We enable anyone to make positive and lasting change to our local food ecosystem.
Grow Your Change
Systemic shifts like the ones we hope to inspire start locally, with individual relationships and communities.

What Makes Us Different
Banks make money by using your deposits to fund loans or investments—and what they use your money for has a giant impact on the world we live in.



- Farms
- Food businesses
- Non-profits
- Other sustainable businesses
you come first


We may be an online bank, but we do a few things differently.

Money on a Mission
Your savings directly support something you can feel good about.
Want the full story?


Designed For You
For individuals:
Simple FDIC-insured2 accounts with no surprise fees, competitive interest, free ATM access4—and digital services with just the right amount of human touch.
Interested?
For businesses:
Competitive rates, simple pricing, digital tools—and support from people with a passion for food and agriculture. Plus straightforward FDIC-insured business checking accounts.
Curious?

The Benefits of Community
Our differentiated account benefits come from the connections we make between our individual partners and partner-businesses.
Looking for an example?
What Is a Mutual?
In short, "mutual" means cooperative.

We are governed by our community, funded by investors with a bias towards the long-term, and engineered to endure the test of time.
Your Team
As a mutual, we report to our account holders...so it's as much your team as it is ours.
Staff

Charley started Walden Mutual to help people grow their savings while supporting local farms and food businesses daring to do things differently. After 8 years as founder and CEO of Walden Local - a sustainable meat company, which now serves thousands of families across the Northeast - Charley has brought the shared name and ethos to the banking world (though the two companies do not share a formal relationship). Before Walden (1 and 2) Charley played key roles in companies and non-profits covering commercial-scale composting, offshore wind energy, and management consulting. Charley is a New Englander through and through, from growing up on Cape Cod and the White Mountains, to studying in Rhode Island and settling down in rural New Hampshire with his wife, two children, two dogs, eighteen chickens and a growing flock of Kitahdin sheep.

Charley started Walden Mutual to help people grow their savings while supporting local farms and food businesses daring to do things differently. After 8 years as founder and CEO of Walden Local - a sustainable meat company, which now serves thousands of families across the Northeast - Charley has brought the shared name and ethos to the banking world (though the two companies do not share a formal relationship). Before Walden (1 and 2) Charley played key roles in companies and non-profits covering commercial-scale composting, offshore wind energy, and management consulting. Charley is a New Englander through and through, from growing up on Cape Cod and the White Mountains, to studying in Rhode Island and settling down in rural New Hampshire with his wife, two children, two dogs, eighteen chickens and a growing flock of Kitahdin sheep.

Jackie comes to Walden Mutual as an expert in community, from banking to social programs leading the way in food access and gender equality. Before joining Walden, she served as Chief Risk Officer and SVP of IT and Project Management at PeoplesBank—the same bank where 35 years earlier she began her career working in customer service. This commitment to her home led her to serve as President of the Food Bank of Western Massachusetts, Treasurer of Girls, Inc. and President of the South Hadley-Granby Chamber of Commerce. Jackie is a true ambassador of Western Massachusetts, where she has made deep roots and supported community growth across food and business. She is an active reader and enjoys hiking and travelling with her family.

Jackie comes to Walden Mutual as an expert in community, from banking to social programs leading the way in food access and gender equality. Before joining Walden, she served as Chief Risk Officer and SVP of IT and Project Management at PeoplesBank—the same bank where 35 years earlier she began her career working in customer service. This commitment to her home led her to serve as President of the Food Bank of Western Massachusetts, Treasurer of Girls, Inc. and President of the South Hadley-Granby Chamber of Commerce. Jackie is a true ambassador of Western Massachusetts, where she has made deep roots and supported community growth across food and business. She is an active reader and enjoys hiking and travelling with her family.

Debbie comes to Walden Mutual with a wealth of industry experience—from playing key roles in the startup, growth, and eventual sale of Centrix Bank, to leadership positions at several long-term local institutions. Before joining Walden, Debbie was the CFO of the NH Community Development Finance Authority and Executive Director of Finance and Human Resources of the New Hampshire Fisher Cats. Debbie is committed to New Hampshire, where she has grown up, attended college, and dedicated her career to developing financial and community institutions across the state. She currently lives with her husband and two daughters in Auburn, NH.

