Bar Harbor Bankshares, headquartered in Bar Harbor, Maine, is the parent holding company for Bar Harbor Bank & Trust. Established in 1887, the bank began with a capital stock of $50,000, and remains an independent community bank serving eastern Maine with more than 10 full-service commercial banking offices. It provide a wide variety of personal and commercial checking and savings accounts, as well as home equity loans, mortgages, and auto loans. Its personal banking services include checking accounts, savings, consumer loans, and Internet banking. The bank offers business banking services, such as merchant and international services, and cash management. Bar Harbor Bankshares' wholly owned subsidiary, Bar Harbor Bank & Trust, offers ATM services at all its branches, for 24-hour access to funds.