Savings Accounts

Choose the Best Savings Account for You

Bell State Bank & Trust has personal savings accounts with varying minimum balance requirements and interest rates, so you can find the account that fits you. Have questions about opening an account? Read our Online Account Opening FAQs.

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Compare Savings Accounts

Regular Savings

Our standard savings account has a low minimum balance of just $50. There’s no service fee if you maintain the minimum balance, and you get 6 free withdrawals or debits per month. Variable interest is compounded quarterly.

Money Market Savings

Bell State Bank & Trust’s Money Market Savings account rewards higher balances with higher rates. This account has a minimum balance of $500, with no service fee if the minimum balance is maintained. Limited check writing is also available with Money Market Savings Plus. Variable interest is compounded monthly.

Premier Money Market Savings

A Premier Money Market Savings account offers our highest interest yields for savings accounts over $25,000. There is no service fee if the minimum balance of $5,000 is maintained. Limited check writing is also available with Premier Money Market Savings Plus. Variable interest is compounded monthly.

Today’s Savings Account Rates

Savings Accounts
Type and Term Minimum Balance
(to earn interest)
Interest Rate Annual Percentage Yield (APY) Payment Frequency
Regular Savings $50.00 0.05% 0.05% Quarterly
Money Market Savings

Money Market Savings Plus
$500.00 0.10% 0.10% Monthly
Premier Money Market Savings*†

Premier Money Market Savings Plus*†
$25,000.00 to $99,999.99 0.10% 0.10% Monthly
$100,000.00 to $249,999.99 0.15% 0.15% Monthly
$250,000.00 to $499,999.99 0.15% 0.15% Monthly
$500,000.00 to $999,999.99 0.20% 0.20% Monthly
$1,000,000.00 or more 0.25% 0.25% Monthly

Annual Percentage Yield (APY) is variable and may change after account is opened. If fees are applied, earnings may be reduced.
* Balances of $5,000.00 to $24,999.99 will earn an interest rate of 0.10% for an APY of 0.10% monthly.
† The interest rate is paid on the entire balance in the account.

Open a Savings Account

To open your savings account, stop by any Bell State Bank & Trust location. Or get started by calling our SwitchLine at 701-298-1550 (or toll-free 800-450-8949) for Express Account Opening by phone.

Call and talk to a banker during our expanded Customer Service Call Center hours, 7 a.m. to 11 p.m., Sunday through Saturday.

Savings Account Advantages

Now, perhaps more than ever, people are putting money away … to help their kids learn to manage their money, save for special goals such as trips, earn interest on easily accessible assets, or maintain as an emergency fund for a “rainy day.”

You may need a savings account for easy access to your funds, and one that doesn’t require you to maintain a high balance. As you grow your savings, you might want an account that will yield a higher rate of interest on your funds. You may also want the convenience of occasional check-writing privileges when needed.

Bell State Bank & Trust savings accounts have several advantages:

  • They are insured by the FDIC.
  • Account minimums are low on several savings accounts – just $50 on Regular Savings, and $500 on Money Market Savings.
  • Accounts such as Money Market Savings are “liquid,” allowing you easy access to your money through transfers, checks or ATMs so your funds aren’t locked in for a specific time period.
  • You can access funds as you need them, while still earning interest on your savings.
  • Online Paperless Statements are free.

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Calculate Your Savings

Use our calculators to determine how much your savings could accumulate over time to reach a particular savings goal.



Our personal bankers are here to help you open a savings account.


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