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. No kidding. That’s why we call it “America’s Best Free Checking®” account. Of course, you may also choose an interest-bearing checking account. You can’t go wrong – it’s easy to decide which account is right for you.


It really is America’s Best. Open our Free Checking account, with no minimum balance and no service charge, and you’ll get:

Refer a friend and Get $100 to Share. $50 for you and $50 for your friend. Find out more about our Refer-a-Friend program, or just print your $100 to Share coupon.

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

Return to Saved Application

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

Free ATMs Nationwide with Automatic Refunds

Bell State Bank & Trust was the first bank in town to rebate our customer’s ATM fees. Now, we automatically refund your first 4 domestic ATM fees on your monthly bank statement (an average of one a week). 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

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 Bell State Bank & Trust Debit Card. Just choose “Debit” instead of “Credit” and enter your PIN, and you can get cash back at thousands of participating merchants nationwide. (To report a lost or stolen checkbook or ATM & Debit Card, call 701-298-1550 or toll-free 800-450-8949.)

Plus, we offer ChangeSaver™. You can choose to round up your purchases automatically each time you use your debit card, and 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 about how Change Saver can help you save money every time you spend money!

FREE Mobile Banking

Bell Mobile App

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.

Mobile Bill Pay

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. You are able to view, edit and cancel scheduled payments.

Mobile Check Deposit

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.

Mobile Browser

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.

Mobile Alerts

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

Mobile Text Banking

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 State Bank & Trust location.

Automated Phone Banking

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

Online Banking

Access your accounts 24 hours a day, 7 days a week with Bell State Bank & Trust’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!

Bill Pay

Online Bill Pay lets you schedule ongoing payments for regular bills such as car loans, mortgage payments, cable, utilities or insurance premiums.

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!

Online Paperless Statements

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.

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

Email and Text Alerts

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® Person-to-Person Payments

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.

Bank-to-Bank Transfers

Now 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 new feature by using the Transfer Money option within the Payments tab in Online Banking.

Personal Money Manager

Our Financial Management system 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 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 you.
  • 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.

Easy Checking Account Opening

We make it easy to switch your checking account! To get started, just call our SwitchLine at 701-298-1550 (or toll-free 800-450-8949) for Express Account Opening by phone. Then relax! Our experienced bankers will help you with automatic payments, direct deposits, transferring balances and bill pay conversion to make sure everything goes smoothly for you.

Return to Saved Application

Refer a Friend and Get $100 to Share.

$50 for you and $50 for your friend. Know someone who would enjoy America’s Best Free Checking? Refer-a-Friend to bank with us. If they open a new personal checking account with direct deposit or automatic payment, we’ll give each of you $50. Just print your $100 to Share coupon, fill in your name, and give it to your friend when you tell them about America’s Best Free Checking. You will each receive your $50 when the new account has been opened for 60 days and a direct deposit or automatic payment has occurred. Remember, you can receive $50 EACH time someone you refer opens a new personal checking account with Bell State Bank & Trust. (Not valid with any other offers.)

Call 701-298-1550 or toll-free 800-450-8949 and talk to a banker during our expanded customer service hours, 7 a.m. to 11 p.m. Sunday through Saturday.

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, traveler’s checks and notary service with interest checking accounts.

Today’s Rates

Checking Accounts
Type and Term Minimum Balance
(to earn interest)
Interest Rate 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.



Our friendly personal bankers are here to help you open an account.


Find what you're looking for...