America’s Best Free Checking for Business

No bank in America beats the “frees” we give our business checking account customers. Consider how much you could save with America’s Best Free Checking for Business, and we think you’ll agree that it’s definitely worth moving your business accounts to Bell State Bank & Trust.

Learn More about the “Frees”

FREE Transactions

This includes checks n, items deposited, electronic items and paper deposits. ($0.25 per item if more than 1,000 items)

FREE Check Blanks

Every business checking customer gets every order of standard Bell State Bank & Trust checks free. (There is a fee for specialized checks.)

FREE Business Debit Card

Bell State Bank & Trust was the first bank in town to rebate ATM fees. We automatically refund four domestic ATM fees a month per business checking account. That’s an average of one ATM withdrawal a week, and it’s refunded automatically, so you no longer need to save receipts!

FREE Business Credit Card

Enjoy benefits built for your business. With the Visa® Bonus Rewards Card, customers get 25% more on all points and there is no annual fee .

FREE (no fee) Visa® Gift Cards

Prepaid Visa® gift cards make great employee gifts! Bell State Bank & Trust business checking customers can purchase no-fee gift cards at all Bell State Bank & Trust locations. There is a limit of 10 free cards per year; additional cards can be purchased for a fee of $4 per card. Minimum purchase amount is $25; maximum purchase amount is $1,000.

FREE Monthly Online Paperless Statement

Access your statements online. It’s exactly the same as the statement you receive in the mail … only it’s online, so you can log in to view it when it’s convenient for you! (Need a hard copy? Just click “Print”!) You can also download the statement to your computer.


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

Free Business Online Banking

Access your accounts 24 hours a day, 7 days a week with Bell State Bank & Trust’s Free Business Online Banking. With just a few clicks, you can bank online and check balances, review transactions and statements, transfer funds and view images of your checks, wherever it’s convenient for you. You can access activity for up to three accounts with one secure user sign-on and no monthly fee. Other online banking options are also available.

Easy Checking Account Opening

We make it easy to switch your checking account! To get started, just call our SwitchLine at 701-298-1550 (or toll-free 800-450-8949) for Express Account Opening by phone. Then relax! Our experienced bankers will help you with your automatic payments, direct deposits and transferring balances to make sure everything goes smoothly for you.

Call and talk to a banker during our expanded Customer Service Call Center hours, 7 a.m. to 10 p.m. weekdays and 9 to 5 Saturdays.


For a free, no-obligation comparison of our business banking fees to your current bank’s fees on your accounts, contact one of our business bankers.


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