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Personal Checking Accounts


Whether you prefer the simplicity of a free checking account or the comprehensive benefits of a relationship account, we have the perfect solution for you. Recognized as one of the best banks in Maine, New Hampshire, and Vermont, we're committed to helping our customers achieve their goals. Check out our checking account options today.

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
  • $25.00 minimum deposit to open

E-Choice Checking
Bank the way you do today and reap the rewards.

  • Earn $.05 cash back with every purchase you make with your CashBack Rewards Debit Mastercard®
  • No monthly service fee1 when you enroll in eStatements and have a recurring monthly direct deposit
  • Meet the transaction requirements2 and get up to $25 in ATM rebates
  • Meet the transaction requirements2 and get a great interest rate on balances up to $10,000

Relationship Rewards Checking
Our best account provides more rewards, premium interest rates, and more discounts.

  • Earn tiered interest on your checking account
  • Earn $.05 cash back with every purchase you make with your CashBack Rewards Debit Mastercard®
  • Preferred rates on CDs and companion Money Market
  • No Bar Harbor Bank & Trust fees at any ATMs3










All of our Personal Checking Accounts offer:

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You have 24/7/365 access to your bank accounts to check your balances, transfer funds, view eStatements, pay bills, set up alerts and much more.
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This free4 app allows you to lock or unlock your debit card for purchases, select geographic locations where your card can be used, set transaction spending limits, set up transaction alerts, and more.
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The free4 app for web-enabled mobile devices like smartphones and tablets lets you bank safely and securely from anywhere. Check your balances, transfer funds, view eStatements, pay bills, and even deposit a check whenever you wish.

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Store your Bar Harbor Bank & Trust Debit Mastercard® in your smart phone and pay right from your phone.
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Zelle®
Quickly and easily send money to friends and family with Zelle. Available in our mobile app.


Compare Checking Accounts


$25 minimum to open any checking account Simple Checking E-Choice Checking Relationship Reward Checking
Monthly Service Charge None $6 $15
Ways to Waive the Monthly Service Charge N/A Waived when you enroll in eStatements and have a recurring monthly direct deposit Keep a combined Minimum Daily Balance of $7,500 or more in your personal checking, savings, and money market accounts
Earns Interest No
Yes, interest earned on all balances and offers four easy steps to qualify for a premium interest rate:

  1. Use online banking
  2. Go paperless with eStatements
  3. Use your debit card for 12 or more purchases monthly
  4. Have at least one electronic (ACH) debit or credit on the account
 Yes, tiered rate
ATM Fees3 No fees at Bar Harbor Bank & Trust ATMs. $2.00 per transaction, balance inquiry, and transfer at non-Bar Harbor Bank & Trust ATMs. No fees at Bar Harbor Bank & Trust ATMs. $2.00 per transaction, balance inquiry, and transfer at non-Bar Harbor Bank & Trust ATMs. No fees at both Bar Harbor Bank & Trust and non-Bar Harbor Bank & Trust ATMs
Other Perks No
  1. Get up to $25 in ATM fee rebates when you complete the four steps listed below
  2. Discounted rates on new mortgage loans using automatic payments4
  1. Free small safe deposit box or 50% off any other size box
  2. Free standard checks
  3. Preferred rates on CDs and companion Money Market
  4. Free incoming wires, domestic and foreign
  5. Free auto sweep from Overdraft Line of Credit
  6. Discounted rates on new mortgage loans using automatic payments4
CashBack Rewards No Yes, earn $0.05 cash back on every purchase you make with your Bar Harbor Bank & Trust CashBack Rewards Debit Mastercard® Yes, earn $0.05 cash back on every purchase you make with your Bar Harbor Bank & Trust CashBack Rewards Debit Mastercard®
Free access to Bar Harbor Bank & Trust's convenient branch and ATM network Yes Yes Yes
Free access to Bar Harbor Mobile5 and Bar Harbor Online5 Yes Yes Yes
Free Bar Harbor Bank & Trust Debit Card with EMV Chip Technology Yes Yes Yes
Paper statement fee $3.00. Waived when you enroll in eStatements No No
Check Images Available Yes, in online banking Yes, included on statement and in online banking Yes, included on statement and in online banking
Need help deciding on what account is best for you? Try our Account Finder tool.



1 E-choice Checking has a $6 month service fee. This fee is waived when the account receives eStatements and a monthly direct deposit into the account.
2 Each 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 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.
3 Other banks may charge a fee for the use of their ATM. International ATM transactions fees apply.
4 This offer is only available for new mortgage loans originated on or after 9/15/24 to customers who have an E-Choice or Relationship Rewards checking account open and set up with automatic mortgage payments when loan is originated. One offer per property not available for refinancing or home equity loans. Equal Housing Lender. All applications are subject to credit approval. Additional terms, conditions, limitations, restrictions, and fees may apply. This is not a commitment to lend.
5 Internet 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. Apple, the Apple logo, Apple Pay, and the App Store are registered trademarks of Apple Inc., registered in the U.S. and other countries and regions. Google Play, the Google Play logo, Google Pay and the Google Pay logo are registered trademarks of Google LLC. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Terms and conditions apply.
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