Which accounts are right for you? Who do I talk to about a mortgage? How can I apply for a loan? Find the personal banking services you and your family need at Bell State Bank & Trust.


You won’t find a checking account in America that beats all the “frees” we give our customers.

  • FREE ATMs with Automatic Refunds — First 4 per statement cycle (an average of one a week), and no need to save receipts!
  • FREE Debit Card with ChangeSaver™ – with free cash back at the checkout and Change Saver to grow your savings
  • FREE Mobile and Online Banking, including our Bell Bank Mobile App
  • FREE Check Blanks — every order
  • FREE Identity Theft Recovery
  • FREE (no fee) Visa® Gift Cards

read more »


Looking for savings accounts with low minimum balances? Higher interest? We’ll help you save!

  • Regular Savings – Just $50 to open.
  • Money Market Savings – Higher interest rate with a minimum deposit of $500.
  • Jumbo Money Market Savings – Highest interest yielding account.

read more »

Certificates of Deposit (CDs)

Certificates of deposit (CDs) provide customers a “safe haven” for parking their money while accumulating interest. Putting money into a CD and getting it out are easy, so depending on how long the term of your CD, it offers “liquidity” in that your funds aren’t locked up for too long. Because many CDs can be opened for as little as $500, they are affordable to even the smallest investor.

read more »


Protect your retirement with a Roth or traditional IRA. No commissions, annual fees or hidden charges. Bank individual retirement accounts (IRAs) can offer several advantages as a low-risk investment. Bank IRAs have terms of 1 month to 5 years, with rates corresponding to our regular certificate of deposit (CD) rates. With our variable rate bank IRAs, you may add deposits at any time. All Bell State Bank & Trust’s bank IRAs are subject to IRS rules and regulations.

read more »

Health Savings Accounts (HSAs)

Take control of out-of-pocket expenses for healthcare by opening a medical savings account. For most of us, healthcare costs are a top financial concern. With an HSA, you take control of your healthcare dollars. Spend for today, or save for tomorrow – your money grows, tax-free, until you need it.

read more »

Home Equity Loans

Whether you need a loan for that home improvement project or just want a personal line of credit in case of an emergency, Bell State Bank & Trust can help you find a home equity loan or line of credit that suits you. With competitive rates and flexible programs, you can get the most financial benefit from the equity you have in your house.

read more »

Auto Loans

Looking at a new car purchase? Check with us for today’s rates and terms on auto financing.

read more »

Personal Loans

Get a fast decision on your loan application. We’ll have an answer for you in 30 minutes or less on most consumer loans from Bell State Bank & Trust. Call us for today’s rates and terms for:

  • Cars
  • Trucks
  • Motorcycles
  • Boats
  • RVs
  • Snowmobiles, Jet Skis or ATVs

read more »


We make it easy to switch your checking to Bell State Bank & Trust. You can open your account online or in person, or call our SwitchLine to get started!

read more »


Find what you're looking for...