New Checking Customer Offers

Open a new checking account and make qualifying deposits to earn your bonus. See below for full details of each offer.

Earn $200¹ when you open and use a new Simple Checking account

Simple Checking is an easy to use account with no monthly service fee if you enroll in eStatements and no minimum balance. Simple Checking comes with these free and easy features:

• Free mobile banking with mobile check deposit⁷
• Free online banking with bill pay⁷
• Free eStatements
• Free Bar Harbor Bank & Trust Debit Mastercard^®8
• Convenient branch and ATM network in Maine, New Hampshire, and Vermont
• Friendly, personalized service
• If Simple Checking isn’t right for you, please contact us to learn about our other checking options that come with a $200¹ bonus.

How to get your $200¹:

1. Use the offer code C10126A02ONLINE when you open your account.
2. Open your account online by 2/28/26, and have a $250 direct deposit into the account by 4/30/26.
3. Once you complete steps 1 and 2, you will receive a $200 bonus on or about 5/15/26

Two Ways to Open Your Account:

1. Open your account online and enter offer code C10126A02ONLINE when prompted to sign up to get your bonus
2. Download a Coupon and Bring it to a branch near you.

Open Online

Download Coupon

Earn $400² when you open and use a new Relationship Rewards Checking account

Relationship Rewards Checking is an easy to use account with free small safe deposit box or 50% off any other size box, free standard checks, preferred rates on CDs and companion Money Market, free incoming wires, domestic and foreign, and free auto sweep from Overdraft Line of Credit. Relationship Rewards Checking comes with these free and easy features:

• Free mobile banking with mobile check deposit⁷
• Free online banking with bill pay⁷
• Free eStatements
• Free Bar Harbor Bank & Trust Debit Mastercard^®8
• Convenient branch and ATM network in Maine, New Hampshire, and Vermont
• Friendly, personalized service
• If Relationship Rewards isn’t right for you, please contact us to learn about our other checking options that come with a $200¹ bonus.

How to get your $400¹:

1. Use the offer code C40126A02ONLINE when you open your account.
2. Open your account online by 2/28/26, and have a $500 direct deposit into the account by 4/30/26.
3. Once you complete steps 1 and 2, you will receive a $400 bonus on or about 5/15/26.

Two Ways to Open Your Account:

1. Open your account online and enter offer code C40126A02ONLINE when prompted to sign up to get your bonus
2. Download a Coupon and Bring it to a branch near you.

Open Online

Download Coupon

Earn $400³ for your Business when you open and use a new Business Checking account

Bar Harbor Bank & Trust thinks managing your business’s banking should be easy. We offer a variety of checking accounts to simplify your banking. Our business checking accounts are designed to move your business forward with the financial tools you need to manage your cash the way you want - all with the support of your local community banker who is here for you whenever you need advice or support. All Business Checking accounts come with:

• Free mobile banking with mobile check deposit⁷
• Free online banking with bill pay⁷
• Free eStatements
• Free Bar Harbor Bank & Trust Debit Mastercard^®8
• Convenient branch and ATM network in Maine, New Hampshire, and Vermont
• Friendly, personalized service

How to get your $400²:

1. Use the offer code B10126A02ONLINE when you open your account.
2. Open your account online by 2/28/26, and make deposits totaling $2500 or more into the account by 4/30/26.
3. Once you complete steps 1 and 2, you will receive a $400 bonus on or about 5/15/26.

Open Your Account In-Person Today:

Download a Coupon and Bring it to a branch near you.