Debbie comes to Walden Mutual with a wealth of industry experience—from playing key roles in the startup, growth, and eventual sale of Centrix Bank, to leadership positions at several long-term local institutions. Before joining Walden, Debbie was the CFO of the NH Community Development Finance Authority and Executive Director of Finance and Human Resources of the New Hampshire Fisher Cats. Debbie is committed to New Hampshire, where she has grown up, attended college, and dedicated her career to developing financial and community institutions across the state. She currently lives with her husband and two daughters in Auburn, NH.

Joe comes to Walden with a deep interest in money – how people choose to use it, what it means to them, and the emotions it elicits in them. With an undergraduate degree in finance and a graduate degree in design, he’s examined those questions from a myriad of perspectives – including product, customer success, research, and design. Prior to Walden, Joe spent 10 years at Visa. As a director of their Innovation Studio, he helped many of North America’s largest financial institutions incubate new products and services – while leading Visa’s inclusive design practice. He also co-ran a small design consultancy with co-founders in Toronto and Mexico City. He now splits time between Concord, NH and Brooklyn - while pursuing graduate studies in psychology part-time. In his free time, he enjoys yard work, the WNBA, and failing to deliver on ever-ambitious New Years resolutions.

Joe comes to Walden with a deep interest in money – how people choose to use it, what it means to them, and the emotions it elicits in them. With an undergraduate degree in finance and a graduate degree in design, he’s examined those questions from a myriad of perspectives – including product, customer success, research, and design. Prior to Walden, Joe spent 10 years at Visa. As a director of their Innovation Studio, he helped many of North America’s largest financial institutions incubate new products and services – while leading Visa’s inclusive design practice. He also co-ran a small design consultancy with co-founders in Toronto and Mexico City. He now splits time between Concord, NH and Brooklyn - while pursuing graduate studies in psychology part-time. In his free time, he enjoys yard work, the WNBA, and failing to deliver on ever-ambitious New Years resolutions.

Christine is a passionate advocate for local, community business. She comes to Walden with an 11+ year record of crafting tailored, commercial banking services for her partners. Prior to joining our team, she held several leadership roles including Chief Lending Officer and SVP at Litchfield Bancorp - A Division of Northwest Community Bank and VP & Commercial/Wholesale Banker at United Bank. In her hometown of Torrington, Connecticut, Christine was part of the startup commercial banking department at Torrington Savings Bank and aided in significant loan growth across many industries. Christine has an MA in Psychology from the University of Chicago and a BA from Clark University. She is also a graduate of Connecticut School of Finance and Management. She loves spending her free time outdoors, at the gym, and enjoying quality time with her family.

Christine is a passionate advocate for local, community business. She comes to Walden with an 11+ year record of crafting tailored, commercial banking services for her partners. Prior to joining our team, she held several leadership roles including Chief Lending Officer and SVP at Litchfield Bancorp - A Division of Northwest Community Bank and VP & Commercial/Wholesale Banker at United Bank. In her hometown of Torrington, Connecticut, Christine was part of the startup commercial banking department at Torrington Savings Bank and aided in significant loan growth across many industries. Christine has an MA in Psychology from the University of Chicago and a BA from Clark University. She is also a graduate of Connecticut School of Finance and Management. She loves spending her free time outdoors, at the gym, and enjoying quality time with her family.
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Jean joins Walden Mutual with deep agricultural roots. For 36 years, she and her family owned and operated an 80-cow dairy and 160 acre corn, alfalfa, and grass crop farm. She brings first-hand, owner-operator experience to her lending relationships, which she cultivated over 18 years as a Sr. Ag Lender with Yankee Farm Credit and the Vermont Economic Development Authority prior to joining Walden. Outside of lending, Jean is active in the dairy community--having worked as a dairy specialist with the UNH Cooperative Extension, a 4-H leader, and as a judge at both the Northeast and National Dairy Challenges. Jean lives along the northern Connecticut River in Haverhill, NH.
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Jean joins Walden Mutual with deep agricultural roots. For 36 years, she and her family owned and operated an 80-cow dairy and 160 acre corn, alfalfa, and grass crop farm. She brings first-hand, owner-operator experience to her lending relationships, which she cultivated over 18 years as a Sr. Ag Lender with Yankee Farm Credit and the Vermont Economic Development Authority prior to joining Walden. Outside of lending, Jean is active in the dairy community--having worked as a dairy specialist with the UNH Cooperative Extension, a 4-H leader, and as a judge at both the Northeast and National Dairy Challenges. Jean lives along the northern Connecticut River in Haverhill, NH.

