Personal Checking Accounts Comparison

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$25 minimum to open any checking account

Simple Checking

E-Choice Checking

Relationship Rewards Checking

Monthly Service Charge

None $6 $15

Ways to Waive the Monthly Service Charge

N/A Waived when you enroll in eStatements Keep a Combined Average Balance of $7,500 or more during your statement cycle in your personal checking, savings, or money market accounts

Earns Interest

No Yes, interest earned on all balances and offers four easy steps to qualify for a premium interest rate:
  1. Use online banking
  2. Go paperless with eStatements
  3. Use your debit card for 12 or more purchases monthly
  4. Have at least one electronic (ACH) debit or credit on the account
Yes, tiered rate

ATM Fees1

No fees at Bar Harbor Bank & Trust ATMS
$1.50 per transaction at non-Bar Harbor Bank & Trust ATMs
No fees at Bar Harbor Bank & Trust ATMS
$1.50 per transaction at non-Bar Harbor Bank & Trust ATMs
No Bar Harbor Bank & Trust fees at both Bar Harbor Bank & Trust and non-Bar Harbor Bank & Trust ATMs

Other Perks

No When you complete the four steps listed above, you will get up to $25 in ATM fee rebates.
  1. Free small safe deposit box or 50% off any other size box.
  2. Free standard Bar Harbor Bank & Trust checks
  3. Preferred rates on CDs and companion Money Market

CashBack Rewards2

No Yes, earn $0.10 cash back with every purchase you make with your CashBack Rewards Debit card Yes, earn $0.10 cash back with every purchase you make with your CashBack Rewards Debit card

Free Bar Harbor Bank & Trust Debit Card with EMV Chip Technology

Yes Yes Yes

Free access to Bar Harbor Mobile3 and Bar Harbor Online3

Yes Yes Yes

Paper statement fee

$3. Waived when you enroll in eStatements No No

Check Images Available

Yes, in online banking Yes, included on statement and in online banking Yes, included on statement and in online banking

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1Other banks may charge a fee for the use of their ATM. International ATM transaction fees apply.
2CashBack Rewards is available to E-Choice Checking and Preferred Checking customers only. See Consumer Debit Card Agreement for full terms and conditions.
3Mobile and/or internet carrier fees may apply.