Bar Harbor Bank & Trust Bonuses: $100, $200, $400 Checking, Business, Referral Promotions (ME, NH, VT)

Find the most recent Bar Harbor Bank & Trust bonuses, promotions, and offers here.

Update 2/20/26:

• There’s currently a $200 and $400 personal checking bonus offer and a $400 business checking bonus available through 2/28/26.
• The $100 referral bonus is still alive and well. Feel free to leave a comment to refer our readers.

Bar Harbor Bank & Trust Bonuses Review

Founded in 1887, Bar Harbor Bank & Trust is a community bank offering a full range of financial services for individuals, families, businesses, and non-profit organizations. Featuring 14 branches in Maine and 35 branches in New Hampshire and Vermont, they recognize the unique people and culture in their area.

I’ll go over all Bar Harbor Bank & Trust offers below.

Bar Harbor Bank & Trust $400 Checking Bonus

You can receive a $400 bonus when you open a checking account and meet all the requirements.

• What you’ll get: $400 Bonus
• Eligible account: Checking Account
• Availability: ME, NH, VT (Bank Locator)
• Credit Inquiry: Soft Pull
• Direct Deposit Required: Yes
• Monthly Fee: None with Simple Checking
• How to earn it:
  • Earn $200 bonus:
    • Open a new Simple Checking Account by 2/28/26
    • Set up and receive a direct deposit of $250 or more by 4/30/26
    • Get a $200 cash bonus on or about 5/15/26
    • Use the offer code C10126A02ONLINE when you open your account.
  • Earn $400 bonus:
    • Open a new Relationship Rewards Checking Account by 2/28/26
    • Set up and receive a direct deposit of $500 or more by 4/30/26
    • Get a $400 cash bonus on or about 5/15/26
    • Use the offer code C40126A02ONLINE when you open your account.

(Expires 02/28/2026)

Fine Print

• This offer cannot be combined with any other offers.
• Offer cannot be transferred.
• Only one offer per household.
• In order to be eligible to receive $200 you must present the original postcard/coupon containing your unique offer code at account opening if opening account at a branch, or visit www.barharbor.bank/cashbonus to get an offer code and enter that offer code when opening account online.
• Open a new Simple Checking account by 10/31/25 ($25 minimum opening deposit) or another Bar Harbor Bank & Trust consumer checking account and have at least one direct deposit of $250 or more deposited into the account before 12/31/25 to receive the bonus.
• Simple Checking is a non-interest bearing account.
• Eligible direct deposits include deposits made by your employer, corporations, federal/state government agencies, or a retirement benefits administrator.
• It does not include deposits that are made to your account by an individual using online banking or an internet payment provider such as PayPal.
• Deposits made with a teller or ATM are not considered direct deposit.
• Bonuses will be credited to eligible accounts on or about 1/15/26, accounts need to be open and in good standing on that date in order to receive the bonus.
• The bonus is considered interest and will be reported to the IRS on form 1099-MISC.
• Offer available to those who have not had a consumer checking account with Bar Harbor Bank & Trust within the last 15 months.
• Customers must be a resident of Maine, New Hampshire, or Vermont to participate.
• Customers are only eligible to participate in an account opening promotion once.
• Employees of Bar Harbor Bank & Trust not eligible. Member FDIC.
• Fees could reduce earnings.
• See Deposit Account and Fee Schedule for additional fees and conditions.
• This card is issued by Bar Harbor Bank & Trust pursuant to license by Mastercard International Incorporated.

Bar Harbor Bank & Trust $400 Business Checking Bonus

You can receive a $400 bonus when you open a checking account and meet all the requirements.

• What you’ll get: $400 Bonus
• Eligible account: Business Checking Account
• Availability: ME, NH, VT
• Credit Inquiry: Soft Pull
• Direct Deposit Required: No
• Monthly Fee: $0-$10; waivable
• How to earn it:
  • Open a new Business Checking Account by 2/28/26
  • Make deposits totaling $2,500 or more into the account by 4/30/26
  • Get a $400 cash bonus on or about 5/15/26
  • Use the offer code B10126A02ONLINE when you open your account.

