Estate planning at Bar Harbor Bank
How to protect 15 Bar Harbor Bank accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Bar Harbor Bank's Bar Harbor Wealth Management
Phone1-888-853-7100
Mailing Address
Bar Harbor Bank & Trust, PO Box 1089, Ellsworth, ME 04605-9963
After Hours
International
24-Hour Telephone Banking
WebsiteLearn more→
Bar Harbor Wealth Management
Phone1-888-675-5244
Mailing Address
Bar Harbor Wealth Management, 90 North Main Street, Concord, NH 03301
Bar Harbor Financial Services
WebsiteLearn more→
Estate Settlement / Branch Services
Phone1-888-853-7100
Mailing Address
Bar Harbor Bank & Trust, PO Box 1089, Ellsworth, ME 04605-9963
WebsiteNotify online→
Verified Apr 2026
Bar Harbor Bank has 15 accounts, each with different rules for what happens when the account holder dies. Of those, 11 can name a trust as beneficiary or be retitled into a trust. The right combination of beneficiary designations and trust ownership can keep the entire portfolio out of probate.
Managing beneficiaries at Bar Harbor Bank is straightforward—changes can be made in branch, by mail, and by phone, typically taking 15-30 minutes in branch; longer by mail. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Bar Harbor Bank provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 15 account types at Bar Harbor Bank.
View details →When someone dies
Death claim process
Contact Bar Harbor Bank's Bar Harbor Wealth Management to file a claim. 5-step process, 7 required documents, and contact information for survivors.
View details →Reach Bar Harbor Bank's Bar Harbor Wealth Management at 1-888-675-5244 for help with any of these procedures.
Bar Harbor Bank operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
Yes. Existing deposit accounts (checking, savings, money market, CDs) can be retitled to your revocable living trust. Visit a Bar Harbor Bank & Trust branch with your Certification of Trust and trustee identification. The process does not require closing and reopening the account if the same SSN or EIN is used. IRA accounts cannot be retitled to a trust.
Yes. Bar Harbor Wealth Management, a subsidiary of Bar Harbor Bank & Trust, provides trust services, estate planning, financial planning, tax planning, charitable planning, and family office services. The wealth management team includes investment, tax, fiduciary, and planning professionals. Contact Bar Harbor Wealth Management at 888-675-5244 or visit one of their offices in Maine or New Hampshire.
Bar Harbor Wealth Management is a subsidiary of Bar Harbor Bank & Trust that provides trust services, estate planning, investment management, tax planning, financial planning, charitable planning, and family office services. Bar Harbor Financial Services is a trade name of Bar Harbor Bank & Trust that offers investment and insurance products through Osaic Institutions, Inc. (Member FINRA/SIPC). Contact Bar Harbor Wealth Management at 888-675-5244 or Bar Harbor Financial Services at 800-479-9963.
Sources
Data sourced from Bar Harbor Bank primary sources (16 pages reviewed). How we research.
Phone1-888-853-7100
Mailing Address
Bar Harbor Bank & Trust, PO Box 1089, Ellsworth, ME 04605-9963
After Hours
International
24-Hour Telephone Banking
WebsiteLearn more→
Bar Harbor Wealth Management
Phone1-888-675-5244
Mailing Address
Bar Harbor Wealth Management, 90 North Main Street, Concord, NH 03301
Bar Harbor Financial Services
WebsiteLearn more→
Estate Settlement / Branch Services
Phone1-888-853-7100
Mailing Address
Bar Harbor Bank & Trust, PO Box 1089, Ellsworth, ME 04605-9963
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your Bar Harbor Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
