How to name beneficiaries and fund a trust at Bar Harbor Bank
Covers 8 deposit, 3 retirement, 3 lending, and 1 investment accounts — beneficiaries must be updated in-branch
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 for your Bar Harbor Bank accounts starts with understanding how each one transfers at death. Beneficiary designations and trust retitling both bypass probate, but the right approach depends on the account type, your tax situation, and how much control you want over distributions.
Across 15 product types, Bar Harbor Bank accounts vary in how they transfer at death. The sections below walk through Payable on Death (POD) designations, trust funding options, and which products support each method.
Simple CheckingE-Choice CheckingRelationship Rewards CheckingStatement SavingsSavings Transfer ClubMoney Market AccountCertificate of Deposit (CD)Health Savings Account (HSA)
1
Visit any Bar Harbor Bank & Trust branch with a valid government-issued photo ID
2
Request to add or update beneficiary designations on your accounts
3
Provide beneficiary information:
- For deposit accounts: request POD (Payable on Death) designation with beneficiary full legal name, date of birth, Social Security number, and relationship
- For IRA accounts: complete the IRA Beneficiary Designation form with primary and contingent beneficiary sections
4
Review and sign the updated account documentation
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Trust beneficiary designations may require a copy of the Certification of Trust
- IRA beneficiary changes for married account holders may require spousal consent depending on state law
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.
