Bar Harbor Bank & Trust has a pretty decent selection of account options. To find out if Bar Harbor Bank & Trust is right for you, continue reading the review below.
All of their checking and savings accounts have the same opening deposits, even their money market only requires just $25 to open!
They also provide their own debit card that can earn cashback every time you make a purchase with it!
Checking Account Options
Bar Harbor Bank & Trust has a few selection of checking accounts that comes with various benefits and low balance requirements. Some accounts can even earn cashback!
You can open this checking account with just $25!
This account is designed for everyday use so there are no monthly fees nor minimum balance requirements to worry about.
An online interest bearing checking account that can be opened with $25.
There is a small fee of $6, but you can waive it by enrolling in eStatements.
You can also receive cashback rewards when you make transactions with you Bar Harbor Bank & Trust.
With every purchase, you will earn $0.10 back!
This is considered a premium interest earning checking account as you will receive more discounts and benefits.
You only need $25 to open and you can also earn cashback rewards when you use your debit card.
There is, however, an $8 monthly fee, but you can waive it if you maintain a daily balance of $500.
Compare Checking Accounts
 • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities • Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere. • Chase Overdraft AssistSM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* • Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock. • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law. • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. |
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Savings Account Options
Bar Harbor Bank & Trust has two savings accounts that both earn competitive interest rates and vary in opening deposits and balance requirements.
A standard savings account that will require an opening deposit of $25.
To waive the $3 monthly fee, you will only need to keep a daily balance of $100!
You can also link this savings account to any of your Bar Harbor Bank & Trust checking account to get your funds automatically transferred over.
This savings account is actually a holiday savings account that you can set aside for vacations or other expenses!
This account requires no opening deposit, no monthly fees nor minimum balance requirements!
You can even also set up automatic transfers from one account to another while earning interest.
Compare Savings Accounts
 Open a Discover® Online Savings Account for all these features: • Earn $200/$150 Bonus with promo code LOP325 by 9/11/2025 • Earn high interest rate of 3.50% APY • No minimum opening deposit, no minimum balance requirement, and now no fees • Interest on Discover Online Savings Accounts is compounded daily and credited monthly • Manage your account online or with the Discover mobile app • FDIC insurance up to $250,000 • See advertiser website for full details To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code LOP325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200. What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. |
Money Market Account Options
Money Market accounts allow for a higher yield and gives access to your funds with either checks or a bankcard.
Bar Harbor Bank & Trust has one money market that earn competitive, tiered interest rates.
Bar Harbor Bank & Trust Money Market
- Open this account with just $25!
- Earns tiered interest rates
- There is a monthly service of $10, but you can waive it by keeping a daily balance of $1,000
- Link this money market to a checking account to automatically transfer funds
- Free eStatements and paper statements
Compare Money Market Accounts
 • Get started and open a Discover® Money Market Account in 3 easy steps. • Available nationwide online • Earn high yields with flexible access to your cash. • Earn 3.45%% APY balances $100,000 and over • Earn 3.40% APY balances under $100,000 • No hidden fees. No surprises. • Easy cash access via debit or check, or via ATM at over 60,000 no-fee ATMs |
CD Account Options
Bar Harbor Bank & Trust offers CDs that earn competitive interest rates. You can open each CD with $500.
The terms range from 1 month to 5 years and will automatically renew upon maturity.
You can also make incremental deposits of $250 for terms of 1-11 months.
There is also an option of an Advantage CD, which is pretty much a jumbo CD since you will need a minimum deposit of at least $10,000 to open.
These terms range from 1-9 months.
Compare CD Accounts
• Available nationwide online, Discover® offers CDs with some of the highest & most competitive rates! with select terms as short as 3 months up to 120 months • Rates ranging from 2.00% APY up to 4.00% APY. • Opening a Discover Bank Certificate of Deposit is extremely quick and easy. • Funds on deposit are FDIC-insured up to the maximum allowed by law. • Get started and open a Discover CD in 3 easy steps. |
Reasons to Bank with Bar Harbor Bank & Trust
- Their savings and money market accounts earn a pretty high APY.
- All their accounts are tiered, so interest grows overtime.
- You can earn cashback rewards whenever you use your Bar Harbor Bank & Trust debit card.
- You can link your checking accounts to Statement Savings for automatic funds transferring.
- Has both standard CDs and Advantage CDs (Jumbo).
- Conduct all your banking online or with the Bar Harbor Bank & Trust mobile app.
- Offers a 24-hour banking service line.
Reasons Not to Bar Harbor Bank & Trust
- They are only located in Maine, New Hampshire and Vermont with 49 branches scattered about in total.
- The monthly fee on their Convenient Checking with Interest account is not completely waiveable.
- Lacking a senior, youth or health checking and savings account.
Bar Harbor Bank & Trust Routing Number
The routing number for Bar Harbor Bank & Trust varies based on regions or locations. To find your routing number, check the lower left hand corner of your Bar Harbor Bank & Trust check.
Contact Customer Service
You can reach Bar Harbor Bank & Trust at 888-853-7100.
To speak to a customer representative, their business hours are:
- Monday to Friday at 7:30 a.m. – 5:30 p.m.
- Saturday at 8:00 a.m. – 12:00 p.m.
They also have a 24-hour banking service line that you can call at 888-638-1950.
How Bar Harbor Bank & Trust Compares
- Chase Bank: Chase is one of the biggest banks in the U.S and offers just about almost everything. Compared to its other competitors, Chase offers much more checking account options.
- Discover Bank: Discover Bank is also an online nationwide bank that offers bonuses for their checking and savings accounts! You can earn cash back rewards when you open a checking account and generous bonuses for opening a savings one.
- Wells Fargo: Located throughout the US with over 5,800 branches and 13,000 ATMs. They offer a variety of deposits accounts, including accounts for teens and customers who need a second chance.
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Bottom Line
If you happen to live in Maine, New Hampshire or Vermont and want to maximize your spending, then perhaps consider Bar Harbor Bank & Trust to help with that.
When you link your checking account to Statement Savings, you can easily transfer funds for future expenses, or you can open a Savings Transfer Club to put funds towards holidays and vacations.
However, keep in mind that when you look for a checking or savings account be sure to look into all the fees charged. Don’t focus on the interest rate alone, but on what the account will cost you overall.
If Bar Harbor Bank & Trust has the variety and options you’re looking for, apply today! Keep up with the latest promotions from Bar Harbor Bank & Trust.
For more options from a variety of banks, see our list of the best bank promotions!
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