Risk and Liquidity Management


We can help you protect your business’s assets by mitigating risk and managing liquidity. These services provide added stability and security to your business’s finances. We can help you with:

ACH Debit Filter/Block

Use this service to stop unauthorized ACH debits from posting to your account. ACH Debit Filter screens incoming ACH transactions to identify unauthorized debit transactions, helping reduce the risk of fraud. This proactive approach ensures only approved transactions post to your account.

Positive Pay

Positive Pay detects and prevents check and ACH fraud on checking accounts. This automated fraud detection tool matches the account number, check number, and dollar amount of each check presented for payment against a list of checks previously authorized and issued by the company.

Bar Harbor Card Control

This free1 app allows you to monitor your debit card usage, turn your card on and off, set custom alerts, and more. Use Bar Harbor Card Control to protect your money and control your card, right from your smartphone.

Learn more about Bar Harbor Card Control

Automated Sweep Services

These services allow you to use your cash effectively between accounts and lines of credit. Here is a list of sweep arrangements and how they work:

Overnight Investment Sweep

A primary business or municipal checking account is tied to an investment account. Funds are swept from the checking account overnight to the investment account to increase interest earnings. Funds are swept back into the checking account the following morning for operations.

Line of Credit Sweep

A primary business checking account is tied to a line of credit. Funds are swept from the checking account overnight to pay down the line of credit balance, reducing interest expense. Funds are swept back into the checking account the following morning for operations.

Dual Sweep Investment Accounts2

A combination of Sweep to Line and Sweep to Investment Account services. This strategy both minimizes interest expense and maximizes interest income.

Zero Balance Accounts

Funds from sub‐accounts can be transferred to or from a primary deposit account. Zero balance accounts are funded with just enough to cover checks presented. This cash pooling strategy eliminates excess balances in separate accounts, maintains greater control over disbursements, and maximizes interest earnings on balances in the primary account.

Insured Cash Services

Certificate of Deposit Account Registry Service®, or CDARS® and Insured Cash Sweep® Service, or ICS®

  • Access to multi‐million dollar FDIC insurance
  • The ability to forego ongoing collateral tracking

Learn more about Insured Cash Services


Contact Treasury Services at treasuryservices@barharbor.bank or stop by the nearest Bar Harbor Bank & Trust location to learn more.











1Mobile and/or online carrier fees may apply for Bar Harbor Card Control, Bar Harbor Mobile, and Bar Harbor Online.
2Investment accounts are not insured by the FDIC, are not deposits or obligations of the Bank, and are not guaranteed by the Bank. The investment is subject to investment risk, including possible loss of the principal amount invested. All funds in cash management investment accounts are invested in investment accounts and are collateralized by United States Government or Agency Securities.

Additional fees may apply.