Traveling soon? Here are ways to avoid issues with your Bell State Bank & Trust ATM/debit card.

Whether you are traveling for business or for pleasure in the U.S., we recommend the following:

Before You Travel

  • Set up online access to your bank accounts.
    Use our secure personal internet banking system to check balances, make payments and transfer funds; as well as to review your account activity to ensure your transactions have posted correctly.
  • ALWAYS take more than one form of payment with you!
    In addition to your ATM/Debit card, bring along cash, checks and one or two credit cards in case your ATM/Debit card is stolen, damaged, or doesn’t work.
  • Compile a list of telephone contact numbers.
    Carry these numbers with you in case you lose your ATM/Debit or credit card.
    Bell State Bank & Trust Customer Service Center: 701-298- 1550
    24-Hour Phone Banking: 701-298-FAST (3278) or 877-298-FAST(3278)
    To report a lost or stolen checkbook or ATM & debit card: 701-298-1550 or 800-450-8949
    You can always find our contact information on our website.
  • Do not divulge the fact that you are traveling.
    When using social media networks, do not write that you will be traveling or out of town.
  • We recommend you contact our Customer Service Center.
    Feel free to contact us any time you plan to travel outside your normal spending area. Notifying Bell State Bank & Trust in advance allows us to note your travel route and destination and avoid denying transactions in the event you’re traveling in areas of the country that are considered high-fraud areas (examples are California and Nevada).

While You are Traveling

  • To report a lost or stolen ATM/Debit card.
    Call 701.298.1550 or 800.450.8949, anytime, day or night.
  • Make sure you respond if our fraud department calls you.
    Please respond to any messages received from our fraud detection services by calling 1-877-372-3495 or 866-750-9107 as soon as possible to minimize any restrictions to your card access.
  • Whenever possible please perform your cash withdrawals at a Financial Institution ATM terminal.
    Avoid using any free standing ATMS (an example is an ATM on a street corner near shops). Free standing ATMs do not have cameras and as much security as ATMs that are located on the property of a financial institution.

After You Return Home

  • Examine your accounts
    Carefully examine your bank statements and continue to do so for several months. If you notice any unusual or unauthorized charges, please inform Bell State Bank & Trust immediately.

Issues you could run into while traveling within the U.S.

  • Verify your card expiration dates and spending limits.
    If your ATM/debit card is expired, merchants may not accept it as a form of payment. Also, each of our customer’s ATM/debit cards has a daily spending limit as a fraud prevention measure. If you go over this limit, your purchases will be declined. Daily limits can be temporarily raised for vacations, special purposes, etc. Call our customer service call center at 701.298.1550 to raise your spending limit.

We welcome any questions and concerns regarding your ATM/debit card. Please call our customer service call center at 701.298.1550 Monday – Friday 7 a.m. – 10 p.m. and Saturday 9 a.m. – 5 p.m. with any questions.

If you are traveling internationally, please read the Top 10 Tips for Debit and Credit Card Holders Traveling Internationally article.


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