Download Coupon

Find a Local Branch

Important Details

1. Important Information - $200 Simple Checking Offer
This offer cannot be combined with any other offers. Offer cannot be transferred. Only one offer per household. In order to be eligible to receive $200 you must present the original postcard/coupon containing your unique offer code at account opening if opening account at a branch. Open a new Simple Checking account by 2/28/26. ($25 minimum opening deposit) or another Bar Harbor Bank & Trust consumer checking account and have at least one direct deposit of $250 or more deposited into the account before 4/30/26 to receive the bonus. Simple Checking is a non-interest bearing account. Eligible direct deposits include deposits made by your employer, corporations, federal/state government agencies, or a retirement benefits administrator. It does not include deposits that are made to your account by an individual using online banking or an internet payment provider such as PayPal. Deposits made with a teller or ATM are not considered direct deposit. Bonuses will be credited to eligible accounts on or about 5/15/26, accounts need to be open and in good standing on that date in order to receive the bonus. The bonus is considered interest and will be reported to the IRS on form 1099-MISC. Offer available to those who have not had a consumer checking account with Bar Harbor Bank & Trust within the last 15 months. Customers must be a resident of Maine, New Hampshire, or Vermont to participate. Customers are only eligible to participate in an account opening promotion once. Employees of Bar Harbor Bank & Trust not eligible. Member FDIC. Fees could reduce earnings. See Deposit Account and Fee Schedule for additional fees and conditions. Online and/or mobile carrier fees may apply for Bar Harbor Online and Bar Harbor Mobile. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. This card is issued by Bar Harbor Bank & Trust pursuant to license by Mastercard International Incorporated. Zelle and the Zelle marks used herein are trademarks of Early Warning Services, LLC.

2. Important Information - $400 Relationship Rewards Offer
This offer cannot be combined with any other offers. Offer cannot be transferred. Only one offer per household. In order to be eligible to receive $400 you must present the original letter containing your unique offer code at account opening. Open a Relationship Rewards Checking account by 2/28/26. ($25 minimum opening deposit) and have at least one direct deposit of $500 or more deposited into the account before 4/30/26 to receive the bonus. Eligible direct deposits include deposits made by your employer, corporations, federal/state government agencies, or a retirement benefits administrator. It does not include deposits that are made to your account by an individual using online banking or an internet payment provider such as PayPal. Deposits made with a teller or ATM are not considered direct deposit. Bonuses will be credited to eligible accounts on or about 5/15/26, accounts need to be open and in good standing on that date in order to receive the bonus. The bonus is considered interest and will be reported to the IRS on form 1099-MISC. Offer available to those who have not had a consumer checking account with Bar Harbor Bank & Trust within the last 15 months. Customers must be a resident of Maine, New Hampshire, or Vermont to participate. Customers are only eligible to participate in an account opening promotion once. Employees of Bar Harbor Bank & Trust not eligible. Member FDIC. Fees could reduce earnings. See Deposit Account and Fee Schedule for additional fees and conditions. Online and/or mobile carrier fees may apply for Bar Harbor Online and Bar Harbor Mobile. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. This card is issued by Bar Harbor Bank & Trust pursuant to license by Mastercard International Incorporated.

3. Important Information - $400 Business Offer
This offer cannot be combined with any other offers. Offer cannot be transferred. Only one offer per business. Cannot be combined with other cash bonus offers. In order to be eligible to receive $400 you must present this letter containing your unique offer code at account opening. Open a new Bar Harbor Bank & Trust Easy Business Checking, Relationship Business Checking, Business Interest Checking, Nonprofit Checking, or Commercial Checking account at a Bar Harbor Bank & Trust branch by 2/28/26. All business checking accounts require a $100 minimum deposit to open. Once the qualifying account is opened, make deposits totaling $2,500 by 4/30/26 to get the bonus. Eligible deposits include check, cash, or electronic deposits made into the checking account. Transfers from an existing Bar Harbor Bank & Trust checking account are not considered eligible deposits for this promotion. See Account Agreement and Disclosure for business checking account information and interest details. Fees could reduce earnings. Bonuses will be credited to eligible accounts on or about 5/15/26; accounts need to be open and in good standing on that date in order to receive the bonus. The bonus is considered interest and will be reported to the IRS on form 1099-MISC. Customers are only eligible to participate in an account opening promotion once. Offer available to those who have not had a business checking account with Bar Harbor Bank & Trust within the last 15 months. Customers must be a resident of Maine, New Hampshire, or Vermont to participate. Employees of Bar Harbor Bank & Trust not eligible.

4. $25 minimum to open. Simple Checking is a non-interest-bearing account.

5. $25 minimum to open.

6. All business checking accounts require a $100 minimum deposit to open.

7. Online and/or mobile carrier fees may apply for Bar Harbor Online and Bar Harbor Mobile.

8. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. This card is issued by Bar Harbor Bank & Trust pursuant to license by Mastercard International Incorporated.