Compare checking accounts

Bell State Bank & Trust has business checking solutions for businesses, sole proprietorships and nonprofit organizations of any size. Compare our bank fees to those of other banks, and you’ll find ours can’t be beat!

Find the business checking account that’s right for your business based on the number of monthly transactions and your need for basic or expanded cash management services to help manage your business cash flow.

Why Bell

Each customer and each transaction is just as important as the next. In every aspect of our business, you'll find unequaled personal service.

America’s Best Free Checking for Business

You won’t find a checking account in America that beats all the “frees” we give our customers. Switch, and you’ll get it all!

This account is designed for small businesses, sole proprietorships and nonprofit organizations that need limited cash management services and have 1,000 or fewer items (checks written, items deposited and electronic items) per month. $50 minimum deposit to open.

Features & Benefits       

  • No minimum balance, no service charge on 1,000 or fewer items (25-cent fee per item over 1,000)
  • FREE Business Online Banking – access for one user, one tax ID and up to 5 accounts
  • FREE ATM Refunds Nationwide – we automatically refund the first 4 ATM fees monthly (an average of one a week) from anywhere in the U.S., and you get unlimited free withdrawals at 24,000 MoneyPass ATMs
  • FREE Debit Card – with EMV chip security
  • FREE Check Blanks, every order – never pay for checks when standard checks are free
  • FREE monthly online Paperless Statement (with check images) or Paper Statement
  • FREE Gift Cards – buy up to 10 every year with no fee

If you're tired of business banking fees, bring your current statement to any Bell location for a free comparison of their fees with yours. You'll be glad you did. 

Interested in opening a business account? Choose a business banker to find the best account for your business and get you started.

View current rates.

America's Best Premier Interest Checking

A checking account especially for sole proprietorships and non-profit organizations!

If you normally deposit 100 or fewer items per month and want to earn interest, this account might be the one for you (25-cent fee per item over 100). $50 minimum deposit to open. A minimum daily balance of $500 must be maintained to obtain the disclosed annual percentage yield. Check with your banker to find the best rate.

Features & Benefits

  • FREE Business Online Banking – access for one user, one tax ID and up to 5 accounts
  • FREE ATM Refunds Nationwide – we automatically refund the first 4 ATM fees monthly (an average of one a week) from anywhere in the U.S., and you get unlimited free withdrawals at 24,000 MoneyPass ATMs
  • FREE Debit Card – with EMV chip security
  • FREE Check Blanks, every order – never pay for checks when standard checks are free   
  • FREE monthly online Paperless Statement (with check images) or Paper Statement 
  • FREE Gift Cards – buy up to 10 every year with no fee

If you're tired of business banking fees, bring your current statement to any Bell location for a free comparison of their fees with yours. You'll be glad you did. 

Interested in opening a business account? Choose a business banker to find the best account for your business and get you started.

View current rates.

Cash Management Checking

An account especially for businesses with more transactions (more than 1,000 items per month) and/or a need for expanded cash management services. $50 minimum deposit to open.

Features & Benefits

  • FREE Business Debit Card – free ATMs nationwide with automatic ATM refunds (first 4 domestic ATM fees per statement cycle): unlimited FREE ATM withdrawals from 24,000 MoneyPass ATMs
  • FREE Gift Cards – buy up to 10 per year with no fee
  • FREE monthly online Paperless Statement (with check images) or Paper Statement

With Cash Management checking accounts, you may also choose Premium Business Online Banking for access to unlimited accounts with multiple tax IDs and an unlimited number of secure user logins.

Optional Electronic Services With Business Online Banking (fees may apply):

  • Alerts
  • ACH fraud prevention
  • Business bill pay
  • Business credit card
  • Electronic check conversion
  • Lockbox services
  • Merchant card services
  • Purchasing card

Additional Electronic Services With Premium Business Online Banking (fees may apply):

  • Cash Consolidation (ACH)
  • Corporate trade payments (ACH)
  • Direct debits/automatic payments (ACH)
  • Direct deposit of payroll (ACH)
  • Electronic data interchange
  • Positive pay
  • Remote deposit
  • Sweeps
  • Wire transfers

Interested in opening a business account with cash management services? Choose a business banker who can help you.

View current rates.

Cash Management Checking with Interest

An account for sole proprietorships and non-profit organizations that want to earn interest instead of the earnings credit and/or a need for expanded cash management services; service charges will apply. $50 minimum deposit to open. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the balance in the account each day. Check with your banker to find the best rate.

Features & Benefits

  • FREE Business Debit Card – free ATMs nationwide with automatic ATM refunds (first 4 domestic ATM fees per statement cycle): unlimited FREE ATM withdrawals from 24,000 MoneyPass ATMs
    • FREE Gift Cards – buy up to 10 per year with no fee
    • FREE monthly online Paperless Statement (with check images) or Paper Statement

    With Cash Management checking accounts, you may also choose Premium Business Online Banking for access to unlimited accounts with multiple tax IDs and an unlimited number of secure user logins.

    Optional Electronic Services With Business Online Banking (fees may apply):

    • Alerts
    • ACH fraud prevention
    • Business bill pay
    • Business credit card
    • Electronic check conversion
    • Electronic gift card
    • Lockbox services
    • Merchant card services
    • Purchasing card

    Additional Electronic Services With Premium Business Online Banking (fees may apply):

    • Cash Consolidation (ACH)
    • Corporate trade payments (ACH)
    • Direct debits/automatic payments (ACH)
    • Direct deposit of payroll (ACH)
    • Electronic data interchange
    • Positive pay
    • Remote deposit
    • Sweeps
    • Wire transfers

    Interested in opening a business account with cash management services? Choose a business banker who can help you.

    View current rates.

    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 bellbanks.com Then talk to your real estate agent or builder.