Logging In and Frequently Asked Questions

We are committed to providing you the best service and tools possible so that you can bank easily and the way you want. That’s why we are upgrading our online banking system, Bar Harbor Online. On October 1, 2019, you will experience a better online banking experience with the upgraded Bar Harbor Online. You will still have all the features you love, such as bill pay, account alerts, and funds transfers, but online banking will be easier than ever.

Below are login instructions and answers to frequently asked questions about the upgraded Bar Harbor Online.

Logging In to the Upgraded Bar Harbor Online for the First Time (on or after 10/1/19)

  1. Visit www.barharbor.bank and look for the Online Services Login box in the top right corner of the page.
  2. Enter your username and click Log In.
  3. Enter your password and click Sign in.
  4. Enter your email and phone number to set up two-factor authentication. Click Next.
  5. Select if you want to receive your verification code via text message, phone call, or authenticator app. Click Next.


    Note: If you choose to receive your verification code via phone call, please listen carefully to the automated call you receive and press the number indicated in the recording to hear your verification code, which will be repeated three times. Please enter your verification code into Bar Harbor Online immediately as the code will only be valid for a short period of time.

  6. Enter the verification code you receive and click Verify.

Bar Harbor Mobile users who have already set up two-factor authentication in the mobile app will not need to set it up again in the upgraded Bar Harbor Online. You will simply receive a verification code to authenticate your computer or device.

Note: Once the verification code is entered, you have the option to select “Don't ask for codes again on this computer” if you are signing in from a trusted device. By selecting this option, you avoid having to complete the verification process each time you log in from that device. For your security, we do not recommend using this feature on a shared or public computer. If you log in using a different or new device, you’ll be sent a new code to verify your identity.

Logging in for Cash Management Customers

  1. Follow the login instructions above for Bar Harbor Online.
  2. Once on the dashboard, click on the Cash Management button in the top navigation menu.
  3. Enter the six-digit access code you normally use.
  4. Click on Submit.

Frequently Asked Questions

Q. Will I need to set up a new username and password?
A. No. Your current username and password will work.

Q. What internet browser should I use?
A. Bar Harbor Online works with Chrome, Firefox, Microsoft Edge, Internet Explorer, or Safari. Ensure that your browser is regularly updated for optimal performance. For the best user experience and stronger security features, we recommend Internet Explorer users consider another supported browser.

Q. Is the upgraded Bar Harbor Online more secure?
A. Yes. Bar Harbor Online utilizes two-factor authentication, which is an added layer of security and protection. Enrollment will be required on your first log in. The RSA image will no longer be displayed during the login process.

Q. How does two-factor authentication work?
A. In addition to your password, we will ask you to authenticate your computer or device. The first time you use Bar Harbor Online after the upgrade, you will be asked to provide your email address and a phone number where you can receive a verification code by phone call, text message, or authenticator app. You will enter the code on the verification screen of Bar Harbor Online.

Bar Harbor Mobile users who have already set up two-factor authentication in the mobile app will not need to set it up again in the upgraded Bar Harbor Online. You will simply receive a verification code to authenticate your computer or device.

After initial enrollment, you will only be prompted to verify your device if you are conducting a high-risk transaction (such as adding a payee to bill pay or resetting your 2FA).

Q. Do I have to use two-factor authentication every time I log in?
A. Once the verification code is entered, you have the option to select “Don't ask for codes again on this computer” if you are signing in from a trusted device. By selecting this option, you avoid having to complete the verification process each time you log in from that device. For your security, we do not recommend using this feature on a shared or public computer. If you log in using a different or new device, you’ll be sent a new code to verify your identity.

Q. How much of my transaction history will transfer to the upgraded Bar Harbor Online?
A. Initially, you'll have access to up to 120 days of transaction history for all account types. Your history will build as more transactions occur. To see more than 120 days of history, please refer to your statements.

Q. What will happen to my scheduled payments?
A. Scheduled payments will process normally. All of your bill payees and scheduled payments will be available to you just as they are now.

Q. What about bank-to-bank transfers?
A. You will need to reestablish your recurring or future-dated external transfers in the upgraded experience. Learn how to set up transfers.

Q. Will my current account alerts be set up in the upgraded Bar Harbor Online?
A. No. You will need to reset your alerts after the upgrade on October 1, 2019. Learn how to set up alerts.

Q. Will my account nicknames be set up in the upgraded online banking experience?
A. Yes. All of your nicknames will be there, though your accounts may appear in a different order than what you expect. You can easily reorder them in the upgraded Bar Harbor Online.

Q. Are there any changes for Cash Management users?
A. Yes. You will log in to Bar Harbor Online and then click on the Cash Management tab in the top menu. You will then be prompted to log in to the Cash Management system you use today. Please see instructions above.

Q. Who do I call if I have additional questions?
A. Please call our Customer Service Center at 888-853-7100 with any additional questions.


How to Use Bar Harbor Online

Do you have questions on how to use Bar Harbor Online? Click on one of the topics below to learn more.