Chloe comes to Walden Mutual with a strong interest in creating healthy, resilient, and inclusive communities. Chloe was introduced to the power of food systems through working in the field of public health while pursuing an MBA exposed her to innovative finance and the notion that capital can and should be accessible and inclusive. In an effort to blend innovative finance (and ownership) to food systems, Chloe found Walden Mutual. A native Buffalonian, she has lived in Boston, Providence, the Adirondacks, and England. Outside of the office, Chloe can be found in the pottery studio, running or biking on trails, or cooking up something tasty.

Chloe comes to Walden Mutual with a strong interest in creating healthy, resilient, and inclusive communities. Chloe was introduced to the power of food systems through working in the field of public health while pursuing an MBA exposed her to innovative finance and the notion that capital can and should be accessible and inclusive. In an effort to blend innovative finance (and ownership) to food systems, Chloe found Walden Mutual. A native Buffalonian, she has lived in Boston, Providence, the Adirondacks, and England. Outside of the office, Chloe can be found in the pottery studio, running or biking on trails, or cooking up something tasty.

Leslie comes to Walden Mutual with deep curiosity and passion for making people feel understood and valued. She is dedicated to sustainable living and founded a network of consignment retail businesses in Massachusetts, which ran for 10 years and worked to return money to the local economy. Upon moving to NH, she found a home at the Concord Food Co-op where she connected Member-Owners to local growers and other sustainable food companies. With years in Operations at local nonprofits such as the Crisis Center of Central New Hampshire and Concord Coalition to End Homelessness, it became clear to her that local banks have the opportunity to fuel real change. Leslie has traveled to all continents except Antarctica and has lived in Washington D.C., Colorado, California, Pennsylvania, Massachusetts (where she worked at Carlson's Orchards at age 14), and now New Hampshire. In her free time you can find her exploring Concord with her rescue dog Althea, hiking, playing tennis and visiting to the seacoast as often as possible.

Leslie comes to Walden Mutual with deep curiosity and passion for making people feel understood and valued. She is dedicated to sustainable living and founded a network of consignment retail businesses in Massachusetts, which ran for 10 years and worked to return money to the local economy. Upon moving to NH, she found a home at the Concord Food Co-op where she connected Member-Owners to local growers and other sustainable food companies. With years in Operations at local nonprofits such as the Crisis Center of Central New Hampshire and Concord Coalition to End Homelessness, it became clear to her that local banks have the opportunity to fuel real change. Leslie has traveled to all continents except Antarctica and has lived in Washington D.C., Colorado, California, Pennsylvania, Massachusetts (where she worked at Carlson's Orchards at age 14), and now New Hampshire. In her free time you can find her exploring Concord with her rescue dog Althea, hiking, playing tennis and visiting to the seacoast as often as possible.

Victor comes to Walden Mutual with an abundance of banking experience including accounting, compliance, and commercial underwriting. He is an avid outdoorsman and enjoys hunting, fishing, and camping - you can find him bear hunting during the month of September in NH. Victor stays active in his community while coaching his children’s local sports teams. Like you, Victor is excited to learn more about our regional food ecosystems and work to bridge the gap between individuals and the local food economy.

