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Treasury Services

Simplify the Financial Management of Your Business

Looking for information about the transition to ISO 20022 for domestic wires? Click here.

At Bar Harbor Bank & Trust, we can help make managing your business easier. With a suite of treasury management and payable processing services, we can help you improve efficiency, maximize cash flow, and decrease risk, using the latest technology.

We offer customized tools and services to accommodate the needs and price point of any business, from sole proprietors to large corporations. Here’s how it works:

  • A Treasury Services expert will meet with you to learn more about your business and needs.
  • After completing a detailed analysis, our Treasury Services team will recommend a Business Cash Management strategy specifically designed for you.
  • We will work with you to tweak and perfect this package to help save you time, increase profitability, and make your cash work harder for you.

Services

Effective cash management is vital to the well-being of your business. We can provide you with tools that make managing your business’s incoming and outgoing cash flows easy and efficient.

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Over 50 Branch Locations
across Maine, New Hampshire, and Vermont with night drop services

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Credit Card Processing Services
including terminal, POS, online, and mobile solutions

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Credit and Debit Cards
to make payments quickly and manage expenses

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ACH and Wire Capabilities
for sending and receiving payments, domestic and international

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Bar Harbor Bill Pay
easily pay vendors

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Courier Services
for getting cash and checks
to the bank quickly

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Remote Deposit Capture
to make check deposits daily right from your office

Streamline your day-to-day cash management with customized solutions using the latest technology. We make it easy to check your daily cash position, quickly move money, and reconcile accounts.

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Bar Harbor Business Online
secure token access and customizable user levels

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Bar Harbor Mobile
plus mobile check deposit for qualified users

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Text and Telephone Banking
when you want to do things ‘old school’

Having the best treasury management system means keeping your money safe from unauthorized access and theft. We have several tools to help protect against fraud, but the best defense is internal controls and procedures. Read our “Guide to Online Threats, Controls and Best Practices” to be sure you are implementing best practices to keep your money secure.

Balancing the liquidity demands of daily cash operations with getting the best return on your excess cash assets is challenging. We have solutions to help you minimize interest expense and maximize your interest income, helping you remain liquid but get a favorable rate of return.

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ACH Debit Filter/Block
stop unauthorized electronic debit transactions

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Positive Pay
detect and prevent check fraud

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Bar Harbor Card Control
to mitigate fraud on your debit card

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Automated Sweep Services
lower borrowing costs and maximize interest earned

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FDIC Insured Investments
easy access to multi-million dollar coverage









When opening an account at Bar Harbor Bank & Trust, the Beneficial Owner(s) Certification Form must be completed by an individual authorized to open accounts or provide information on behalf of the legal entity. Visit the Beneficial Ownership Certification page to learn more and download the form.


Customer Testimonials

Hear what our customers have to say about Treasury Services at Bar Harbor Bank & Trust.

Capital Well

As Accounting Manager, Dennis needed solutions for his time management challenges. We have the sophisticated tools to streamline your day-to-day cash management and increase productivity and profitability.

S.W. Cole

S.W. Cole wanted to add a new capital-intensive business line. They turned to Bar Harbor Bank & Trust for our lending expertise and local decision making.

Our Team

Our team of experienced professionals work together with you to design the right solutions to meet your needs and increase the productivity and profitability of your business. Get started today by contacting our Treasury Services team. Simply email treasuryservices@barharbor.bank.

Jennifer Seekins

Jennifer Seekins
SVP, Treasury and Payment Services Manager

  • 25+ years of experience working in the financial services industry
  • Since 1999 has been working with businesses, using financial solutions to help meet goals
  • For over 15 years helping corporations, non-profits, and municipalities with their cash management needs increasing productivity, profitability, and security
  • Certified Treasury Professional
  • Joined Bar Harbor Bank & Trust in 2019
Jamie Haining

Jamie Haining
VP, Payment Services Team Leader

  • Banking career of almost 15 years
  • Provides the best solution for businesses in need of Credit Card Processing and Treasury Services solutions
  • Holds accreditation as an Automated Clearing House (ACH) Professional and Electronic Transaction Association Certified Payments Professional designation
  • Joined Bar Harbor Bank & Trust in 2019

Alicia Napolitano

Alicia Napolitano
VP, Senior Treasury Services Officer

  • 18+ years of experience serving businesses
  • Expertise in maximizing cash flow and enhancing financial performance
  • Holds Accredited ACH Professional (AAP) Certification from the National Automated Clearinghouse Association, a National Check Professional (NCP) certification from the Electronic Check Clearing House Organization and is a Certified Treasury Professional (CTP) through the Association for Financial Professionals
  • Joined Bar Harbor Bank & Trust in 2024
Susan Ordway

Susan Ordway
AVP, Treasury Services Portfolio Manager

  • Over 25 years of banking experience with a focus in business solutions
  • Skilled in helping businesses improve their efficiency, maximize cash flow, and decrease risk
  • Graduate of the New England School of Financial Studies at Babson College and is an Accredited ACH Professional (AAP)
  • Joined Bar Harbor Bank & Trust in 2022

Mike Woodbury

Michael Woodbury
VP, Treasury Services Officer

  • Experienced banker with a 15-year career in financial services
  • A well-rounded banking professional with experience in Retail Banking, Bank Operations, Consumer & Small Business Lending, and finding efficiency through digital banking
  • Graduate of University of New Hampshire with a bachelor's degree in Management & Policy
  • Joined Bar Harbor Bank & Trust in 2020
Amy Chamberlin

Amy Chamberlin
AVP, Treasury and Payment Services Officer

  • Experienced banker with a 20-year career in financial services
  • Skilled at recommending financial solutions to meet customer needs and explaining banking services in an easy to understand fashion
  • Well versed in Credit Card Processing solutions
  • Joined Bar Harbor Bank & Trust in 2018

Tamatha Laramie

Tamatha Laramie
Payment Services Officer

  • Experienced banker with a 17-year career in financial services
  • An expert at supporting customers with a well-rounded background in both Retail Banking and Business Banking
  • Skilled in helping businesses uncover their needs and finding practical solutions to help them reach their goals
  • Joined Bar Harbor Bank & Trust in 2024



Services subject to additional terms and conditions. Additional fees may apply.