Bar Harbor Bank & Trust Business Checking bonus: is $400 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
+$399: more than leaving it at 4.15%
With the bonus1622.22%
Leave it where it is4.15%
Yearly rate on $100 while it's there, bonus included.
The math
Compared with leaving $100 at 4.15%
Bonus
+$400
Interest while it's there
No interest assumed
$0
What it'd earn at home
$100 at 4.15% for 3 mo
−$1
Extra
+$399
Works out to 1622.2% a year on that cash, vs 4.15% at home.
Deposit $2,500 in new money. Terms checked Oct 9, 2026.
About this bonus
What it takes
- 1Deposit $2,500 in new money
- Ends
- Oct 31, 2026
- Where
- Maine, New Hampshire, Vermont
- Monthly fee
- None
- Cash stays
- About 90 days
- Bonus paid
- Usually within 30 days of finishing
- Credit check
- A ChexSystems inquiry (not your credit score)
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the Bar Harbor Bank & Trust Business Checking bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $100 tier adds +$399: the $400 bonus, minus the $1 that cash would have earned in 90 days. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Deposit $2,500 in new money. Open to residents of Maine, New Hampshire, Vermont.
When does it end?
The offer ends Oct 31, 2026. The terms were last checked Oct 9, 2026.