Private Banking

People with more wealth often have more complex financial needs. Bell State Bank & Trust’s private banking department is designed to meet the specialized needs of professionals and high-net-worth individuals and their families. Our goal is to build a long-term private banking relationship with you, founded on exceptional service and the personalized resources you need to manage your financial affairs.

Access to Financial Resources

Whether you want to ensure that your day-to-day banking goes smoothly, or require more comprehensive financial services, your private banker brings you immediate access to all of Bell State Bank & Trust’s financial resources. Your private banker will assist you with everything from deposit accounts and credit cards to consumer, business and home loans and can connect you with other specialized services such as trust and investments. Talk to a private banker about your banking needs.

Checking & Savings

We offer our private banking customers the option of America’s Best Premier Interest Checking. This account with a $5,000 minimum balance features all the “frees” of our Bell State Bank & Trust checking accounts, along with interest earned at our highest checking account rate, plus:

  • Free cashier’s checks, personal money orders and traveler’s checks
  • Free notary service
  • Images of canceled checks returned monthly

Today’s Checking 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.

Today’s Money Market Savings rates

Our Money Market Savings and Jumbo Money Market Savings accounts allow you to earn higher rates of interest for higher balances. With these accounts, you have the ability to deposit or withdraw funds any time, plus check-writing privileges.

Today’s Money Market Savings Rates

Savings Accounts
Type and Term Minimum Balance
(to earn interest)
Interest Rate 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 0.20% 0.20% Monthly
$500,000.00 to $999,999.99 0.25% 0.25% Monthly
$1,000,000.00 or more 0.30% 0.30% 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.

Rewards Credit Card

We offer a Visa® Signature credit card, featuring rewards or travel points and no annual fee.

Loans & Lines of Credit

Our Executive Line of Credit features no annual fee, flexible repayment options and a preferred interest rate. We also offer preferred rates and fee-free home equity lines of credit.

Other VIP Services

As a private banking client, you have access to a broad range of services. If you need a mortgage, your private banker will make it easy for you, working closely with Bell State Bank & Trust’s real estate lenders to tailor financing that fits your needs.

If you’re a business owner, you can also call on your private banker for help in managing both personal and business finances, including loans for commercial and commercial real estate investments.

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Contact us to talk to a talk to a private banking team member about our specialized services.

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