Compare checking accounts

America's Best Checking is worth the switch!

We haven't found a free checking account in America that beats all the frees we give our customers. That's why it's America's Best!

You'll still get all those frees if you choose an interest checking account, too. You can't go wrong.

Why Bell

At Bell Bank, you can always count on real people with real expertise. You’ll feel good about your local, independent bank that’s here when you need us.

America's Best Checking

Enjoy all the frees, and no "gotcha" fees! $50 minimum deposit to open.

Features & Benefits

  • No minimum balance, no service charge
  • FREE Mobile App & Online Banking – all the convenience of mobile check deposit, standard bill pay, person-to-person payments and more
  • FREE ATM Refunds Nationwide — use any ATM nationwide, and we'll refund their fees (first 4 on your monthly bank statement). You also get unlimited free withdrawals at 24,000 MoneyPass ATMs
  • FREE Check Blanks, every order — never pay for checks when standard checks are free
  • FREE Debit Card with EMV chip security, CardValet to manage your own card, AND ChangeSaver™ – Bell matches 5% of your purchase “round-ups,” up to $250 a year, when you sign up for this fast and easy way to grow your savings
  • FREE Identity Theft Recovery – you’re covered for any kind of I.D. theft, even of non-bank accounts and credit cards
  • FREE Gift Cards – buy up to 10 every year with no fee – additional cards can be purchased for a fee of $4 per card, minimum purchase amount is $25; maximum purchase amount is $500

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America's Best Interest Checking

Get all the "frees" of America's Best checking, and earn interest with this account. $50 minimum deposit to open.

Features & Benefits

  • Minimum $500 balance to earn interest and avoid service fee
  • FREE Mobile App & Online Banking – all the convenience of mobile check deposit, standard bill pay, person-to-person payments and more
  • FREE ATM Refunds Nationwide – use any ATM nationwide, and we'll refund their fees (first 4 on your monthly bank statement). You also get unlimited free withdrawals at 24,000 MoneyPass ATMs
  • FREE Check Blanks, every order – never pay for checks when standard checks are free
  • FREE Debit Card with EMV chip security, CardValet to manage your own card, AND ChangeSaver™ – Bell matches 5% of your purchase “round-ups,” up to $250 a year, when you sign up for ChangeSaver, the fast and easy way to grow your savings
  • FREE Identity Theft Recovery – you’re covered for any kind of I.D. theft, even of non-bank accounts and credit cards
  • FREE Gift Cards – buy up to 10 every year with no fee – additional cards can be purchased for a fee of $4 per card, minimum purchase amount is $25; maximum purchase amount is $500

Apply now

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America's Best Premier Interest Checking

Earn interest on higher checking balances with this account, plus enjoy all the "frees" of America's Best checking. $50 minimum deposit to open.

Features & Benefits

  • Minimum $5,000 balance to earn interest and avoid service fee
  • FREE Mobile App & Online Banking – all the convenience of mobile check deposit, standard bill pay, person-to-person payments and more
  • FREE ATM Refunds Nationwide – use any ATM nationwide, and we'll refund their fees (first 4 on your monthly bank statement). You also get unlimited free withdrawals at 24,000 MoneyPass ATMs
  • FREE Check Blanks, every order – never pay for checks when standard checks are free
  • FREE Debit Card with EMV chip security, CardValet to manage your own card, AND ChangeSaver™ – Bell matches 5% of your purchase “round-ups,” up to $250 a year, when you sign up for ChangeSaver, the fast and easy way to grow your savings
  • FREE Identity Theft Recovery – you’re covered for any kind of I.D. theft, even of non-bank accounts and credit cards
  • FREE Gift Cards – buy up to 10 every year with no fee – additional cards can be purchased for a fee of $4 per card, minimum purchase amount is $25; maximum purchase amount is $500

Apply now

Call us

location iconFind a location


View today's rates

Manage your debit cards with CardValet®

Our new CardValet app lets you control all of your debit cards with the phone in your pocket.

Fight online fraud by updating antivirus software

At Bell, we highly recommend that you install and update antivirus/anti-malware online security software to prevent fraudsters from accessing your personal information.

Refer your family and friends

When they open a new personal checking account with us, we’ll give each of you $50.