Municipal Services

Did you know Bar Harbor Bank & Trust has been providing robust Treasury Services solutions to towns across Maine, New Hampshire, and Vermont for several decades? Our comprehensive suite of services helps local municipalities save time and money by facilitating payables and receivables, preventing fraud, and maximizing earnings on working capital.

Bar Harbor Business Online

Many town functions occur outside normal business hours. Online banking offers the convenience of transacting town business at night or on weekends. It offers quick, immediate access to information often needed during meetings or discussions. You may assign different levels of authority and access to multiple employees, send domestic wires, and initiate ACH transactions including payroll direct deposit.

Learn more about Bar Harbor Business Online

Remote Deposit Capture1

This technology offers towns the ability to deposit checks to their accounts quickly and efficiently without leaving the office. This is particularly helpful during periods of high activity.

Learn more about Remote Deposit Capture

Positive Pay

This automated fraud detection tool matches the account number, check number, and dollar amount of each check presented for payment against a list of checks previously authorized and issued by the town. Each day checks are written, a file of issued checks is sent to the bank. When checks are presented at the bank for payment, they are compared electronically against the list of transmitted checks. When a check is presented and does not have a “match” it becomes an “exception item.” Exception items are managed by the town through Bar Harbor Business Online, where instruction is given to the bank on how to handle the item.

Cash Management Programs

Maximize earnings on excess funds, earning interest while reducing or eliminating service charges, using a variety of collateral. Municipal funds in excess of the FDIC insured limit may be collateralized by the pledge of qualifying securities.

Learn more about our cash management programs


For a complimentary relationship review to better streamline your day-today cash management for increased profitability and productivity, simply e-mail treasuryservices@barharbor.bank.

When it is time to send out Requests for Proposals for banking services, Bar Harbor Bank & Trust would be pleased to respond. Simply e-mail treasuryservices@barharbor.bank.


1 All applications are subject to approval