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You could earn $100* thanks to your friend!


Now that your friend has referred you to open a new checking account at Bar Harbor Bank & Trust, all you need to do is follow the steps below and we will send you $100.

  1. Open a new Bar Harbor Bank & Trust checking account within 30 days of getting referred.
  2. Make a qualifying deposit(s):
    • For personal accounts: Have a direct deposit* of $250 or more into the account within 90 days of account opening.
    • For business accounts: make deposits totaling $2,500 or more into the account within 90 days of account opening.
  3. Once steps 1 and 2 are complete, we will send both you and your friend $100.

Open your new account online to get started.

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Prefer to open your account in person? No problem! Click below to find a branch near you.

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*Full terms and conditions:

The Referral. Any Bar Harbor Bank & Trust (“The Company”) customer (a “Referrer”) residing in ME, NH or VT who has registered for the Refer-a-Friend program can make a referral by providing the email address of a friend at https://refer.barharbor.bank. By providing the email address, the Referrer authorizes Bar Harbor Bank & Trust to send an email on the Referrer’s behalf to the individual or business (a “Referred Person” or “Referred Business”) inviting them to switch to Bar Harbor Bank & Trust. If the Referred Person or Referred Business earns a Reward Card, the Referrer will receive a $100 Reward Card for the referral.

To earn a $100 Reward Card, the Referred Person must:

Within 30 days of receiving the referral:

  • Register for the program* (using the referral email); and
  • Open a new Bar Harbor Bank & Trust personal checking account. $25 minimum to open. Referred Person, is not eligible for program if they are an existing Bar Harbor Bank & Trust checking customer or have had a Bar Harbor Bank & Trust checking account in the past 18 months.
  • To be eligible, the Referred Person must use the same email used during the referral when opening their account. If an account is a joint account, the email address associated with the primary accountholder will be used.

Within 90 days of opening the new account:

  • Referred Person must complete a direct deposit of $250 or more into the account (Eligible direct deposits include deposits made by an employer, corporations, federal/state government agencies, or a retirement benefits administrator. It does not include deposits that are made to accounts by an individual using online banking or an internet payment provider such as PayPal or Venmo. Deposits made with a teller or ATM are not considered direct deposit.) If the direct deposit requirement is met we will send both the “Referrer” and the “Referred Person” a $100 stored value card. Stored value cards will be sent to the email provided when registering.

To earn a $100 Reward Card, the Referred Business must:

Within 30 days of receiving the referral:

  • Register for the program* (using the referral email); and
  • Open a new Bar Harbor Bank & Trust business checking account. $100 minimum to open. Referred Business, is not eligible for program if they are an existing Bar Harbor Bank & Trust checking customer or have had a Bar Harbor Bank & Trust checking account in the past 18 months.
  • To be eligible, the Referred Person must use the same email used during the referral when opening their account.

Within 90 days of opening the new account:

  • Referred Person must make deposits totaling $2,500 or more into their new Bar Harbor Bank & Trust business checking account. (Eligible deposits include check, cash, or electronic deposits made into the checking account. Transfers from an existing Bar Harbor Bank & Trust checking account are not considered eligible deposits) If the deposit requirement is met we will send both the “Referrer” and the “Referred Business” a $100 stored value card. Stored value cards will be sent to the email provided when registering.

*Note, you must register before opening the account. Visit www.barharbor.bank/checking and www.barharbor.bank/businesschecking to review checking account options.

Eligibility and Exclusions. You must be a legal resident of Maine, New Hampshire, or Vermont and at least 18 years old to participate in the Bar Harbor Bank & Trust Refer a Friend program and use the Site. Referrer must be a Bar Harbor Bank & Trust customer with a current Bar Harbor Bank & Trust checking account. Employees of Bar Harbor Bank & Trust, or affiliates are not eligible. Bar Harbor Bank & Trust may report the value of the bonus to the IRS; a 1099 may be issued. If ineligible for any reason, no notice or reward will be provided. Offer subject to change without notice — including special offers. This offer cannot be combined with any other offers.

Reward Cards. If a valid referral is made, the Referrer and Referred Friend will each receive a $100 stored value card sent virtually to the emails provided during the referral process. Restrictions may apply. Rewards are subject to verification. The Company may delay a reward for the purposes of investigation. The Company may also refuse to verify and process any transaction for any reason.

Maximum Reward. Participants can receive up to $500 per calendar year in referral rewards (5 successful referrals per year). If one recipient receives more than one referral, only the first Referrer to send a referral (according to Bar Harbor Bank & Trust's records) may receive a reward. The Referred Person or Referred Business may only receive one reward for accepting a referral but can receive rewards as a Referrer for making other referrals. This offer may not be combined with other offers and may end or be changed without notice.

Status of Incentive. By participating in the program, each party waives all rights of privacy and confidentiality relating to their status as a Bar Harbor Bank & Trust customer, and releases Bar Harbor Bank & Trust and its employees from all liability in this respect. The Referred Person and Referred Business authorize Bar Harbor Bank & Trust to disclose their program status to the Referrer at https://refer.barharbor.bank (i.e., what requirements have been met, if any).

© 2023 Bar Harbor Bank & Trust. Member FDIC.