Life can be complicated, but banking doesn't have to be. At Bar Harbor Bank & Trust, we offer checking accounts that let you bank the way you want to.

All of our Personal Checking Accounts offer:

You have 24/7/365 access to your bank accounts to check your balances, transfer funds, view eStatements, pay bills, set up alerts and much more.

This free4 app allows you to lock or unlock your debit card for purchases, select geographic locations where your card can be used, set transaction spending limits, set up transaction alerts, and more.

The free4 app for web-enabled mobile devices like smartphones and tablets lets you bank safely and securely from anywhere. Check your balances, transfer funds, view eStatements, pay bills, and even deposit a check whenever you wish.

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

Zelle®
Quickly and easily send money to friends and family with Zelle. Available in our mobile app.
Compare Checking Accounts
$25 minimum to open any checking account | Simple Checking | E-Choice Checking | Relationship Reward Checking |
Monthly Service Charge | None | $6 | $15 |
Ways to Waive the Monthly Service Charge | N/A | Waived when you enroll in eStatements and have a recurring monthly direct deposit | Keep a combined Minimum Daily Balance of $7,500 or more in your personal checking, savings, and money market accounts |
Earns Interest | No |
Yes, interest earned on all balances and offers four easy steps to qualify for a premium interest rate:
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Yes, tiered rate |
ATM Fees3 | No fees at Bar Harbor Bank & Trust ATMs. $2.00 per transaction, balance inquiry, and transfer at non-Bar Harbor Bank & Trust ATMs. | No fees at Bar Harbor Bank & Trust ATMs. $2.00 per transaction, balance inquiry, and transfer at non-Bar Harbor Bank & Trust ATMs. | No 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 |
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CashBack Rewards | No | Yes, earn $0.05 cash back on every purchase you make with your Bar Harbor Bank & Trust CashBack Rewards Debit Mastercard® | Yes, earn $0.05 cash back on every purchase you make with your Bar Harbor Bank & Trust CashBack Rewards Debit Mastercard® |
Free access to Bar Harbor Bank & Trust's convenient branch and ATM network | Yes | Yes | Yes |
Free access to Bar Harbor Mobile4 and Bar Harbor Online4 | Yes | Yes | Yes |
Free Bar Harbor Bank & Trust Debit Card with EMV Chip Technology | Yes | Yes | Yes |
Paper statement fee | $3.00. 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 |
Need help deciding on what account is best for you? Try our Account Finder tool.
1 E-choice Checking has a $6 month service fee. This fee is waived when the account receives eStatements and a monthly direct deposit into the account.
2 Each month, E-Choice Checking accounts qualify to earn a premium interest rate on the first $10,000 and up to $25 in ATM fee refunds when all of these monthly qualifiers are met: use your debit card for at least 12 purchases (excludes pending and ATM transactions); have at least one electronic (ACH) credit or debit on the account; access online banking at least once during the statement cycle; and sign up and remain enrolled in eStatements. Fees may reduce earnings on the account. Interest is compounded monthly and paid at statement cycle. Interest rates are subject to change without notice. See the Consumer Debit Card Agreement for full terms and conditions of CashBack Rewards.
3 Other banks may charge a fee for the use of their ATM. International ATM transactions fees apply.
4 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. 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. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Terms and conditions apply.