Business Checking Accounts

Tired of business checking accounts with lots of fees? 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 Bell State Bank & Trust 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.

America’s Best Free Checking for Business

We haven’t found a checking account in America that beats all of the “frees” we give our business customers. That’s why it’s America’s Best!

This business checking account is designed for small businesses, sole proprietorships and nonprofit  organizations that need limited cash management services and have fewer than 1,000 transactions (checks written, items deposited and electronic items) per month.

Along with no monthly service fee and no minimum balance requirements, you get:

  • FREE Transactions – checks written, items deposited, electronic items and paper deposits ($0.25 fee per item over 1,000 items)
  • FREE Check Blanks – every order of standard checks free
  • FREE Business Debit Card – free ATMs nationwide with automatic ATM refunds (first 4 domestic ATM fees per statement cycle): unlimited FREE ATM withdrawals from 26,000 MoneyPass® ATMs
  • FREE Business Credit Card – get 25% more on all points and no annual fee with the Visa® Bonus Rewards Card
  • FREE (no fee) Visa® gift cards – (limit 10 per year with no fee)
  • FREE monthly online Paperless Statement (with check images) or Paper Statement

Plus…

  • ACH Basic – affordable direct deposit service for a convenient payroll solution
  • Clear & Simple Merchant Card Processing – easy acceptance or credit and debit card payments

With America’s Best Free Checking for Business, you may also choose Free Business Online Banking.

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

  • Alerts
  • ACH fraud prevention
  • Business Bill Pay
  • Business credit card
  • Business Debit Card
  • Electronic check conversion
  • Electronic gift card
  • Lockbox services
  • Merchant card services
  • PayCard
  • Purchasing card
  • Statements on CD

America’s Best Free Checking for Business with Interest Option

Available to sole proprietorships and non-profit organizations that normally deposit 100 or fewer items per month and want to earn interest on the account. A 25¢ fee is charged per item over 100 monthly. 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.

Cash Management Checking

This account is designed for businesses with more transactions (more than 1,000 items per month) and/or a need for expanded cash management services. This account gives you:

  • FREE Business Debit Card – free ATMs nationwide with automatic ATM refunds (first 4 domestic ATM fees per statement cycle): unlimited FREE ATM withdrawals from 26,000 MoneyPass ATMs
  • FREE (no fee) Visa® gift cards – (limit 10 per year with no fee)
  • FREE monthly online Paperless Statement (with check images) or Paper Statement

There is a monthly service charge based on an account analysis (combination of account activity and the balance maintained). Positive collected balances will earn a credit, which is used to offset activity costs. Earnings credit is calculated using a tiered rate based on the 91-day Treasury Bill index (after a 10% reserve requirement). If the earnings credit exceeds the activity costs, there is no service charge.

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 sign-ons.

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

  • Alerts
  • ACH fraud prevention
  • Business Bill Pay
  • Business credit card
  • Business Debit Card
  • Electronic check conversion
  • Electronic gift card
  • Lockbox services
  • Merchant card services
  • PayCard
  • Purchasing card
  • Statements on CD

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

Cash Management Checking with Interest Option

Available to sole proprietorships and non-profit organizations that want to earn interest instead of the earnings credit; however, service charges will apply. 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.

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Interested in cash management services? Contact a business banker at a location near you.

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