[ME, VT & NH] Bar Harbor Bank & Trust $200/$400 Checking Bonus

Extended until 11/15/26. There is now a $400 bonus available as well as the $200. 

Offer at a glance

• Maximum bonus amount: $200
• Availability: ME, VT & NH
• Direct deposit required: Yes, $250+
• Additional requirements: None
• Hard/soft pull: Soft pull
• ChexSystems: Yes
• Credit card funding: Unknown 
• Monthly fees: None/avoidable
• Early account termination fee: $10 if closed within one year
• Household limit: One
• Expiration date: February 28th, 2019 June 30th, 2020 August 31st, 2020 February 28, 2021 April 30, 2021 June 30, 2021

The Offer

Direct link to offer

• Bar Harbor Bank & Trust is offering a personal checking bonus of up to $400.
  • Earn $200
    • Open a new Simple Checking Account by 8/31/26
    • Set up and receive a direct deposit of $250 or more by 10/31/26
    • Get a $200 cash bonus on or about 11/15/26
  • Earn $400
    • Open a new Relationship Rewards Checking5 Account by 8/31/26
    • Set up and receive a direct deposit of $500 or more by 10/31/26
    • Get a $400 cash bonus on or about 11/15/26

The Fine Print

• Offer cannot be transferred.
• Only one offer per household.
• In order to be eligible to receive $100 you must present the original coupon or mailer you received at account opening, no photocopies are allowed.
• Open a new E-Choice Checking or Simple Checking account by 2/28/19 ($25 minimum opening deposit for either account) 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 4/30/19 to receive the bonus.
•  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 5/15/19, 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-INT.
• Offer is not available to current or former Bar Harbor Bank & Trust checking customers who have had a Bar Harbor Bank & Trust Checking account between 1/1/18 and 12/31/18.

Avoiding Fees

Monthly Fees

• Simply Checking has no monthly fee to worry about. ($200 bonus)
• Relationship Rewards Checking has a $15 monthly fee, this is waived with a combined Minimum Daily Balance of $7,500 or more in your personal checking, savings, and money market accounts

Early Account Termination Fee

There is a $10 fee if closed within one year according to the fee schedule.

Our Verdict

Bonus is significantly better now with the $400 tier, when we first posted this was only for $100 and needed to be opened in branch. There is also a $400 business checking bonus as well. Will add this to our list of the best bank account bonuses here. 

Big thanks to reader, Jonathan H who let us know. Learn how to find bonuses and contribute to the site here.

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

Post history:

• Update 3/19/2021: Extended until April 30, 2021
• Update 1/2/2021: Extended until February 28, 2021
• Update 11/3/20: Extended until December 31, 2020
• Update 5/25/20: Deal is back and valid until June 30th, 2020 and can also be opened online now
• Update 1/31/20: Deal is back and valid until February 29, 2020. Hat tip to Michael S