Personal Online Banking Frequently Asked Questions (FAQs)

Online Banking Access

How do I change my password?

You can change your password at any time simply by clicking on the Self Service tab and Change Username/Password under Preferences. Enter the requested information and click Change Password. A valid password is 6 to 17 characters in length and contains both letters and numbers. The following special characters are allowed: _-‘.,#”@:?!()$/. Spaces are not allowed.

How do I change my Username?

You may elect to change your Username at any time. Log in to Personal Online banking and choose Change Username/Password from the Preferences section under the Self Service tab.

What if I forget my Username?

If you cannot recall your Username, please contact us at 800-450-1529. Upon verifying your identity, we will be happy to provide you with your Username or change your Username to something of your choosing.

What if I forget my password?

Enter your Username and choose the Forgot Your Password link on the login screen Access Your Account. The system will prompt you to verify your identity and allow you to set up a new password. If you need additional assistance, please contact Customer Service at 800-450-1529. As a reminder, a valid password is 6 to 17 characters in length and contains both letters and numbers. The following special characters are allowed: _-‘.,#”@:?!()$/. Spaces are not allowed.

I’m locked out of Online Banking. How do I get my account unlocked?

Please contact our Customer Service team at 800-450-1529.

How long can I stay in Online Banking before the system logs me out?

As a security measure, the system is set to automatically log you out of your session if it has been inactive for 15 minutes. Once the system becomes inactive, a screen appears stating the session has expired due to inactivity.

How can I label each of my accounts for easy identification?

You can change your account nicknames at any time simply by clicking on the Self Service tab and Manage Account Preferences under Preferences. In the Account Nickname column, modify the account nickname to your personalized nickname.

How can I discontinue receiving bank account statements by mail?

You can update your statement preference by clicking on the Self Service tab and Manage Account Preferences under Preferences. In the Paperless Statements column, checking the boxes in this column will turn off your paper statements by account.

I have a combined statement, how can I change my statement delivery options?

Please contact Customer Service at 800-450-1529 to make changes to your combined statement. At this time, you cannot make changes to your combined statement options online.

I have a personal line of credit, where is my online statement?

A personal line of credit is attached to a checking account. If your personal line of credit statement is not combined with your personal checking statement, please contact Customer Service at 800-450-1529.

If I have both business and personal accounts, can I view them together?

Yes, you can. Call us at 701-298-1565, and we will provide you with the necessary paperwork to complete this request.

System Requirements

Why is the font on my screen so small and overlapping?

In most cases, this is a browser compatibility issue. If you are using Internet Explorer 8 or 9, you will need to open an Internet Explorer browser and click Tools (or press F12). From the drop-down menu, select Compatibility View.

Why do I have to answer my challenge questions each time I log in?

In most cases, you are using an unsupported browser.

What Internet browsers are supported?

The supported browsers are as follows:

  • Internet Explorer 7
  • Internet Explorer 8 through11 in compatibility mode
  • Safari
  • Firefox
  • Chrome

Account Detail

How do I add or delete accounts to/from my existing Personal Online Banking?

New and closed personal accounts automatically are added and removed to online banking. To stop viewing an account online, choose Manage Account Preferences from the Preferences section under the Self Service tab. Unmark the Display Online option for each account you do not wish to view online.

Why does my account balance have parenthesis around it?

The parenthesis around an account balance means the balance is negative.

How much transaction history is maintained?

Transaction history is available as far back as 24 months.

How much transaction history can I view at one time?

You are able to search transaction history in a 3 month range at one time.

Can I set up email alerts or notifications?

Yes, email alerts can be set up to notify you of balances, transactions, new messages, and budgets. For example, you can set up an alert that notifies you via email that your account balance has dropped below a particular amount. To set up these alerts, click on the “Mobile & Alerts” tab. If this is the first alert you are establishing, you must set up the contact you wish the alert to be sent to. This can be done under the My Settings section of the “Mobile & Alerts” tab. Once contacts are set up, you can go to My Alerts, select the type of alert and complete the required fields.

Can I set up mobile text alerts?

