Bar Harbor Bank and Trust $200–$400 Checking Account Bonus (2026) - Review & Requirements
What Counts as Direct Deposit
Based on community data points and bank terms. Employer payroll is always the safest method. "Mixed" means some users report success but it is not guaranteed.
Overview
Bar Harbor Bank and Trust offers a tiered checking bonus up to $400 with low DD thresholds: $250 DD earns $200, $500 DD earns $400. Relationship Rewards Checking. Available in ME, NH, and VT.
Who This Checking Bonus Is Best For
Residents of ME, NH, or VT looking for maximum bonus value from minimal direct deposit.
How to Maximize This Bonus
Open Relationship Rewards Checking and make a $500+ direct deposit to earn the full $400 bonus. Even a $250 DD gets you $200 — one of the lowest thresholds available.
Pros
Cons
How This Compares to Other Bonuses
The best DD-to-bonus ratio of any tiered offer. $500 DD for $400 is unmatched. If you're in ME, NH, or VT, this should be your top pick.
Frequently Asked Questions
Which states have Bar Harbor Bank?
ME, NH, and VT.
Full Requirements
Tiered bonus: $250 DD = $200, $500 DD = $400. Relationship Rewards Checking.
Fees
No monthly fee on Relationship Rewards Checking.
ChexSystems & Credit Pull
Low ChexSystems sensitivity.
Eligibility
Available in ME, NH, VT. New checking customers only.
Apply
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