12 institutions publishing
Difference: Not compared
Non-Network ATM
Group median:
Too few to compare
of 5 institutions publishing
State median:
$1
of 8 institutions publishing
Difference: Not compared
Wire Transfer (Domestic Out)
Group median:
$22.50
of 8 institutions publishing
State median:
$25
of 13 institutions publishing
Difference: $2.50 below

Difference: the group median against the New Hampshire median, up arrow above, down arrow below. Colour shows direction only: above or below the median is not good or bad.

Show all 13

Wire Transfer (Int'l Out)
Group median:
Too few to compare
of 5 institutions publishing
State median:
$40
of 9 institutions publishing
Difference: Not compared
Stop Payment
Group median:
$30
of 10 institutions publishing
State median:
$30
of 14 institutions publishing
Difference: Within 1%
Cashier's Check
Group median:
Too few to compare
of 7 institutions publishing
State median:
$5
of 10 institutions publishing
Difference: Not compared
Debit Card Replacement
Group median:
Too few to compare
of 7 institutions publishing
State median:
$10
of 11 institutions publishing
Difference: Not compared
Wire Transfer (Domestic In)
Group median:
Too few to compare
of 7 institutions publishing
State median:
$10
of 11 institutions publishing
Difference: Not compared
OD Protection Transfer
Group median:
Too few to compare
of 7 institutions publishing
State median:
$3
of 9 institutions publishing
Difference: Not compared
Deposited Item Return
Group median:
Too few to compare
of 6 institutions publishing
State median:
$12
of 7 institutions publishing
Difference: Not compared
Paper Statement
Group median:
Too few to compare
of 3 institutions publishing
State median:
$2
of 5 institutions publishing
Difference: Not compared

How groups are counted

Each institution counts once: its highest overdraft fee, the middle of its schedule for other fees.
Size bands come from FDIC and NCUA total assets, bank regulator from the FDIC registry and credit union charter from NCUA.
The New Hampshire median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in New Hampshire with verified fees, Bank Fee Index; size, regulator and charter from FDIC and NCUA records. A group median needs at least 8 institutions. Data as of Nov 4, 2026.

Who serves New Hampshire

The five largest banks hold 59% of bank deposits in New Hampshire. 28 banks and credit unions are headquartered here; 373 bank branches and 121 credit union branches serve the state, wherever headquartered.

TD Bank, National Association21.9% · $10.7B across 43 branches
Citizens Bank, National Association18.2% · $8.9B across 40 branches
Bank of America, National Association11.1% · $5.4B across 15 branches
Bank of New Hampshire4.9% · $2.4B across 21 branches
Manufacturers and Traders Trust Company3.4% · $1.7B across 23 branches
Every other bank40.6% · $19.9B

63% of the 16 banks hold $100M to $1B in assets

FDIC asset-size groups

33% of the 12 credit unions hold $500M to $1B in assets

NCUA asset-size groups

Source: Institutions headquartered in New Hampshire, tracked by Fee Insight. Total assets from FDIC and NCUA data, grouped the way each regulator reports them: the FDIC asset-size groups for banks and the NCUA groups for credit unions. Bank deposits from the FDIC Summary of Deposits, 2026, for branches in New Hampshire; credit union branches from NCUA. Leading banks count banks with 10 or more branches in the state.

Fee income

New Hampshire bank service charges fell 1.0% from Q2 2025 to Q2 2026. Credit union fee income is a wider measure than bank service charges, so the two charts stay separate and are never added together.

Banks: service charges on deposit accounts

$2.5MQ2 2026

−1.0% from Q2 2025

Credit unions: all fee income

$22.1MQ2 2026

+48.4% from Q2 2025

Source: Institutions headquartered in the state. Banks: service charges on deposit accounts, FDIC call reports. Credit unions: all fee income, NCUA call reports. Credit union year-to-date income is split into quarters; a quarter shows once most institutions have filed.

Free report

Get the free New Hampshire fee report

The New Hampshire medians against the U.S., sent to you and updated as schedules are verified.

