Mobile Browser Frequently Asked Questions (FAQs)

What’s the difference between Bell State Bank & Trust mobile banking and online banking?

Mobile banking is a secure way to access your account information through a mobile web browser. With Bell State Bank & Trust mobile banking you can check balances, view transaction history, transfer funds, pay bills and locate ATMs and branches by logging into on your mobile device.

Why does my CD show a $0 balance?

On the account summary page, it shows a $0 balance because this is an available balance, not a current balance. If you click on the CD, it will then show the actual balance of the CD.

Does it cost anything to use Bell State Bank & Trust mobile banking?

Bell State Bank & Trust doesn’t charge you for using mobile banking, but message and data rates may apply. Check with your mobile carrier.

How do I access banking on my mobile device?

Visit the Bell State Bank & Trust mobile website at on your mobile device

Am I required to have an online banking account to use for Bell State Bank & Trust mobile banking?

Yes. To start using mobile banking you must have a Bell State Bank & Trust personal online banking username and password. (The mobile browser is not available for business accounts.)

What information does Bell State Bank & Trust collect from my mobile phone, and what will they do with that information?

We do not collect information about your calls, or any personal information other than your phone number and device information such as phone model and carrier. This information simply helps us ensure that you are the only person accessing your account, and it may also be used for fraud detection, usage statistics, and to improve and enhance our products and services.

Will my account information be stored on my smartphone?

No. Since all information viewed and edited will be done so through online banking, no record of it will remain on your phone (unless you save it on your phone yourself).

Would an outside party be able to intercept my mobile banking transactions?

No. 128-bit SSL encryption protects your information as it travels from your mobile device to Bells State Bank & Trust. The 128-bit SSL encryption technology is the same encryption that safeguards Internet traffic for secure web applications.

How do I know that the Bell State Bank & Trust mobile browser is secure?

  • Access to your accounts require that you enter your username and password
  • 128-bit encryption masks your sensitive information
  • The session ends when you close your browser

Why can’t my phone access works on most mobile phones with internet access that also support WAP (Wireless Application Protocol) 2.0, the international standard for applications using wireless communication.

Who can I contact if I need help with the mobile browser?


If you have questions, call 800-450-8949 or 701-298-1539, or stop by any Bell State Bank & Trust location.



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