Online Account Opening Frequently Asked Questions (FAQs)

How can I open an account online?

Opening your account online is secure, fast and easy. Click on the link below, and follow the easy steps. You will be notified once your application is received.

We welcome residents of Eastern North Dakota, West Central Minnesota and the Twin Cities Metro area to open an account online.

   Return to Saved Application

What do I need to apply online?

Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. We will ask for personal information to identify you. We may also ask to see your driver’s license, or other identifying documents.

If I am already a Bell State Bank & Trust customer, will I be required to input my ID information, Social Security number and address?

Yes. All applicants, including Bell State Bank & Trust customers, are required to enter in all information requested on the application.

Do I have to be a certain age to open an account online?

All applicants need to be 18 years of age to apply online. If you’re under the age of 18, please stop by one of our locations with a parent or guardian to open an account.

What information do I need to open a joint account?

You’ll need the same information that’s needed when opening an individual account – but you’ll need information for both applicants. For details, please see the question and answer above. Please note that each co-applicant has to sign the account documents.

How do I make an initial deposit for an account that I just opened?

To make your initial deposit online, options available are:

  • Transfer money from a current Bell State Bank & Trust account
  • Transfer money from another financial institution
  • Mail a check, money order or cashier’s check
  • Drop off a check or cash at any Bell State Bank & Trust location
  • Wire transfer (fees may apply)

Is my online application secure?

At Bell State Bank & Trust, your online information is secure, and you can be confident that no one else has access to it. Visit our security section for additional information.

How long will it take to open an account when I apply?

Completing your application process online should take about 10 minutes. Your application will then be processed. After being approved for your account by Bell State Bank & Trust, you have 10 business days to return your new account documents and fund your new account.

How do I get my online account opening documents?

As part of your online application, you will be asked to give consent to receive certain account opening documents and notices from us electronically. Upon approval, you will be provided a confirmation code to obtain your new account documents. If you do not wish to consent to receiving documents electronically, you may visit any Bell State Bank & Trust location to apply in person.

Will I be required to return the account documents to Bell State Bank & Trust?

Yes. Upon approval, you will receive a confirmation code to obtain your account documents with instruction to print, sign and return the documents to Bell State Bank & Trust. Your account will not be opened until we receive your account documents.



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