Introducing new Mastercard® Debit Cards with enhanced Benefits and Security

We always strive to offer our customers the best banking experience possible. In order to better serve you, we are upgrading all current Visa debit cards to new Debit Mastercards. This upgrade provides you with added card benefits including EMV chip technology with contactless payment capabilities, allowing for more secure and more convenient transactions. You’ll also have access to Mastercard’s wide array of cardmember benefits, including liability and price protection.
 

What to Expect

Your new Debit Mastercard will replace your current debit card and will arrive via USPS in the coming weeks.

 
Until you receive your new Debit Mastercard in the mail, simply continue to use your existing Visa debit card. When you receive your new Debit Mastercard, please follow these steps:
 
  1. Call 1-800-448-8268 to activate your new Debit Mastercard
  2. Select a new PIN when you activate your new card
  3. Sign the back of your new Debit Mastercard
  4. Cut up and discard your old Visa® debit card
  5. Provide your new card number to any companies that automatically bill your debit card


Your New Card Will Have EMV Chip and Contactless Payment Technology

Enjoy more secure and more convenient transactions. The security in the chip makes every transaction unique, which provides stronger fraud protection. The contactless antenna allows you to tap your card to pay at participating terminals, allowing for a speedier transaction. Your chip card will also have the traditional magnetic stripe on the back so that you can continue using your card at merchants who are still transitioning to new chip card terminals. For more information on these features, visit our FAQs.

 

How to Use Your Chip Card


Additional Card Benefits and Programs Available with Your New Debit Mastercard


CashBack Rewards

Get rewarded for using your cards. eChoice and Preferred Checking Customers will be able to earn cash back on daily purchases. Not an eChoice or Preferred Checking Customer? No problem! Contact us to talk about upgrading your account to take advantage of this great program. CashBack Rewards is available for personal accounts only. Visit the CashBack Rewards page to learn more.

 

Bar Harbor Card Control

This fraud prevention app allows you to monitor your debit card usage, turn your card on and off, set custom alerts, and more. Use Bar Harbor Card Control to protect your money and control your card. 
 
Click on an icon below to download the Bar Harbor Card Control app.
 
  
 

Apple Pay and Google Wallet

A new way to pay - store your cards and pay right from your smart phone using Apple Pay and Google Wallet. More details coming soon. 

 

Mastercard Cardmember Benefits

As soon as you activate your new card, you’ll gain immediate access to Mastercard Cardmember benefits like Identity Theft Resolution Services, Mastercard Global Service™, Mastercard Airport Concierge™, Extended Warranty, Price Protection and Satisfaction Guarantee. More details on these benefits can be found by clicking the links below.
 
 

Frequently Asked Questions

 
Q. Why are we transitioning to Mastercard?
A. We always strive to offer our customers the best banking experience possible. Your new Debit Mastercard will help
us to serve you better by providing you with added benefits you can use every day. Your new card will have EMV chip technology with contactless payment capabilities, allowing for more secure and more convenient transactions. You’ll also have access to Mastercard’s cardmember benefits, including liability and price protection.
 
Q. What is my PIN number for my new card?
A. Please call toll free 1-800-448-8268 to activate your card and select your PIN. To complete the PIN selection process you will first be prompted for the following information: last four digits of your Social Security Number
or your Tax ID Number (TIN) if you are a business, last four digits of the primary account number attached to the card, and the phone number associated with the primary account.
 
Q. What is a contactless chip card?
A. A contactless chip card is similar to the card you have today, except it has an embedded microchip and antenna built in to it for a safer and more convenient check out experience. The security in the chip makes every transaction unique, which provides stronger fraud protection. Your chip card will also have the traditional magnetic stripe on the back so that you can continue using your card at merchants who are still transitioning to new chip card terminals.
 
Q. What are the benefits of contactless chip technology?
A. The embedded microchip provides stronger fraud protection as it is more difficult to replicate and the contactless tap-and-go payment feature gives you a faster way to pay at accepting merchants. Using the contactless payment feature is just as secure as using your chip to insert to pay. Chip technology is already used in other countries and now becoming popular in the U.S. Your new chip card provides enhanced security and is easier to use at international locations.
 
Q. How is this card different from a magnetic stripe card?
A. A chip card looks just like a traditional card with an embedded chip in addition to the standard magnetic stripe. Rather than swiping your card, you will insert your chip or tap your card to complete the transaction.
 
Q. How does chip technology work?
A. Every transaction with a chip card has unique data in it. Chip transactions are dynamic and different each time you use the card, which helps prevent fraudsters from being able to create counterfeit chip cards. Please note your card has both a chip and a magnetic stripe on it so that you can still use your card at terminals that don’t accept chips, but magnetic stripe transactions are static and do not offer the same security as chip transactions.
 
Q. Where can I use my new card?
A. Use your chip card at the exact same merchants you do now by inserting the card into card terminals that are chip enabled, or swiping your card at merchant locations that have not yet switched to chip-enabled card terminals. You can also continue to use your card as you did before for online payments, telephone payments, and at ATMs.
 
Q. Is there any cost to me?
A. No, your new card will have no annual fee, just like the card it replaces.
 
Q. If I have multiple accounts, will each account receive a new card?
A. Yes. Each personal checking account with a Visa® debit card linked to it will be reissued a new Bar Harbor Bank & Trust Debit Mastercard®.
 
Q. If I receive more than one card, how will I be able to tell which checking account it is linked to?
A. Simply call customer service at 1-888-853-7100. A representative will be happy to assist you.
 

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.