New Hampshire versus the Boston district

Higher in New Hampshire: stop payment +⁠$5, deposited item return +⁠$2, NSF / returned item +⁠$0.75 and 1 more. Lower in New Hampshire: OD protection transfer −⁠$2, paper statement −⁠$1, non-network ATM −⁠$0.50. The other 6 fees are about the same.

Stop Payment
New Hampshire $30 (14 inst.) · District $25 (240 inst.)
+$5
OD Protection Transfer
New Hampshire $3 (9 inst.) · District $5 (121 inst.)
−$2
Deposited Item Return
New Hampshire $12 (7 inst.) · District $10 (155 inst.)
+$2
Paper Statement
New Hampshire $2 (5 inst.) · District $3 (68 inst.)
−$1
NSF / Returned Item
New Hampshire $30 (12 inst.) · District $29.25 (192 inst.)
+$0.75

New Hampshire median against the Boston district median, by fee
Fee	New Hampshire	District	Gap
Stop Payment	$3014 inst.	$25240 inst.	+$5
OD Protection Transfer	$39 inst.	$5121 inst.	−$2
Deposited Item Return	$127 inst.	$10155 inst.	+$2
Paper Statement	$25 inst.	$368 inst.	−$1
NSF / Returned Item	$3012 inst.	$29.25192 inst.	+$0.75

What the Fed sees in the district

“Economic activity expanded slightly, with mixed results across sectors.”

Beige Book, Boston district, October 2026 Hamilton sets it beside an institution's own fees

Open the Boston district report

Source: Both medians count institutions by headquarters; the district takes in New Hampshire and the rest of the Federal Reserve's Boston district. Medians from each institution's own published schedule, one value per institution; a median needs at least 5. A gap under 1% reads as about the same. Federal Reserve Beige Book, Boston district.

New Hampshire versus the U.S.

1 of 13 New Hampshire medians sit above the U.S. median. New Hampshire medians count institutions headquartered in New Hampshire; U.S. medians count every institution in the index.

Overdraft (OD)

$30

Median of 12 New Hampshire institutions. U.S. $30.

New Hampshire institutionsNational middle range

Explore 13 additional New Hampshire fee categories in Hamilton.

Method: Findings rank only fees with at least 10 New Hampshire institutions. Fees with fewer appear in the list, unranked. The national middle range runs from the 25th to the 75th percentile of U.S. institutions.

National context

New Hampshire unemployment was 2.6% in September 2026, against 4.2% for the U.S.

New Hampshire

Unemployment rate, against the U.S.

New HampshireU.S.

Sep 2021 to Sep 2026

Median household income in New Hampshire: $99K (2024).

United States

Bank services prices, change over 12 months

Sep 2021 to Sep 2026

+1.0% in the 12 months to Sep 2026, nationally.

Source: BLS unemployment and the BLS CPI for checking accounts and other bank services; Census ACS 2024 median household income. The CPI is national; it has no state figure.

Where does your institution sit?

Hamilton, the Fee Insight workspace, sets an institution's own fees beside institutions its size in New Hampshire.

See Hamilton plans Or ask for a demo

From 16 New Hampshire banks and credit unions' own published fee schedules, one value per institution; a median needs at least 5 institutions. Data as of Nov 4, 2026. Methodology

Bank fees in New Hampshire

Overdraft and NSF medians are about the same as the national median. The maintenance median is $0.75 below the national median.

institutions with published feesof 28 headquartered in New Hampshire

medians fall within the national middle 50%

13 of 13

Data refreshed Nov 4, 2026

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$30

Same

NSF / Returned Item

$30

Same

Monthly Maintenance

$7.50

$5.50

Wire Transfer (Domestic Out)

$25

$20

Stop Payment

$30

Same

Cashier's Check

Same

Debit Card Replacement

$10

Same

Wire Transfer (Domestic In)

$10

Same

Fee

New Hampshire

District

Lower in New Hampshire Higher in New Hampshire

Gap

Stop Payment

$3014 inst.

$25240 inst.

+$5

OD Protection Transfer

$39 inst.

$5121 inst.

−$2

Deposited Item Return

$127 inst.

$10155 inst.

+$2

Paper Statement

$25 inst.

$368 inst.

−$1

NSF / Returned Item

$3012 inst.

$29.25192 inst.

+$0.75