Health Savings Account

Life is complicated, and at Bar Harbor Bank & Trust, we believe banking should be easy. Our free Health Savings Account (HSA) does just that - makes it easy to save for health expenses.

Our HSA account is FREE – no strings attached. That means there is no monthly service charge, whatever your balance. And you will earn tiered interest on all balances. Easily save for health expenses and enjoy simple banking your way—without a minimum balance.


  • No monthly service fee
  • Free Bar Harbor mobile banking1
  • Free Bar Harbor online banking and bill pay1
  • Free paper statements
  • Free Bar Harbor Bank & Trust Debit Mastercard®, issued to you instantly
  • $25 minimum balance to open
Image of a Health Savings Account debit card

Call our Customer Service Center at 888-853-7100 or stop by a branch location near you to learn more.

1Internet service provider fees and/or mobile carrier fees for messaging and data plans may apply

Account holder must be enrolled in an eligible high deductible health insurance plan to open a Health Savings Account. Contribution limits for Health Savings Accounts are set by the government. Catch-up contributions are allowed in certain situations for those aged 55 and over. Individuals enrolled in Medicare don’t qualify to open a Health Savings account. Interest rates subject to change. Interest compounded monthly and credited on monthly statement. Fees may reduce earnings. Account use limited to qualified medical expenses only. Overdrafts may be considered prohibited transactions that could jeopardize the HSA status of the account.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.