Manage cash flow

Harness your cash flow, and you can make your business grow! Bell State Bank & Trust’s business cash management team provides the go-to expertise to help you pinpoint the tools – from fund sweeps and cash consolidation to remote deposit and positive pay – that will bring you the financial efficiency you're looking for.

Why Bell

As a privately held company, we focus on a healthy balance of profitability, growth, and investing in community needs. It makes a difference in the way we do business, and we’re proud that it sets us apart from other banks.

Electronic Payments and Services

In addition to Business Online Banking and business credit cards and debit cards, Bell State Bank & Trust provides a host of other electronic tools to help your business manage cash flow.

Need assistance with our online cash management services? Check out our guides and training.

ACH Origination Services

  • Direct Deposit of Payroll uses Automated Clearing House (ACH) to electronically credit employees’ checking and/or savings accounts on an assigned date, regardless of where the accounts are located. Direct Deposit of Payroll is one of the most cost-effective, efficient, reliable and secure ways to pay your employees.
  • Direct Debits allow a business to electronically debit your consumer customer accounts using ACH, a cost-effective, efficient, reliable and secure payment system. Some common direct payments are payments for services, rents, utility bills, insurance premiums, organization membership fees and contributions.
  • Corporate Trade Payments allow your business to electronically debit or credit trade partners’ accounts using ACH.
  • ACH Cash Consolidation is a financial management strategy that pools cash into one central account at a single financial institution for more effective use of operating cash and investment. This tool aids your business in consolidating funds from subordinate or branch accounts at other banks into a central/master account at Bell State Bank & Trust. Simply submit ACH transfers through Business Online Banking. We then process the transactions between Bell State Bank & Trust accounts and accounts at other banks.

 Merchant Services

  • Merchant Card Services are designed to increase your revenue, optimize your payment processing, and minimize risk. We offer a cost-effective solution to process your entire American Express®, Visa©, MasterCard© and Discover© Network credit and debit card transactions. No matter your business – retail, restaurant, healthcare, service, mail order, e-commerce and more – we have a solution to fit your needs. Give us your existing merchant service information, and we will provide a free analysis to show you how we can provide you savings.
  • Electronic Gift & Prepaid Cards are a smart business decision because they help increase revenue and attract new customers. Gain competitive advantage by offering an additional payment option to your customers, and boost sales all year long.
  • Electronic Check Conversion gives you the ability to continue offering your customers the option of paying by check, while dramatically reducing the risk and cost associated with accepting those checks. Paper checks – consumer and business – are converted into safe, efficient electronic transactions that are processed with the speed and ease of credit card processing.

Other Services

  • Remote Deposit lets you make deposits electronically from your office any time, without driving to the bank. Remote Deposit allows your business to convert paper checks into electronic images using a desktop scanner with our Business Online Banking solution. It is the fastest way to turn your check deposits into cash.
  • Wire Transfers allow you to transfer funds while avoiding the hassle of contacting the bank and relaying detailed information. You reduce costs by lowering wiring fees, and you can initiate domestic transfers through our secure Internet banking site.
  • Electronic Data Interchange allows your business to obtain additional ACH information necessary to post your electronic transactions, payments or receipts to your accounting system.
  • Positive Pay Electronic Data Interchange allows your business to obtain additional ACH payment related information necessary to post your electronic transactions, payments or receipts to your accounting system.
  • Lockbox Service saves you money by collecting and processing your account receivable payments. Lockbox generally involves collecting a variety of payment types, which includes business-to-business and consumer-to-business payments. Payments are mailed to and collected from a unique post office box and then processed per your instructions. You'll receive a deposit to your account and payment information that meets your needs.


Sweep Accounts

Make idle cash work harder for your business! Sweeps are designed for businesses with steady cash flows in and out of their operating checking account. Learn more about how sweeps work.

How do sweeps work?

  • The system automatically sweeps funds daily, based on established product parameters, such as target balance, replenishment amounts and maximum investment amounts.
  • Sweep products can be customized to meet your business needs.
  • If you are enrolled in Business Online Banking, you can view sweep activity online.

We have various levels of sweep products, depending on your business’ specific cash management needs:

  • One-way: Offers overdraft or uncollected funds protection.
  • Two-way: Fully automated to maximize your excess cash balances. Your checking account is linked to either a short-term investment account or to a line of credit.
  • Three-way: Links three account types: checking, short-term investment and line of credit
  • Money market savings sweep: Serves businesses with large deposit balances, fluctuating cash flows, significant float on deposited items, and the need to invest excess dollars automatically.

Fraud Protection

Bell State Bank & Trust provides a solution that protects your business from unauthorized transactions by automatically blocking or filtering the ACH activity.

Positive Pay

Positive Pay helps your business identify potentially fraudulent and other exception items, and allows you to promptly instruct Bell State Bank & Trust to return any such item(s).

According to the Federal Bureau of Investigation, check fraud is a growing issue. Not just a problem for large corporations, big businesses, or large financial institutions, this white-collar fraud affects businesses and banks of all sizes. Using Positive Pay, businesses can now process checks with less fear of undetected forgeries and alteration.

Features and Benefits

  • Reduces exposure to check fraud by identifying potentially fraudulent checks
  • Identifies unauthorized transactions, including counterfeit or altered checks, before final payment
  • Increases your overall operational efficiency by automating this aspect of your accounting process
  • Eliminates the need for daily monitoring of exception items with email alert notifications
  • Customizes training to fit your needs

ACH Fraud Prevention Service

As fraud becomes a growing issue, companies must be vigilant. Failure to monitor bank accounts daily for fraudulent transactions increases your company’s risk significantly. A business can implement electronic payment solutions with confidence by using our ACH Fraud Prevention Service to prevent unauthorized or fraudulent transactions.

Features and Benefits

  • Identifies unauthorized electronic ACH transactions before final payment
  • Reduces exposure to ACH fraud risk by blocking debit transactions from being charged to your designated bank account
  • Uses ACH Debit Filter to pre-authorize ACH transactions and post them to your account while “filtering” and returning unauthorized ACH transactions
  • Increases your overall operational efficiency by automating this aspect of your accounting process

ACH Debit Block

ImageDebit block is designed for accounts that should not receive ACH debits for any reason. All attempted ACH debits will be automatically returned to the originating company. After an easy one-time setup, the service is automatic and hassle-free, saving you valuable time and giving you peace of mind.

ACH Debit Filter

This service allows your company to control the ACH entries that post to your account and prevents erroneous and fraudulent entries. The service will automatically return all transactions except those that are pre-authorized. In addition, a maximum dollar amount can be set for each pre-authorized transaction allowing your company further financial control.

Trusteer Rapport

Trusteer Rapport is a free online fraud protection software for your business. Learn how Trusteer Report works.

Security Awareness

Increase your knowledge by taking the Business Online Banking Security Awareness course.

Refer your family and friends

When they open a new personal checking account with us, we’ll give each of you $50.

Dread the shred?

Switch to paperless statements and get $5 per account when you turn off the paper!

House hunting?

Save time by calling us first for fast, free pre-approval or apply online at Then talk to your real estate agent or builder.