Personal Checking Accounts
Life is complicated, but banking doesn't have to be. At Bar Harbor Bank & Trust, we offer checking accounts that let you bank the way you want to.
Account Types
Simple Checking
A FREE checking account. No monthly maintenance fee, whatever your balance. Write checks, bank online, or access your account anytime, anywhere with our free mobile app. Simple banking your way — without a minimum balance.
- 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 paper statements, eStatements available
- Free Bar Harbor Bank & Trust Debit Mastercard®
- $25.00 minimum deposit to open
E-Choice Checking
Bank the way you do today and reap the rewards. Sign-up for eStatements, and there are no balance requirements or monthly maintenance fees2. Plus, when you use your CashBack Rewards, you get cash back on every debit card purchase you make.
- Earn $.10 cash back with every purchase you make with your Bar Harbor Bank & Trust CashBack Rewards Debit Mastercard.
- Free CashBack Rewards Debit Mastercard® debit card
- Free Bar Harbor mobile banking with mobile check deposit1
- Free Bar Harbor online banking and bill pay1
- 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
Preferred Checking
Our best account provides more rewards. More interest. More discounts and more benefits. It is our way of saying “thanks” for banking with us.
- Earn tiered interest on your checking account
- Eligible for special CD rates
- Earn $.10 cash back with every purchase you make with your Bar Harbor Bank & Trust CashBack Rewards Debit Mastercard.
- Free Bar Harbor mobile banking with mobile check deposit1
- Free Bar Harbor online banking and bill pay1
- Free paper statements, eStatements available
- Monthly service fee of $8 is waived if you maintain $500 average daily balance in your checking account, or $50,000 in consumer deposits, or consumer loans of $100,000+
- $25.00 minimum deposit to open
Services
All of our checking accounts offer:
From a single log in, check your account balance, transfer funds, view eStatements, pay bills, and much more.
The free app for web-enabled mobile devices like smartphones and tablets lets you bank safely and securely from anywhere.
This free app allows you to monitor your debit card usage, turn your card on and off, set custom alerts, and more.
Store your Bar Harbor Bank & Trust Debit Mastercard in your smart phone and pay right from your phone.
Customer Resources
1 Internet service provider fees and/or mobile carrier fees for messaging and data plans may apply.
2 E-choice Checking has a $6 month service fee. This fee is waived when the account receives eStatements.
3 Each month, E-Choice Checking accounts qualify to earn a premium interest rate of 1.75% Annual Percentage Yield (APY) 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 9/1/18. 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.
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