America’s Best Free Checking® Account

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 Free Checking.” Of course, you may also choose an interest checking account. You can’t go wrong.

Switch to America’s Best Free Checking, with no minimum balance and no service charge, and you’ll get:

  • FREE Mobile and Online Banking – Enjoy all the convenience of mobile check deposit, standard Bill Pay, account alerts, Personal Money Manager, bank-to-bank transfers and person-to-person payments.
  • FREE ATM Refunds Nationwide – We automatically refund your first 4 ATM fees monthly (an average of one a week) from anywhere in the U.S. (And of course, there are no ATM fees when you use any Bell onsite machine or 26,000 MoneyPass ATMs nationwide.)
  • FREE Debit Card with ChangeSaver™ – Sign up for ChangeSaver, and you can “round up” your purchases to watch your savings grow – plus, we match 5% of your roundups, up to $250 a year.
  • FREE Check Blanks, every order – You’ll never pay for checks again, because our standard checks are free.
  • FREE Identity Theft Recovery – We cover you for any type of identity theft, even of non-bank accounts and credit cards.
  • FREE Gift Cards – Buy up to 10 every year with no fee.

Have questions about opening an account? Read our Online Account Opening FAQs.

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Already a happy customer? Refer a friend, and you’ll each get $50. Find out more about our Refer-a-Friend program, or just print your $50 coupon.

Here’s More about Our FREEs
You won’t find a free checking account in America that beats all the “frees” we give our customers.

FREE Mobile Banking


Our mobile app for iPhone® or Android™ phones gives you account access from your smartphone or tablet. Just download the app from the Android market or App Store, log in, and you’ve got online banking – wherever your mobile device takes you! Learn more.


Set up Bill Pay within online banking, and you can use the Bill Pay feature on our mobile app to pay bills on your smartphone. Please note that standard Bill Pay is free; there may be a fee for expedited Bill Pay.


Access bill payments from your mobile phone – or use your phone to take a picture of a check, then text the image to our bank for deposit to your account! Learn more.


Enjoy many of the time saving features of Bell State Bank & Trust’s Personal Online Banking for free, right from your mobile device using our Mobile Browser. Check balances, make bill payments, transfer funds, locate the nearest branch or ATM and more.

Go to on your mobile device, and use our mobile-friendly interface to access online banking and view your accounts more easily. The mobile website, provides fast, free and secure access to your accounts.


Receive text alerts about deposits, withdrawals and more. To set up mobile alerts in Personal Online Banking, just go to the Mobile & Alerts tab.


Text your bank, and it texts you back! With mobile text banking, you can conveniently get account balances, transfer funds and receive low-balance and other alerts, all through your cell phone. (Normal charges and text messaging fees from your mobile carrier may apply.) If you are already a Personal Online Banking user, sign-on and go to the Mobile tab to enroll your cell phone and select your accounts and preferences.

If you have questions, call 800-450-8949 or stop by any Bell State Bank & Trust location.


You have 24/7 access to your account by calling 701-298-FAST (3278) or toll-free at 877-298-FAST (3278). With automated phone banking you can:

  • Access current account information
  • Review check, deposit and loan transactions
  • Transfer funds between accounts

FREE Online Banking

Access your accounts 24 hours a day, 7 days a week with Bell’s Personal Online Banking. With just a few clicks, you can bank online and check balances, review transactions and statements, transfer funds and view images of your checks, wherever it’s convenient for you.

View our Personal Online Banking overview and read our Personal Online Banking FAQs to learn more.

Sign up for the convenience of Personal Online Banking today!


Online Bill Pay lets you schedule ongoing payments for regular bills such as car loans, mortgage payments, cable, utilities or insurance premiums. Please note that standard Bill Pay is free; there may be a fee for expedited Bill Pay.

To learn more, view our Bill Pay demo and read our Bill Pay FAQs.

Sign on to Personal Online Banking to enroll in Bill Pay!


Go green! Sign up for Paperless Statements and get your bank statements online instead of by mail. It’s exactly the same as the statement you receive in the mail … only it’s online, so you can log in to view it when it’s convenient for you! (Need a hard copy? Just click “Print”!)

You can access all of your online Paperless Statements from 2008 onward. You are able to request statements dated prior to 2008 for up to 7 years from the date of request by calling Customer Service at 800-450-8949. Fees may apply.

Sign on to Personal Online Banking to view your Statements whenever and wherever you are.

Want to turn off paper statements? It’s simple!

  1. Sign on to Personal Online Banking
  2. Click on the Self Service tab
  3. Select Manage Account Preferences
  4. Check the box of each account under the Paperless Statements column


Set alerts via your email or mobile phone to see deposits or withdrawals from your account, low-balance alerts, excess spending in a specific budget category, and more.

Sign-on to Personal Online Banking to enroll in Email and Text Alerts.


Popmoney allows you to “Pay Other People” anywhere, any time. Money can be sent to any personal payee within the United States, including Alaska and Hawaii, but not the U.S. territories. Popmoney also has a request money feature.

