We're Here to Help

There are many ways you can bank with us at Katahdin Trust.  Lobbies are open with Call-Ahead Banking for in-person transactions.  If you need to open an account or apply for a loan, call to schedule an appointment.  When possible, we recommend that you use our walk-up and drive-up windows or online and mobile banking services.


Call-Ahead Lobby Banking

We're committed to providing our customers with excellent service.  Our primary focus is on the health and safety of our employees, customers, and the community.  If you need to schedule an in-person appointment, please call your local branch or use Call-Ahead Lobby Banking for in-person transactions.  Our drive-up and walk-up windows remain open to serve you.

View up-to-date branch hours.

Follow these steps for Call-Ahead Lobby Banking:


Arrive at branch location.  Lobby doors will remain locked.  Call the branch to let them know you've arrived.

If not immediately, as soon as space is available, we'll come get you when it's your turn. 

Masks are required to enter the branch.

Social Distancing

The number of customers allowed inside is predetermined by our ability to maintain social distancing and may vary by branch.

If you are sick

Stay home if you are feeling sick.  As always, you can bank anytime, anywhere with Katahdin Trust online and mobile banking.  We are also available by phone at

What We Are Doing

Katahdin Trust has been meticulous in cleaning and sanitization efforts focused on limiting opportunities for exposure. Here are some of the steps we are taking:

  • Employees and customers are required to wear masks.
  • Hand sanitizer will be available at every station. 
  • Pens will be single use only.
  • Disinfectant will be used to clean stations between customers.
  • Plexiglass has been installed at each transaction station.
  • Tickets and lobby materials have been removed. Branch employees would be happy to provide these materials should you request them.

What You Can Do

Our walk-up or drive-up windows are open during regular business hours. As an alternative to in-person banking, we recommend that you use our digital services. Online banking allows you to perform a variety of transactions including obtaining account balances, reviewing transactions, paying bills, and sending money to family and friends. You can also deposit checks through our personal or business mobile app. Easy Phone Banking allows you to access account information, transfer money, and make loan payments from any touch-tone telephone. Katahdin Trust ATMs will remain available 24/7 to withdraw cash or make deposits.

If you need to open a personal checking or savings account or apply for a home loan, we are ready to serve you at katahdintrust.com.




If you would like assistance enrolling in our digital services or have any other questions, call 1-855-331-3221, chat with us online, email info@katahdintrust.com, or contact your local branch. We'll be happy to assist you.

Be Aware of Scams

Katahdin Trust will NEVER call, text, or send emails asking you to provide sensitive banking information. Never give out your social security number, account number, online banking username, or password over the phone unless you initiate the call to a phone number that you know is legitimate. If you suspect you have been the victim of fraud, please contact us immediately.

Common Scams

  • Phishing and supply scams. Scammers impersonate health organizations and businesses to gather personal and financial information or sell fake test kits, supplies, vaccines or cures for COVID-19.
  • Charity scams. Fraudsters seek donations for illegitimate or non-existent organizations.
  • Investment scams. Often styled as “research reports,” claiming that products or services of publicly traded companies can prevent, detect, or cure COVID-19.
  • Provider scams. Scammers impersonate doctors and hospital staff and contact victims claiming to have treated a relative or friend for COVID-19 and demand payment for treatment.
  • Bank/FDIC scams. Scammers impersonate FDIC or bank employees and falsely claim that banks are limiting access to deposits or that there are security issues with bank deposits.
  • Stimulus check or economic relief scams. The government will NOT ask for a fee to receive the stimulus funds, nor will they ask for your personal or account information. Be wary of fraudsters who may attempt to scam you out of your economic impact payment. 
  • Delivery of malware. Through “virus-tracking apps” or sensationalized news reports.

