I've been with Bar Harbor Bank and Trust for over 15 years. My parents and grandparents before me were lifelong customers. I had always thought very highly of this banking institution until recently. Something has changed and it's definitely not for the better. One of the things I loved most about BHBT was their personalized service and their hometown Maine values. Whenever I had a problem or issue I could call them and 9 times out of 10 my issue would be readily solved. This is not the case any longer. I had an issue with an erroneous charge being made to my account and this charge caused an overdraft fee. I was able to contact the company who made the charge, show them that it was a mistake and have the charge immediately reversed. I assumed no harm/no foul but this was not the case at all. Once the charge was reversed they not only insisted on my paying their $34.00 overdraft fee but they decided to add on an additional one in the interim between when the inaccurate charge was made and when it was reversed and they did this over an 18 cent deposit and withdrawal that was made by PayPal simply to confirm my account. That's $68.00 that they are charging me for an error not of my making. $68.00 might not seem like a lot of money but when you subsist on a disability pension that's far below the poverty line it can make the difference between eating that week or not. Now I'm not a big complainer but the bank I used to know would have handled this situation completely differently than it was handled today. Today I was treated with an " I don't care attitude" and a level of unreasonableness that I haven't dealt with ever, with any company or even any large conglomerant and this is MAINE. A state that's always been different than most and one that's always looked out for its citizens. A place where people genuinely care about one another and a place I've always felt immensely blessed to be from. This recent experience with Bar Harbor Bank and Trust has left me feeling both hurt and confused and concerned that my once caring, fair minded, gracious hometown bank is no longer any of those things. I'm left wondering if it's just their values that are changing or if I need to be prepared for the end of Maine as I know it. Truly heartbreaking indeed. read more

Opened a Savings account on 9 September 2025, the bank updated their fee on 2 February 2026 which allowed them to charge a $10 fee for closing a savings account at less than one year. I closed the account on 30 August 2026, not knowing or realizing the fee change notices. 10 days short of one year. Another occasion I went to withdraw cash from the bank, and they said they needed a week notice as they didn't have enough cash on hand to buy a small used car that I was buying. Ended up travelling to another branch to make the withdrawal. These are not the only questionable experience in the recent couple of years. I never chose BHBT, but they took over my previous bank. The people are nice, just not the entity. read more

What a horrible bank!!! Bar Harbor Bank & Trust replaced a small local bank that had been around for many years. BHBT does not recognize the second person on the account. When they sent paperwork out letting customers know they were replacing the small local bank the information went to only the first person on the account. If I had not opened the mail, I would have never know about the takeover. When I called, they said they only sent the information to the first person on the account. They felt that was all they needed to do. Not only that, if the first person on the account does not sign in electronically, then they shut the electronic sign in off for all signatures on the account. It doesn't matter if the second signer is signing in weekly, they do not acknowledge those sign in times as they were not done by the first signature person on the account. The relationship when downhill from there. My husband and I both closed our accounts and not once did they ask me or my husband for our IDs. And we didn't know that lady from Adam. It is unfortunate that the small local bank made the decision to merge with BHBT. The smaller bank offered more to seniors, had friendly, knowledgeable, and courteous customer service representatives from the front teller line to the back offices. read more

They acquired new bank. Gauranty Bank in NH. Passwords dont work. If you try to call help line you get music.