Welcome to Bar Harbor Bank & Trust

A. Woodsville Guaranty Savings Bank officially became Bar Harbor Bank & Trust on August 1, 2025, and you are now a Bar Harbor Bank & Trust customer. At this time, you can continue banking as you do today. For now, you can continue to use Woodsville Guaranty Savings Bank Online Banking, checks, and debit cards.

On October 14, 2025, your accounts will transition to Bar Harbor Bank & Trust products. We will mail you a Welcome Kit in September with detailed information and next steps to help you prepare for October 14.

A. On October 14, your accounts will convert to Bar Harbor Bank & Trust products. Our teams will be working to convert accounts during the weekend of October 11 to 13, 2025, and will do everything possible to minimize disruption for you.

Until October 14, you can continue to bank as you do today. In September, we will send you a Welcome Kit detailing what to expect when your accounts convert and any actions you need to take.

A. Yes, all branches will remain open with the same hours. You’ll continue to see the same familiar faces at your local branch after the merger is complete.

A. You can contact your local Woodsville Guaranty Savings Bank location or Woodsville Guaranty Savings Bank’s Customer Service Center at 603-747-2735 for assistance.

A. In September, Bar Harbor Bank & Trust will mail you a Welcome Kit with detailed information about your new accounts, features, and benefits and instructions to help you prepare for the transition. For additional information, please visit barharbor.bank or stop by any existing Bar Harbor Bank & Trust branch.

A. Once account conversion is complete in October, customers will have access to 30 Bar Harbor Bank & Trust locations throughout New Hampshire, over 30 Bar Harbor Bank & Trust locations in Maine and Vermont, as well as Bar Harbor Bank & Trust ATMs, Bar Harbor Mobile*, Bar Harbor Online*, telephone banking*, and our Customer Service Center. To learn more about our locations and these services, visit our website at barharbor.bank.

A. For the six months immediately following August 1, 2025, any funds previously held at Woodsville Guaranty Savings Bank will be separately insured from any accounts previously held at Bar Harbor Bank & Trust. The FDIC will insure each portion of deposits for $250,000. Remember that deposits held at a bank in different “ownership categories” — such as joint, single, and retirement accounts — are separately insured to at least $250,000. For example, after the transition, you could have up to $250,000 in single accounts and up to $250,000 in your share of joint accounts and still be fully insured.

A. Yes, you may continue to use your accounts, checks, debit cards, online/mobile banking, and other services like usual until account conversion on October 14.

A. For now, there’s nothing you have to do, your direct deposits will continue as usual. If any future account number changes are needed, you will receive communication from us well in advance so you can update your direct deposit information.