Victor comes to Walden Mutual with an abundance of banking experience including accounting, compliance, and commercial underwriting. He is an avid outdoorsman and enjoys hunting, fishing, and camping - you can find him bear hunting during the month of September in NH. Victor stays active in his community while coaching his children’s local sports teams. Like you, Victor is excited to learn more about our regional food ecosystems and work to bridge the gap between individuals and the local food economy.

Nick comes to Walden Mutual with a deep passion for helping mission-driven businesses scale their impact. He has a formal background in engineering, and in previous roles has designed algorithms and hardware subsystems for fiber-optic sensors, 3D printers, and regenerative supply chains. Most recently he served as VP of Engineering at Walden Local, where he led the digital transformation of the company's fulfillment, inventory, and subscription management systems. Outside of Walden, you can find Nick studying natural communities from his aspiring urban meadow to opportunities for regenerative economies in local government.

Nick comes to Walden Mutual with a deep passion for helping mission-driven businesses scale their impact. He has a formal background in engineering, and in previous roles has designed algorithms and hardware subsystems for fiber-optic sensors, 3D printers, and regenerative supply chains. Most recently he served as VP of Engineering at Walden Local, where he led the digital transformation of the company's fulfillment, inventory, and subscription management systems. Outside of Walden, you can find Nick studying natural communities from his aspiring urban meadow to opportunities for regenerative economies in local government.

Tyler comes to Walden Mutual with a strong interest in sustainable agriculture and community engagement. He brings a unique skillset, drawing from his varied experience in journalism, non-profit advocacy, and tech development. Prior to Walden, he founded and sold a startup that made websites more accessible for people with disabilities. His favorite part was crafting bespoke experiences through old-fashioned customer care. In his free time, Tyler can often be found exploring New England, supporting local performing arts, or brewing a strong cup of hot tea.

Tyler comes to Walden Mutual with a strong interest in sustainable agriculture and community engagement. He brings a unique skillset, drawing from his varied experience in journalism, non-profit advocacy, and tech development. Prior to Walden, he founded and sold a startup that made websites more accessible for people with disabilities. His favorite part was crafting bespoke experiences through old-fashioned customer care. In his free time, Tyler can often be found exploring New England, supporting local performing arts, or brewing a strong cup of hot tea.

Lindsay comes to Walden Mutual as a local business advocate with a passion to help those in the food industry. From her first job scooping ice cream at a family farm in Western, MA, to her startup hot sauce business, she is always connecting with the local business community. Prior to joining Walden, Lindsay spent over 10 years in the banking industry. Most recently, she helped businesses in the North Shore area of Massachusetts as a Small Business Lender at Newburyport Bank. She is now studying at Northeastern University of Law to obtain her master’s in legal studies, concentrating on business law. In her free time, she enjoys spending time with her family, teaching her kids how to garden, cook and enjoy the outdoors.

Lindsay comes to Walden Mutual as a local business advocate with a passion to help those in the food industry. From her first job scooping ice cream at a family farm in Western, MA, to her startup hot sauce business, she is always connecting with the local business community. Prior to joining Walden, Lindsay spent over 10 years in the banking industry. Most recently, she helped businesses in the North Shore area of Massachusetts as a Small Business Lender at Newburyport Bank. She is now studying at Northeastern University of Law to obtain her master’s in legal studies, concentrating on business law. In her free time, she enjoys spending time with her family, teaching her kids how to garden, cook and enjoy the outdoors.
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Corporators
Corporators are representatives of our community—from business leaders to farmers and neighbors—who are responsible for stewarding us for the long term.
1. https://www.latimes.com/opinion/story/2023-01-18/fossil-fuel-expansion-bank-financed-emissions
2. Federal Deposit Insurance Corporation. Insurance coverage limited to $250,000. Addition insurance coverage available upon request.
3. As of November 5th, 2023; average across accounts offered by four largest U.S. banks; assumes location of Concord, NH and highest available savings rate
4. We'll reimburse up to $15 per month in fees assessed by ATM providers. A full description of our account charges can be found here.