Privacy Policy

What Does Bar Harbor Bankshares Do With Your Personal Information?

Rev. Date 9/2019



Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and income
  • Account balances and payment history
  • Credit history and credit scores
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Bar Harbor Bankshares choose to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does Bar Harbor Bankshares Share? Can You Limit This Sharing?
For our everyday business purposes
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes No
For our marketing purposes
to offer our products and services to you
Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes
information about your transactions and experiences
Yes No
For our affiliates’ everyday business purposes
information about your creditworthiness
No We Don't Share
For our affiliates to market to you No We Don't Share
For nonaffiliates to market to you No We Don't Share


Questions? Call 888-853-7100 or go to www.barharbor.bank
Who We Are
Who is providing this notice? Bar Harbor Bankshares and its affiliates. Our affiliates include Bar Harbor Bank & Trust, Bar Harbor Trust Services, and Charter Trust Company.
What We Do
How does Bar Harbor Bankshares protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Bar Harbor Bankshares collect my personal information? We collect your personal information, for example, when you
  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your credit or debit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit only
  • Sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more information on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Bar Harbor Bank & Trust, Bar Harbor Trust Services, and Charter Trust Company.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Bar Harbor Bankshares does not share information with nonaffiliates so they can market to you.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners may include financial institutions with whom we jointly offer investment, insurance, and credit card services.
Other Important Information
Bar Harbor Bankshares is chartered, licensed or registered under the laws of State of Maine and is subject to regulatory oversight by the FDIC. Any consumer wishing to file a complaint against Bar Harbor Bankshares or its affiliates should contact the FDIC through one of the following means: In person, by U.S. Mail: Federal Deposit Insurance Corporation, Consumer Response Center, 1100 Walnut St, Box #11, Kansas City, MO 64106, Telephone: 800-378-9581 or 800-925-4618 TTY, or Online at www.fdic.gov/consumers/assistance/index.html. Customers can also contact the Maine Bureau of Financial Institutions at 800-965-5235 or 207-624-8570 or Online at www.maine.gov/pfr/financialinstitutions.

VERMONT RESIDENTS: Except as permitted by law, we will not share information we collect about you with nonaffiliates unless you call us at 888-853-7100 and authorize us to do so.