(Expires 02/28/2026)

Fine Print

• Important Information – $400 Business Offer
• This offer cannot be combined with any other offers.
• Offer cannot be transferred. Only one offer per business.
• Cannot be combined with other cash bonus offers.
• In order to be eligible to receive $400 you must present this letter containing your unique offer code at account opening.
• Open a new Bar Harbor Bank & Trust Easy Business Checking, Relationship Business Checking, Business Interest Checking, Nonprofit Checking, or Commercial Checking account at a Bar Harbor Bank & Trust branch by 2/28/26.
• All business checking accounts require a $100 minimum deposit to open.
• Once the qualifying account is opened, make deposits totaling $2,500 by 4/30/26 to get the bonus.
• 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 for this promotion.
• See Account Agreement and Disclosure for business checking account information and interest details. Fees could reduce earnings.
• Bonuses will be credited to eligible accounts on or about 5/15/26; accounts need to be open and in good standing on that date in order to receive the bonus.
• The bonus is considered interest and will be reported to the IRS on form 1099-MISC.
• Customers are only eligible to participate in an account opening promotion once.
• Offer available to those who have not had a business checking account with Bar Harbor Bank & Trust within the last 15 months.
• Customers must be a resident of Maine, New Hampshire, or Vermont to participate.
• Employees of Bar Harbor Bank & Trust not eligible.

Bar Harbor Bank & Trust $100 Referral Bonuses

You can receive a $100 bonus when you refer friends and family to open a checking account and meet all the requirements.

• What you’ll get: $100 Bonus
• Eligible account: Checking Account
• Availability: ME, NH, VT
• Credit Inquiry: Soft Pull
• Direct Deposit Required: No
• Monthly Fee: $0-$15; waivable
• How to earn it:
  • Open a new Bar Harbor Bank & Trust checking account within 30 days of getting referred.
  • 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.
  • Once steps 1 and 2 are complete, we will send both you and your friend $100.

(Limited time offer)

Fine Print

• 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.
• 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).

How To Waive Monthly Fees

• Simple Checking: None
• E-Choice Checking: No monthly service fee when you enroll in eStatements and have a recurring monthly direct deposit
• Relationship Rewards Checking: $15
• Statement Savings: Monthly service fee of $3 is waived if you maintain $100 minimum balance in your savings account, or combine savings account statement with your checking account statement, or if the primary account holder is under age 22
• Savings Transfer Club: None
• Money Market: Monthly service fee of $10 is waived if you maintain $1,000 minimum balance in your money market account, or combine savings account statement with your checking account statement, or if the primary account holder is under age 22
• Easy Business Checking: None
• Business Interest Checking: No monthly service charge if you maintain a $15,000 minimum daily balance
• Relationship Business Checking: No monthly service charge if you maintain a $5,000 minimum daily balance or $25,000 outstanding commercial loan balance
• Business Money Market: $10.00
• Business Statement Savings: $3.00
• Health Savings Account: None

Conclusion

I recommend you check out this offer to earn a variety of bonuses with simple requirements. This bank is great for any business! Additionally, you will have access to great account features.

Feel free to comment on this post with any questions you may have about Bar Harbor Bank & Trust, their accounts they offer, or coupon codes.

This bonus from Bar Harbor Bank & Trust is very simple to earn and I recommend taking advantage of this offer. I would also recommend checking out our best rates Savings, Money Market, and CD accounts.

• Best Savings/Money Market rates
• Best CD Account rates

If you’re not local to the area, use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, TD Bank, Huntington Bank, HSBC Bank, and many more.

Check back often for more Bar Harbor Bank & Trust Bonuses, Promotions, or Offers!