Personal Checking Accounts Comparison

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$25 minimum to open any checking account

Simple Checking

E-Choice Checking

Preferred Checking

Monthly Service Charge

None $6 – Waived when you enroll in eStatements $8 – Waived if you do one of these 3 things:
  1. Maintain an average daily balance of $500 or more in your account,
  2. Maintain a combined balance of $50,000 or more in all consumer deposit accounts, or
  3. Maintain a total consumer loan balance of $100,000 or more.

Earns Interest

No Yes, tiered 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

Other Perks

No When you complete the four steps listed above, you will get up to $25 in ATM fee rebates. Eligible for special CD rates. Ask a Customer Service Representative for details.

CashBack Rewards1

No Yes, earn $0.10 cash back with every purchase you make with your Bar Harbor Bank & Trust CashBack Rewards Debit Mastercard® Yes, earn $0.10 cash back with 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 network2

Yes Yes Yes

Free access to Bar Harbor Mobile3 and Bar Harbor Online3

Yes Yes Yes

Free Bar Harbor Bank & Trust Debit Mastercard with EMV Chip technology

Yes Yes Yes

Check Images Available

Yes, in online banking Yes, included on statement and in online banking Yes, included on statement and in online banking

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1 CashBack Rewards is available to E-Choice Checking and Preferred Checking customers only. See Consumer Debit Card Agreement for full terms and conditions.
2 Fees may apply to ATMs used outside of Bar Harbor Bank & Trust's ATM network.
3 Mobile and/or internet carrier fees may apply

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