New Hampshire's famous 'Live Free or Die' motto extends to its tax policy — no income tax, no sales tax — making it a magnet for Massachusetts commuters who bank in NH to take advantage of lower overall tax burden while working across the state line.
The Nashua and Manchester metros are essentially southern extensions of the Greater Boston economy, with many residents commuting to Massachusetts while maintaining New Hampshire residency and banking. Granite State Credit Union is New Hampshire's largest locally chartered credit union, while the banking market is otherwise dominated by New England regional banks and TD Bank's pervasive presence.
National Banks in New Hampshire
These banks use New Hampshire-specific ACH routing numbers for accounts opened in New Hampshire.
| Bank | ACH Routing # | Wire Routing # | Notes | Verify |
|---|---|---|---|---|
| Capital One | 051405515 | 056073502 | Capital One uses a single routing number for all states. | Verify |
| Ally Bank | 124003116 | 124003116 | Ally is online-only and uses the same routing number for all states. | Verify |
| Charles Schwab Bank | 121202211 | 121202211 | Schwab Bank uses a single routing number nationwide. | Verify |
Finding Your Routing Number on a New Hampshire Check
The 9-digit number at lower-left is your ACH routing number. Wire routing numbers differ and are not printed on checks.
Regional Banks in New Hampshire
Headquartered or major operations in New Hampshire. Typically one routing number statewide.
New Hampshire Credit Unions
Service Credit Union, headquartered in Portsmouth, NH, serves military and DoD civilian employees across New Hampshire and has grown to over $4 billion in assets — one of the largest military-affiliated credit unions in New England.
Granite State Credit Union
SiteManchester, NH CU. New Hampshire's largest locally chartered CU.
Service Credit Union (NH)
SitePortsmouth, NH CU for military and DoD civilian employees at NH bases.
NH Federal Credit Union
SiteConcord CU for NH state employees and their families.
Bellwether Community CU
SiteManchester CU open to NH residents through community membership.
FAQ — New Hampshire Routing Numbers
TD Bank uses 011400495 for New Hampshire ACH accounts. TD Bank has one of the most dominant retail presences in New Hampshire through its legacy Banknorth acquisition. New Hampshire was a Banknorth stronghold, and TD has maintained and expanded that footprint since 2005.
Chase uses 021100361 for New Hampshire ACH accounts — the same New England number used for Connecticut and Rhode Island. Chase has very limited New Hampshire branch presence. Most NH residents bank locally with TD, Citizens, or local savings banks and credit unions.
Yes — Granite State Credit Union is open to New Hampshire residents who join a partner association or qualify through employer membership. Based in Manchester, GSCU is New Hampshire's largest locally chartered credit union with competitive rates on loans and savings. Their routing number is 211288398.
Yes — New Hampshire has no state income tax on wages and no sales tax, making it one of the lowest-tax states in the Northeast. Many Massachusetts workers live in NH and commute to Boston metro jobs. These commuters often maintain NH bank accounts to avoid Massachusetts bank account reporting requirements. Their routing numbers will still be NH-specific numbers even if they mostly interact with Massachusetts businesses.
A routing number is a 9-digit ABA code identifying a financial institution. National banks maintain state-specific routing numbers inherited from regional bank acquisitions to avoid disrupting millions of existing direct deposit setups.