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Savings Accounts

Our savings accounts make it easy for you to save for your goals – whether it’s building up an emergency fund, buying a house, or going on vacation. Whatever your goal, we can help you get there with savings accounts designed to meet your needs. Check out our savings account options to find the one that’s right for you.

Statement Savings
A simple savings account that offers easy access to your money and earns interest, this account is a great way to start saving.

  • Earn interest with tiered rates1
  • Monthly service fee of $3 is waived if you maintain $100 minimum balance in your savings account, or combine savings account statement with your checking account statement, or if the primary account holder is under age 22
  • $25 minimum balance to open
  • Connect it to your checking account to sweep funds automatically if overdrawn2
  • Free ATM card3
  • Free paper statements and eStatements available
  • Ability to make free transfers2
  • The security of FDIC protection
Savings Transfer Club
A super convenient way to save for planned annual expenses like holiday shopping or taxes. Simply set up automatic transfers from another Bar Harbor Bank & Trust account to this account, and you’ll earn interest on your money. Once a year, the balance will be deposited back into your checking account for your use.

  • No minimum balance to open
  • No monthly service charge
  • Earns interest on all balances1
  • ATM or debit card not available on this account
Money Market
A Money Market account is a type of savings account that provides easy access to your cash with better interest. With a Money Market account, you can earn better returns on your cash while still having the same easy access to your money you would expect from a traditional savings account.

All Savings Accounts come with these convenient services:

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Online Banking4

From a single login, check your account balance, transfer funds, view eStatements, pay bills, and much more.
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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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The free app for web-enabled mobile devices like smartphones and tablets lets you bank safely and securely from anywhere.

Enroll in eStatements to receive your statements the day they are released.
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Mobile Check Deposit
(for qualified users)4, 5, 6

Deposit checks electronically to your account using your smartphone.

1 Interest rate effective as of 04/01/24 and subject to change without notice. Interest is compounded monthly and paid at statement cycle. Other fees may apply. Fees may reduce earnings.
2 Fees may apply.
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.
5 Customers are considered eligible to use mobile deposit after enrolling in Online Banking and Mobile Banking and enrolling in mobile deposit. Once enrolled in mobile deposit, there may be a waiting period prior to mobile deposit being enabled within the mobile banking app. For full details about Bar Harbor Online and Bar Harbor Mobile, view the Online Banking Agreement & Disclosure found at
6 Mobile deposit limits apply.

Bank Deposits such as Savings and Money Market accounts are insured by the FDIC up to the applicable limits.