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Municipal Services

Bar Harbor Bank & Trust is proud to provide robust Treasury Services solutions to government entities across Maine, New Hampshire, and Vermont. Our comprehensive suite of services helps local municipalities save time and money by facilitating payables and receivables, preventing fraud, and maximizing earnings on working capital.

Treasury Services

Streamline Day-to-Day Cash Management

Many government functions occur outside of normal business hours. Bar Harbor Business Online banking offers the convenience of 24/7 access to information. You may assign different levels of authority and access to multiple employees, send domestic and international wires, and initiate ACH transactions including payroll direct deposit.

Learn more about Bar Harbor Business Online

Facilitate Payables & Receivables

Remote Deposit Capture1 technology offers towns the ability to deposit checks to their accounts quickly and efficiently without leaving the office. This is particularly helpful during periods of high activity.

Learn more about Remote Deposit Capture

Manage Risk

Positive Pay is designed to detect and prevent check and ACH fraud on checking accounts.

Learn more about Positive Pay

Manage Liquidity

We can help you maximize earnings on excess funds using a variety of investment options. Municipal funds in excess of the FDIC insured limit may be collateralized by the pledge of qualifying securities.

Learn more about our programs for managing liquidity

For a complimentary relationship review to better streamline your day-to-day cash management for increased profitability and productivity, email

Additional Services


All municipalities have ongoing financing needs, which can include managing cash flow, balancing the fiscal budget, purchasing new equipment, and making improvements in infrastructure.

Learn more about municipal lending solutions


Bar Harbor Wealth Management provides trust administration, investment management, financial advisory, and custodial services for municipal clients throughout Northern New England.

Learn more about our Trust Services

Requests for Proposals

When it is time to send out Requests for Proposals for banking services, Bar Harbor Bank & Trust would be pleased to respond. Simply e-mail

1 Fees may apply. Terms and conditions may apply.
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Wealth Management

We can help you create a personalized plan to help grow and protect your wealth for years to come.

Learn about wealth management