Compare checking accounts

America's Best Free 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 State Bank & Trust, 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 Free Checking

Enjoy all the frees, and no "gotcha" fees!

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 — we automatically refund the first 4 ATM fees monthly (an average of one a week) from anywhere in the U.S., and you 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 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

Want to see the difference? Compare your bank.

America's Best Interest Checking

Get all the "frees" of America's Best free checking, and earn interest with this account.

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 – we automatically refund the first 4 ATM fees monthly (an average of one a week) from anywhere in the U.S., and you 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 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

View today's rates.

America's Best Premier Interest Checking

Earn interest on higher checking balances with this account, plus enjoy all the "frees" of America's Best free checking.

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 – we automatically refund the first 4 ATM fees monthly (an average of one a week) from anywhere in the U.S., and you 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 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

View today's rates.

Debit to win it!

You could be reimbursed for your purchases. Winning is as simple as using your Bell State Bank & Trust debit Mastercard.

Refer your family and friends

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

Refer your family and friends

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