Business owner turning over open sign in window

Commercial Checking Accounts

At Bar Harbor Bank & Trust, we think managing your business’s banking should be easy. We offer a full range of checking accounts designed to deliver the value, service, and convenience your business demands in these competitive times. All of our business checking accounts come with the tools you need to manage your cash the way you want to.
Easy Business Checking
Designed for smaller businesses and sole proprietors. Enjoy easy banking your way.

  • No monthly service charge
  • First 150 items are free and then $0.35 per item
Relationship Business Checking
This robust relationship account makes it easy to waive the monthly service charge by allowing you to use your loan and deposit balances to waive the Monthly Service Fee.

  • No monthly service charge if you maintain a $5,000 minimum daily balance or $25,000 outstanding commercial loan balance
  • First 500 items are free and then $0.35 per item
Non-Profit Checking
We support the good work being done in our communities by local non-profit organizations and our Non-Profit Checking is built to help them achieve their goals.

  • No monthly service charge
  • No per item fees
Commercial Checking
A great option for businesses with high transaction volume. Manage your high-volume account activity using tools like electronic payments, sweeps, and remote deposit.

  • $20 monthly service charge; you can offset the service charge and other fees using your earnings credit
  • $0.55 per deposit, $0.25 per debit paid, $0.14 per deposited item

All of our checking accounts offer:

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Online Banking

From a single log in, check your account balance, transfer funds, view eStatements, pay bills, and much more.

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Mobile Banking

The free1 app for web-enabled mobile devices like smartphones and tablets lets you bank safely and securely from anywhere.

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Bar Harbor Card Control

This free app allows you to monitor your debit card usage, turn your card on and off, set custom alerts, and more.

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Apple Pay & Google Pay

Store your Bar Harbor Bank & Trust Debit Mastercard® in your smartphone and pay right from your phone.

Compare Checking Accounts

Account Features Easy Business Checking Relationship Business Checking Commercial Checking Non-Profit Checking
Minimum to Open $100 $100 $100 $100
Monthly Service Charge No $10 $20 No
Ways to Waive the Monthly Service Charge N/A Maintain a $5,000 minimum daily balance or a $25,000 outstanding commercial loan balance Earnings credit may offset monthly service charge and fees N/A
Free Item Limit (debit or credit) 150 500 N/A N/A
Fee Per Item (debit or credit) After Free Limit $0.35 $0.35 $0.55 per deposit/$0.25 per debit paid/$0.14 per deposited item None
Earns Interest No No No No
Cash Handling Fee None None None None
Free access to Bar Harbor Mobile and Bar Harbor Online1 Yes Yes Yes Yes
Free Bar Harbor Bank & Trust Debit Mastercard® with EMV Chip Technology Yes Yes Yes Yes
Paper Statement Fee $3 (waived when you enroll in eStatements) No No No
Check Images Available Online banking only Included on statement and in online banking Included on statement and in online banking Included on statement and in online banking
Need help deciding on what account is best for you? Try our Account Finder tool.

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.

1 Internet service provider fees and/or mobile carrier fees for messaging and data plans may apply.
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.
Apple, the Apple logo, Apple Pay, and the App Store are registered trademarks of Apple Inc., registered in the U.S. and other countries and regions. Google Play, the Google Play logo, Google Pay and the Google Pay logo are registered trademarks of Google LLC.