Business Checking Accounts

At Bar Harbor Bank & Trust, we understand you have goals you’re working toward. We offer a variety of checking accounts to fit your needs; whether you are a sole proprietor, a large corporation, or somewhere in between. We also offer tools to make it easy for you to manage your cash the way you want to.

Account Types

Easy Business Checking

Designed to meet the needs of most smaller businesses and sole proprietors. No monthly service fee, and your first 150 items are free each statement cycle. Write checks, bank online, or access your account anytime, anywhere with our free mobile app1. Easy banking your way.

  • No monthly service fee
  • First 150 items are free and then $0.25 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®
  • $100.00 minimum deposit to open

Compare all accounts

Relationship Business Checking

Perfect for growing and larger businesses. Your first 500 items are free per statement cycle. And because this is a relationship account, the combined balances of your loans and deposits with us make it easier to meet the monthly balance needed to waive the monthly service fee.

  • No monthly service fee if you maintain a $5,000 average daily deposit balance or $25,000 outstanding commercial loan balance
  • First 500 items are free and then $0.25 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® 
  • $100.00 minimum deposit to open

Compare all accounts

Commercial Checking

Best suited for businesses with high transaction volume. Manage your high-volume account activity using tools like electronic payments, sweeps, and remote deposit. And your earnings credit may offset service charge and fees.

  • $10 monthly service charge, although earnings credit may offset service charge and fees
  • $0.50 per deposit and $0.25 per debit paid
  • 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® 
  • $100.00 minimum deposit to open

Compare all accounts


Account Management Tools

All of our checking accounts offer:


Online Banking

From a single login, check your account balance, transfer funds, view eStatements, pay bills, and much more.



Mobile Banking

The free app for web-enabled mobile devices like smartphones and tablets lets you bank safely and securely from anywhere.



Bar Harbor Card Control

This free app allows you to monitor your debit card usage, turn your card on and off, set custom alerts, and more.



Apple Pay & Google Pay

Store your Bar Harbor Bank & Trust Debit Mastercard® in your smart phone and pay right from your phone.


Treasury Services

For your more advanced money management needs we have cost effective solutions to improve your company’s efficiency and decrease risk, using the latest technology. We can help you streamline your day-to-day cash management and increase the profitability of your business with the following services.

Bar Harbor Business Online

  • Multi-user access and secure tokens
  • ACH and (domestic) wire services
  • Remote deposit capture
  • Positive Pay to combat check fraud
  • Savings strategies to maximize earnings

Merchant Services

  • Accept a variety of payment card options
  • Several processing options to match your needs
  • Competitive rates
  • Seasonal accounts available

For more information about Treasury Services, email treasuryservices@barharbor.bank.



1 Internet service provider fees and/or mobile carrier fees for messaging and data plans may apply.

2 Coming 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. 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.

The Bank Secrecy Act requires us to gather information when opening new accounts or renewing existing accounts. The rule requires the Bank to obtain, verify and record information about beneficial owners of legal entities. FinCEN has adopted what they describe as a “two pronged” approach to beneficial ownership. The ownership prong includes all natural persons with 25% or more direct or indirect equity interest in a legal entity; while the control prong is a single individual with significant managerial responsibility over the legal entity. We will ask to see a copy of each person’s identification and record information from each of them. To help you gather the required information click here to see the Certification Regarding Beneficial Owners of Legal Entity Customers form. Please visit your local branch for more information or call 888-853-7100.