There are 3 ways to send and receive money:

  1. Name and email address
  2. Name and mobile phone number
  3. Account number with routing number

It’s easy, fast and secure. To get started: Sign-on to Personal Online Banking and click on the Popmoney tab within Payments.

For more details, read our Popmoney overview and view our Popmoney Frequently Asked Questions FAQs to learn more.


You can transfer funds not only between your accounts held at Bell State Bank & Trust, but between your accounts here and those at other financial institutions. Account-to-Account transfers (A2A) can be made anywhere in the United States.

Access this feature by using the Transfer Money option within the Payments tab in Online Banking.


Our financial management tool allows you to do a few different things:

  • Track your expenses in an easy-to-read pie chart – so you can see where your money is going at a glance.
  • Set up monthly budgets for your spending categories. (This will help you each month to avoid overspending on the categories where you are trying to save money.)
  • Monitor your spending by setting up email alerts to let you know when you have exceeded any budget category.

Free ATMs Nationwide with Automatic Refunds

Bell State Bank & Trust was the first bank in town to rebate our customer’s ATM fees. We automatically refund your first 4 domestic ATM fees on your monthly bank statement (an average of one a week). And you get unlimited FREE withdrawals at 26,000 Money Pass ATMs nationwide (just look for the MoneyPass logo, or download the free MoneyPass locator app).

Remember, you can use your Bell State Bank & Trust ATM & Debit Card free at Bell State Bank & Trust locations.

FREE Debit Card with ChangeSaver™

Sign up for optional ChangeSaver™, and watch your savings grow. With ChangeSaver, you round up your purchases automatically each time you use your debit card, then transfer the difference into your Bell State Bank & Trust savings account. Or, make your savings grow even faster by choosing to add either $1 or $2 to each purchase. Learn more and sign up for ChangeSaver!

Don’t forget, you can save a trip to the ATM when you get cash back at the checkout for over the amount of purchase with your debit card. Just choose “debit” instead of “credit” and enter your PIN, and you can get cash back at thousands of participating merchants nationwide.

FREE Standard Check Blanks

Every personal checking customer gets every order of standard Bell State Bank & Trust checks free. If you are a Personal Online Banking customer, you can reorder your checks online after you log in. Sign up for Personal Online Banking to enjoy the convenience of online check ordering and more.

FREE Identity Theft Recovery

At Bell State Bank & Trust, every personal checking customer is automatically covered if you become a victim of identity theft. In fact, you’re covered for any type of identity theft, even of non-Bell State Bank & Trust accounts or credit cards. We know this is an important issue for our customers, and we are pleased to offer you some peace of mind.

Here’s how our FREE Identity Theft Recovery works:

  • It starts when you call us to report any type of suspected identity theft such as fraudulent use of your name, Social Security number, bank account, any credit/debit card, or other identifying information
  • A FREE Personal Recovery Advocate assigned to you will manage your recovery plan—and contact banks, credit card companies and agencies such as the Department of Motor Vehicles, Social Security and the U.S. Post Office for
  • FREE Identity Theft Expense Reimbursement Insurance will cover expenses up to $10,000. *
  • Your advocate will continue to work on your behalf for as long as it takes to recover your good name.

* Insurance underwritten by Virginia Surety Company. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. For details about Bell State Bank & Trust’s I.D. theft recovery program, view Terms and Conditions to see specific coverage information.

Plus, we offer Trusteer Rapport, a free online fraud protection software to protect your computer and your personal and business accounts. Learn more about how Trusteer Rapport works.

FREE (no fee) Visa® Gift Cards

Prepaid Visa® gift cards make great gifts! Bell State Bank & Trust personal checking customers can purchase no-fee gift cards at all Bell State Bank & Trust locations. There is a limit of 10 free cards per year; additional cards can be purchased for a fee of $4 per card. Minimum purchase amount is $25; maximum purchase amount is $500.

America’s Best Interest Checking

Our America’s Best Interest Checking ($500 minimum balance) and America’s Best Premier Interest Checking ($5,000 minimum balance) accounts offer you interest on your deposits. You get all the “frees” that come with America’s Best Free Checking account, plus free cashier’s checks, personal money orders, and notary service with interest checking accounts.

Today’s Rates

Checking Accounts
Type and Term Minimum Balance
(to earn interest)
Interest Rate Annual Percentage Yield (APY) Payment Frequency
America's Best Interest Checking $500.00 0.05% 0.05% Monthly
America's Best Premier Interest Checking† $5,000.00 to $49,999.99 0.10% 0.10% Monthly
$50,000.00 to $99,999.99 0.15% 0.15% Monthly
$100,000.00 or more 0.20% 0.20% Monthly

Annual Percentage Yield (APY) is variable and may change after account is opened. If fees are applied, earnings may be reduced. There is a $10 service fee on your Interest Checking account if the minimum balance is not maintained. Interest is earned on the daily collected balance each day the balance is at or above the minimum balance.
† The interest rate is paid on the entire balance in the account.

View our other account rates.



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