Bar Harbor Bank & Trust

Overview / Commentary
82 Main Street
Bar Harbor, ME 04609

Bar Harbor Bank & Trust is headquartered in BAR HARBOR and is the 3rd largest bank in the state of Maine. It is also the 326th largest bank in the nation. It was established in 1887 and as of March of 2024, it had grown to 463 employees at 54 locations. Bar Harbor Bank & Trust has an A health rating.

Reviews (3)

Great local bank, poor mobile support

My entire family has been banking with Bar Harbor Bank & Trust for the last 8 years. Their customer service is absolutely phenomenal! They employee local residents who know the area and our family. These local connections were extremely useful as we never hesitated to call if there was a problem. However, their mobile application was basically useless. it was basically impossible to do any mobile deposits and it wasn't good at saying what the issue was. There were no fees for the checking account that I used which I greatly appreciated since I used this bank during high school when I didn't have much money in it at any one time. Their products were pretty similar to other banks around but their customer service was so top notch that I chose to keep this bank even when I moved out of state for college.

Good electronic alternative to brick and mortar bank

Posted by: |

I opened an 'E-Choice' checking with Bar Harbor Bank & Trust. They also do in person banking, but I was living out of state therefore chose the electronic option. Overall it was a pretty good experience. Customer Service was good if you called but there wasn't much guidance online for troubleshooting errors (which is unfortunate since this was an 'E-Choice'). Additionally, the web/mobile apps were pretty underwhelming. They worked, but mobile was difficult to use, especially the mobile deposit, which again made it difficult to want to use their e-checking. This made them not very competitive with other online banks. They did have fairly good interest rates however, I got interest deposits more regularly than any of my other accounts. On the plus side, there was a $6 maintenance fee associated with the account which was easy to avoid, all you needed to do was sign up for e-statements! Throughout all of my experience with banks this was the easiest fee to avoid. Overall a good account but not competitive with other online-only institutions.

Interest Not Posted Monthly Or Even Quarterly!

Posted by: |

This bank not only has terrible customer service, but the interest added to CD accounts only posts annually! That's very unusual and inconvenient!

I regret my association with this institution.


Health Grade Components

FDIC Certificate #11971
Year Established1887
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.17%
Return on Equity - YTD9.53%
Annual Interest Income$45.7MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$3.96B$3.93B
LoansQ1 2024vs Q1 2023$2.99B$2.92B
DepositsQ1 2024vs Q1 2023$3.14B$3.06B
Equity CapitalQ1 2024vs Q1 2023$487.6MM$461.4MM
Loan Loss AllowanceQ1 2024vs Q1 2023$28.4MM$26.6MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$6.8MM$7.8MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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Bar Harbor Bank & Trust Savings Account Rates

0.05%$0-Statement Savings

Bar Harbor Bank & Trust Checking Account Rates

0.10%$0-E-Choice Checking
0.01%$0-Relationship Rewards Checking

Bar Harbor Bank & Trust CD Rates

4.50%$1k-9 Month CD Special with Relationship Rewards Checking account
4.00%$1k-13 Month CD Special with Relationship Rewards Checking account
2.75%$500-5 Month CD Special with Checking Account

Bar Harbor Bank & Trust IRA Rates

4.50%$1k-9 Month IRA Special Relationship Rewards Checking Account
4.00%$1k-13 Month IRA Special Relationship Rewards Checking Account
2.75%$500-5 Month IRA Special with Checking Account
0.89%$5k-5 Year 5-5-5- IRA Special


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