Bar Harbor Bank & Trust is offering several limited-time cash bonuses for new checking customers. Eligible customers can earn either a $200 or $400 bonus by opening a qualifying checking account and completing a direct deposit requirement. Business customers can also earn a $400 bonus on a new business checking account.
The offer is only available locally. If you’re looking for offers available nationwide, check out our top picks here—including huge offers from Chase, CIT Bank and Axos Bank that you won’t want to miss!
Personal Checking Bonuses
Option 1: Earn $200 with Simple Checking
Bonus Amount: $200
To earn the bonus:
- Open a new Simple Checking account by August 31, 2026.
- Use promo code C10726A02ONLINE when opening your account online.
- Receive at least one qualifying direct deposit of $250 or more by October 31, 2026.
- Receive your $200 bonus on or about November 15, 2026.
Simple Checking Features
- No monthly maintenance fee.
- No minimum balance requirement.
- Free online and mobile banking.
- Mobile check deposit.
- Bill Pay.
- Free eStatements.
- Free debit Mastercard®.
- Access to branches and ATMs throughout Maine, New Hampshire, and Vermont.
Trending Checking Account Deal:
Option 2: Earn $400 with Relationship Rewards Checking
Bonus Amount: $400
To qualify:
- Open a new Relationship Rewards Checking account by August 31, 2026.
- Enter promo code C40726A02ONLINE.
- Receive at least one qualifying direct deposit of $500 or more by October 31, 2026.
- Receive the $400 cash bonus on or about November 15, 2026.
Relationship Rewards Checking Features
In addition to standard banking services, this premium checking account includes:
- Free standard checks.
- Free or discounted safe deposit box.
- Preferred CD and Money Market rates.
- Free incoming domestic and international wire transfers.
- Automatic overdraft line of credit sweep.
- Monthly fee waived with a combined minimum daily balance of $7,500 across eligible deposit accounts.
Business Checking Bonus – Earn $400
Business owners can also earn a $400 bonus.
How to Earn It
- Open a qualifying new Business Checking account by August 31, 2026.
- Use promo code B10726A02ONLINE.
- Deposit a total of $2,500 or more into the account by October 31, 2026.
- Receive your $400 bonus on or about November 15, 2026.
Eligible business checking accounts include:
- Easy Business Checking
- Relationship Business Checking
- Business Interest Checking
- Nonprofit Checking
- Commercial Checking
TRENDING DEAL:
Eligibility Requirements
To qualify for either personal bonus:
- You must not have had a Bar Harbor Bank & Trust consumer checking account within the past 15 months.
- You must reside in Maine, New Hampshire, or Vermont.
- Only one account-opening promotion per customer/household is permitted.
- The account must remain open and in good standing when the bonus is paid.
- Bonuses are considered taxable income and may be reported on Form 1099-MISC.
Business customers must likewise be new business checking customers who have not held a business checking account with the bank within the previous 15 months.
What Counts as a Qualifying Direct Deposit?
Eligible direct deposits include:
- Employer payroll.
- Government agency payments.
- Retirement benefit payments.
The following do not qualify:
- Person-to-person transfers.
- PayPal and similar online payment services.
- Cash or check deposits made through a teller or ATM.
Is the Bar Harbor Bank & Trust Bonus Worth It?
These promotions are attractive, particularly the $400 Relationship Rewards Checking offer. The requirements are relatively simple, requiring only a single qualifying direct deposit of $500 or more. Those looking for a no-fee option may prefer the Simple Checking account, while customers who can meet the balance requirements may benefit from the additional perks offered by Relationship Rewards Checking.
Business owners also have an easy path to earning $400, requiring only $2,500 in qualifying deposits after opening a new business checking account.
See the Best Checking & Savings Account Bonuses and Start Earning Free Cash Today
Bottom Line
Bar Harbor Bank & Trust is offering up to $400 for new checking customers and businesses through August 31, 2026. Consumers can earn $200 with a new Simple Checking account or $400 with Relationship Rewards Checking by completing a qualifying direct deposit. Businesses can also earn $400 by opening a qualifying business checking account and depositing $2,500. If you’re eligible and live in Maine, New Hampshire, or Vermont, these promotions provide an excellent opportunity to earn extra cash while switching banks.
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