10 Tips to Avoid Becoming a Victim

  1. Watch out for phishing scams. Phishing scams use fraudulent emails, texts, phone calls and websites to trick users into disclosing private account or login information. Do not click on links or open any attachments or pop-up screens from sources you are not familiar with, and NEVER give your password, account number or PIN to anyone.
  2. Ignore offers for a COVID-19 vaccine, cure or treatment. If there is a medical breakthrough, it wouldn’t be reported through unsolicited emails or online ads.
  3. Rely on official sources for the most up-to-date information on COVID-19. Visit the Centers for Disease Control and Prevention, World Health Organization and your state’s health department websites to keep track of the latest developments.
  4. Remember that the safest place for your money is in the bank. It’s physically secure and it’s federally insured. When you deposit your money at a bank, you get the comfort of knowing that your funds are secure and insured by the government. You don’t have the same level of protection when your money is outside the banking system.
  5. Do some research before making a donation. Be wary of any business, charity or individual requesting COVID-19-related payments or donations in cash, by wire transfer, gift card or through the mail.
  6. Keep your computers and mobile devices up to date. Having the latest security software, web browser, and operating system are the best defenses against viruses, malware and other online threats. Turn on automatic updates so you receive the newest fixes as they become available.
  7. Recognize and avoid bogus website links. Cybercriminals embed malicious links to download malware onto devices or route users to bogus websites. Hover over suspicious links to view the actual URL that you are being routed to. Fraudulent links are often disguised by simple changes in the URL. For example: www.ABC-Bank.com vs ABC_Bank.com.
  8. Change your security settings to enable multi-factor authentication for accounts that support it. Multi-factor authentication—or MFA—is a second step to verify who you are, like a text with a code.
  9. Before you make any investments, remember that there is a high potential for fraud right now. You should be wary of any company claiming the ability to prevent, detect or cure coronavirus. For information on how to avoid investment fraud, visit the U.S. Securities and Exchange Commission website.
  10. Help others by reporting coronavirus scams. Visit the FBI's Internet Crime Complaint Center at ic3.gov to report suspected or confirmed scams. You can also stay up-to-date on the latest scams by visiting the FTC’s coronavirus page at ftc.gov/coronavirus.

For more information and FAQ’s on the coronavirus, please visit the Centers for Disease Control and Prevention or World Health Organization.

We are here to help local businesses impacted by COVID-19

Paycheck Protection Program (PPP)

As your trusted banking partner, we are committed to helping your business address your financial needs and well-being through this challenging time.


First-time PPP Loan Applicant

If you are applying for a PPP loan for the first-time, follow the steps below to begin (or click here for second-draw):


Review the basic guidelines and FAQs

View Guidelines


Gather your information

View Checklist


Let us know you're ready to apply

Send Email

View a copy of the PPP Borrower Application that you will be asked to complete through our online portal.

All PPP loan applicants must have an established Katahdin Trust business checking account. If you would like to open a Totally Free Business Checking Account, please call your local branch. PPP loans are subject to approval based on eligibility.

PPP Second Draw Loans

If you are a small business applying for a Second Draw with us and you did your first PPP loan with Katahdin Trust, please be on the lookout for an email from your lender with next steps. If you do not receive an email by January 20, please email us at PPPapplications@katahdintrust.com.

If you are a small business applying for a Second Draw with us, but did not use Katahdin Trust for your first PPP loan, please email us at PPPapplications@katahdintrust.com to get started.

Preview Second Draw Application Second Draw PPP Loan Overview

Who may qualify

A borrower is generally eligible for a Second Draw PPP Loan if the borrower: 

  • Previously received a First Draw PPP Loan and will or has used the full amount only for authorized uses;
  • Has no more than 300 employees; and
  • Can demonstrate at least a 25% reduction in gross receipts between comparable quarters in 2019 and 2020.

PPP Loan Forgiveness

Forgiveness Application Checklist

Forgiveness Application Form 3508S Instructions - for loans of $150,000 or less (1/19/2021)

Forgiveness Application Form 3508 Instructions (1/19/2021)

Forgiveness Application Form 3508EZ Instructions (1/19/2021)

Paycheck Protection Program (FAQs) on Loan Forgiveness 

Helpful Links

Paycheck Protection Program (FAQs) 

Additional information and guidance is available at the U.S. Department of the Treasury's website and U.S. Small Business Administration.

Still have questions? Call 1-800-221-2542 to speak with your local lender.

Be Aware of PPP Scams

You should be aware that we will communicate directly with you about your PPP loan and the forgiveness process. Be wary of responding to unsolicited communications or sharing information about your PPP loan with businesses or individuals not affiliated with Katahdin Trust. If you have any doubt, please call us directly.

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