Yes, select the “Mobile & Alerts” tab and enroll your mobile phone number. Once your phone is enrolled, choose My Alerts in the “Mobile & Alerts” tab to set up your alert preferences.

Can I view my account statement online?

Yes. An electronic version of your statements, including check images, is provided through Online Banking. To view statements, click on the Accounts tab, Statements and select an Account. In addition to viewing statements, you can save them and then print them at your convenience.

What is the difference between, Available and Current balances?

Current balance is your beginning daily balance plus any direct deposits, and includes any online banking or phone transfers between your Bell State Bank & Trust accounts. Available balance includes any additional debits and credits that occur throughout the day (such as checks, over-the-counter deposits, debit card purchases and electronic payments).

I have several accounts. How can I label each account for easy identification?

It is simple to add a nickname to each account! Choose Self Service tab and choose Manage Account Preferences link. Edit boxes appears on the right-hand side next to each account, and simply type the new nickname in the box and choose Update Preferences.

There are some account transactions that appear in italics and cannot be categorized or updated, why?

The first time you enroll, all transactions will appear in italics. New activity will also appear in italics on the day it posts to your account. During our nightly processing, the italicized transactions will be processed and you will be able to update and categorize these transactions the next business day.

Transaction Downloads/ Quicken

Can I export my account information to my financial management software?

Yes. You can export account information to Quicken®, or into a spreadsheet program such as Microsoft® Excel. To export transactions, click the Accounts tab and click the Download sub-menu. Select the account, appropriate dates; file type for which you would like to download transactions. When using Quicken®, transactions can be updated by clicking the “One Step Update” option within Quicken®.


What is the cut-off time for transferring funds?

The cut-off time for a transfer for the current business day’s activity is before 11 p.m. CT. Transfers submitted after 11 p.m. CT on a business day, weekend or holiday will post to your account the next business day.

What time do scheduled transfers occur?

Scheduled transfers occur on weekdays at 8 p.m. CT. On weekends they process at 1 p.m. CT.

I did a same-day transfer on the weekend, why does the transfer date in my account activity show as the next Monday’s date?

Same-day transfers completed from Friday at 11 p.m. CT through Sunday night will be completed immediately upon confirmation and you will see the change in account balances. In the account activity, the transaction will show in italics for the next Monday’s date. The account activity needs to update on Monday night for it to no longer be in italics and to be able to be categorized. To verify when your transfer was made, go to the Transfers tab and then click on Transfer History.


How do I log in to the Online Banking System?

Enter your Username in the Secure Login box at You will then be asked to verify your TrueStamp and enter your password.

I’m having trouble signing on. What am I doing wrong?

The most common reasons for not being able to sign in are that either the username or password being entered does not match your profile, or when prompted to answer a security question, the answer provided does not match what was provided previously.

When logging in, you are allowed three 3 invalid login attempts before the system locks your username. If you do not remember your password, and have not been locked out, you may click on the “forgot password?” link for further assistance. The security question will lock you out after three invalid answers have been provided.

Contact us at 800-450-1529 or 701-298-1539 to have your username unlocked, or your password and/or security questions reset. If you are receiving a specific error message that is not associated with your username, password, or security questions, have this error message at hand and when you call. We will be happy to assist you with troubleshooting the message so you can access your Personal Online Banking.

What is a TrueStamp?

A TrueStamp is a memorable phrase which helps you verify the authenticity of the Online Banking website. Do not use sensitive information such as account numbers, passwords or social security number in your TrueStamp phrase.

I started receiving email transaction alerts only once a day, why?

Many of the email alerts that are tied to specific transaction types (such as checks clearing and ATM withdrawals) require nightly processing to trigger the alert. Generally you will receive the alert the next morning.

Self Service

What banking services can be performed online with Online Banking?

Several services are found under the Self Service tab in Online Banking such as Check Ordering, Stop Payments, Changing Email Address, etc.

Have a question about our payment features? Read our Payment Features (Bill Pay, Popmoney and Bank-to-Bank) Frequently Asked Questions (FAQs).





Find what you're looking for...