Bar Harbor Bank & Trust

Headquarters: Bar Harbor, Maine
Charter: Bank
Assets: $4.7B
Fed district: Boston

24 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 9, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
E-Choice Checking $6 · Relationship Reward Checking $15
Compared at $10.50, the middle of its prices
Bar Harbor Bank & Trust: $6 to $15
Bar Harbor Bank & Trust: $6 to $15
U.S. median: no median
Overdraft (OD)
Bar Harbor Bank & Trust: $34
Bar Harbor Bank & Trust: $34
U.S. median: no median
Non-Network ATM
Bar Harbor Bank & Trust: $2
Bar Harbor Bank & Trust: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maine, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Maine: Banks and credit unions headquartered in Maine that publish the fee.
Boston district: Banks and credit unions headquartered in the Boston Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Bar Harbor Bank & Trust’s own schedules, with a source for each figure.

Account Maintenance

E-Choice Checking Monthly Service Charge$6
per month
Relationship Reward Checking Monthly Service Charge$15
per month
Checking/Savings Account Closed - Open less than 1 year$10
Dormant Account Fee – Checking, Savings, Money Market$5
per month
Escheatment Fee$50
Account Reconciliation/Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper statement fee$3
Returned Statement Handling Fee$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Fee$34
per item
Automatic Sweep Fee – transfer of funds to cover overdraft 2$5
Automatic Sweep Protection Fee – from overdraft line of credit$5
per item

ATM & Card

ATM fee - outside of network/foreign$2
per transaction
ATM fee - outside of network/foreign 1$2
per item
ATM/Debit Card Replacement$10
ATM/Debit Card Foreign Transaction Fee (audience not stated, treated as personal)2%of the transaction

Wire Transfers

Wires: Outgoing Domestic$30
per item
Wires: Outgoing Foreign$50
per item

Check Services

Manager’s/Bank Check$6
per item
Money Order$4
per item
Online Banking Stop Payment$25
per item
Stop Payment (over phone or in branch)$34
per item
Temporary Checks$1
per item
Check Cashing (non-customers)$10
per item
Foreign Check Collection$15
per item
Copies of Check Images$2
Not compared: Charged per page; comparison unavailable
per page

Digital & Electronic

Mobile DepositNo charge

Cash & Deposit

Coin Counting (non-customers) (audience not stated, treated as personal)5%
Deposit Item Returned$12
per item

Account Services

Notary Fee (non-customers)$5
per item
Safe Deposit Box$35
per year
Safe Deposit Box$35
per year
Safe Deposit Box$30
Safe Deposit Box 10x10$150
per year
Safe Deposit Box 11x13$180
Safe Deposit Box 2x10$50
Safe Deposit Box 3x10$65
per year
Safe Deposit Box 3x5$45
Safe Deposit Box 4x10$77
Safe Deposit Box 4x5$50
per year
Safe Deposit Box 4x9.5$70
Safe Deposit Box 5x10$90
Safe Deposit Box 5x10.5$95
Safe Deposit Box 5x5$55
Safe Deposit Box Drilling$250
Not compared: Box drilling or key fee
Safe Deposit Box Key Duplication$50
Not compared: Box drilling or key fee
Legal Process$100

Retirement & IRA

IRA Rollover/Transfer Fee$50
per item

Other Fees

Overnight Delivery$34.95
per item
Duplicate Statement$5
per item
Fax Service$3
Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
E-Choice Checking Monthly Service Charge	$6	per month	None
Relationship Reward Checking Monthly Service Charge	$15	per month	None
Checking/Savings Account Closed - Open less than 1 year	$10	Not stated	None
Dormant Account Fee – Checking, Savings, Money Market	$5	per month	None
Escheatment Fee	$50	Not stated	None
Account Reconciliation/Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper statement fee	$3	Not stated	None
Returned Statement Handling Fee	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Fee	$34	per item	None
Automatic Sweep Fee – transfer of funds to cover overdraft 2	$5	Not stated	None
Automatic Sweep Protection Fee – from overdraft line of credit	$5	per item	None
ATM & Card
ATM fee - outside of network/foreign	$2	per transaction	None
ATM fee - outside of network/foreign 1	$2	per item	None
ATM/Debit Card Replacement	$10	Not stated	None
ATM/Debit Card Foreign Transaction Fee (audience not stated, treated as personal)	2%of the transaction	Not stated	None
Wire Transfers
Wires: Outgoing Domestic	$30	per item	None
Wires: Outgoing Foreign	$50	per item	None
Check Services
Manager’s/Bank Check	$6	per item	None
Money Order	$4	per item	None
Online Banking Stop Payment	$25	per item	None
Stop Payment (over phone or in branch)	$34	per item	None
Temporary Checks	$1	per item	None
Check Cashing (non-customers)	$10	per item	None
Foreign Check Collection	$15	per item	None
Copies of Check Images	$2Not compared: Charged per page; comparison unavailable	per page	None
Digital & Electronic
Mobile Deposit	No charge	Not stated	None
Cash & Deposit
Coin Counting (non-customers) (audience not stated, treated as personal)	5%	Not stated	None
Deposit Item Returned	$12	per item	None
Account Services
Notary Fee (non-customers)	$5	per item	None
Safe Deposit Box	$35	per year	None
Safe Deposit Box	$35	per year	None
Safe Deposit Box	$30	Not stated	None
Safe Deposit Box 10x10	$150	per year	None
Safe Deposit Box 11x13	$180	Not stated	None
Safe Deposit Box 2x10	$50	Not stated	None
Safe Deposit Box 3x10	$65	per year	None
Safe Deposit Box 3x5	$45	Not stated	None
Safe Deposit Box 4x10	$77	Not stated	None
Safe Deposit Box 4x5	$50	per year	None
Safe Deposit Box 4x9.5	$70	Not stated	None
Safe Deposit Box 5x10	$90	Not stated	None
Safe Deposit Box 5x10.5	$95	Not stated	None
Safe Deposit Box 5x5	$55	Not stated	None
Safe Deposit Box Drilling	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Key Duplication	$50Not compared: Box drilling or key fee	Not stated	None
Legal Process	$100	Not stated	None
Retirement & IRA
IRA Rollover/Transfer Fee	$50	per item	None
Other Fees
Overnight Delivery	$34.95	per item	None
Duplicate Statement	$5	per item	None
Fax Service	$3	Not stated	None
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 9, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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