Account Finder
Are you located in Maine, New Hampshire, or Vermont?
Yes
No
Are you an individual or a business?
Individual
Business
Is earning interest on your checking important to you?
Yes
No
Are you a for-profit or non-profit business?
For-Profit
Non-Profit
What balances do you typically keep in your checking, savings, and money market accounts?
Less than $7,500
More than $7,500
How many transactions do you conduct in a typical month, including checks, deposited items, and debit card transactions?
Less than 151
Between 151 - 500
More than 500
Will you receive a direct deposit into your account each month?
Yes
No
How many transactions do you conduct in a typical month, including checks, deposited items, and debit card transactions?
Less than 500
More than 500
Thank you for your interest. We are currently only able to open accounts for residents of Maine, New Hampshire, and Vermont.
We recommend Relationship Rewards Checking.
Relationship Rewards Checking
Our best account provides more rewards. More interest. More discounts and more benefits.
- Earn tiered interest on your checking account1
- Eligible for special CD rates
- Earn $.05 cash back with every purchase you make with your Bar Harbor Bank & Trust CashBack Rewards Debit Mastercard®
- Free Bar Harbor Bank & Trust CashBack Rewards Debit Mastercard®, issued to you instantly
- Free Bar Harbor mobile banking with mobile check deposit2
- Free Bar Harbor online banking and bill pay2
- No Bar Harbor Bank & Trust fees at any ATMs3
- Free small safe deposit box or 50% off any other size box
- Free companion Relationship Rewards Money Market account
- Free paper statements, eStatements available
- Free standard Bar Harbor Bank & Trust checks
- Monthly service fee of $15 is waived if you maintain a combined minimum daily balance of $7,500 or more in your personal checking, savings, or money market accounts
- $25.00 minimum deposit to open
1Interest rate effective as of 11/01/24 and subject to change without notice. Interest is compounded monthly and paid at statement cycle. Other fees may apply. Fees may reduce earnings.
2Internet service provider fees and/or mobile carrier fees for messaging and data plans may apply.
3Other banks may charge a fee for the use of their ATM. International ATM transaction fees apply.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
We recommend E-Choice Checking.
E-Choice Checking
Bank the way you do today and reap the rewards. And if you enroll in eStatements and have a recurring monthly direct deposit, there are no monthly fees1.
- Earn $.05 cash back with every purchase you make with your Bar Harbor Bank & Trust CashBack Rewards Debit Mastercard®
- Free Bar Harbor Bank & Trust CashBack Rewards Debit Mastercard®, issued to you instantly
- Free Bar Harbor mobile banking with mobile check deposit2
- Free Bar Harbor online banking and bill pay2
- Meet the transaction requirements3 and get up to $25 in ATM rebates
- Meet the transaction requirements3 and get a great interest rate on balances up to $10,000
- $25.00 minimum deposit to open
1E-choice Checking has a $6 month service fee. This fee is waived when the account receives eStatements and has a monthly recurring direct deposit.
2Internet service provider fees and/or mobile carrier fees for messaging and data plans may apply.
3Each month, E-Choice Checking accounts qualify to earn a premium interest rate on the first $10,000 and up to $25 in ATM fee refunds when all of these monthly qualifiers are met: use your debit card for at least 12 purchases (excludes pending and ATM transactions); have at least one electronic (ACH) credit or debit on the account; access online banking at least once during the statement cycle; and sign up and remain enrolled in eStatements. Fees may reduce earnings on the account. Interest rate is effective as of 11/01/24. Interest is compounded monthly and paid at statement cycle. Interest rates are subject to change without notice. See the Consumer Debit Card Agreement for full terms and conditions of CashBack Rewards.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
We recommend Simple Checking.
Simple Checking
An easy to use checking account. Write checks, bank online, or access your account anytime, anywhere
- No monthly service fee, whatever your balance
- Free Bar Harbor mobile banking with mobile check deposit1
- Free Bar Harbor online banking and bill pay1
- Free eStatements ($3.00 paper statement fee applies)
- Free Bar Harbor Bank & Trust Debit Mastercard®, issued to you instantly
- $25.00 minimum deposit to open
1Internet service provider fees and/or mobile carrier fees for messaging and data plans may apply.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
We recommend Easy Business Checking.
Easy Business Checking
This account is specially designed for smaller businesses and sole proprietors. Enjoy easy banking your way.
- No monthly service fee
- First 150 items are free and then $0.35 per item
- Free Bar Harbor mobile banking1 with mobile check deposit2
- Free Bar Harbor online banking and bill pay1
- Free eStatements ($3.00 paper statement fee applies)
- Free Bar Harbor Bank & Trust Debit Mastercard®, issued to you instantly
- $100.00 minimum deposit to open
Call or visit your nearest branch to open an account.
1Internet service provider fees and/or mobile carrier fees for messaging and data plans may apply.
2Coming soon for all business customers. Currently available for small businesses – volume, limits, and restrictions apply.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
We recommend Relationship Business Checking.
Relationship Business Checking
This account is perfect for growing and larger businesses. And because this is a relationship account, the combined balances of your loans and deposits with us make it easier to waive the monthly service fee.
- No monthly service fee if you maintain a $5,000 minimum deposit balance or $25,000 outstanding commercial loan balance
- First 500 items are free and then $0.35 per item
- Free Bar Harbor mobile banking1 with mobile check deposit2
- Free Bar Harbor online banking and bill pay1
- Free paper statements, eStatements available
- Free Bar Harbor Bank & Trust Debit Mastercard®, issued to you instantly
- $100.00 minimum deposit to open
Call or visit your nearest branch to open an account.
1Internet service provider fees and/or mobile carrier fees for messaging and data plans may apply.
2Coming soon for all business customers. Currently available for small businesses – volume, limits, and restrictions apply.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
We recommend Commercial Checking.
Commercial Checking
This account is a great option for businesses with high transaction volume. Manage your high-volume account activity using tools like electronic payments, sweeps, and remote deposit. As an added bonus, your earnings credit can be used to offset service charges and fees.
- $20 monthly service charge; you can offset the service charge and other fees using your earnings credit
- $0.55 per deposit, $0.25 per debit paid, $0.14 per deposited item
Call or visit your nearest branch to open an account.
We recommend Non-profit Checking.
Non-Profit Checking
We support the good work being done in our communities by local non-profit organization. Therefore we designed this account along those lines. Non-profit Checking is built for non-profit entities access to comprehensive banking services.
- No monthly service fee
- No per item fees
- Free Bar Harbor mobile banking1 with mobile check deposit2
- Free Bar Harbor online banking and bill pay1
- Free paper statements, eStatements available
- Free Bar Harbor Bank & Trust Debit Mastercard®, issued to you instantly
- $100.00 minimum deposit to open
Call or visit your nearest branch to open an account.
1Internet service provider fees and/or mobile carrier fees for messaging and data plans may apply.
2Coming soon for all business customers. Currently available for small businesses – volume, limits, and restrictions apply.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.