Make Saving Automatic with ChangeSaver™
Save While You Spend With Your Bell Bank Debit Card
Sign up for our FREE ChangeSaver™ program to grow your savings the fast, easy way! With ChangeSaver, you can “round up” your debit card purchases – and watch the difference automatically transfer into your savings.
Choose ChangeSaver, and every bag of groceries, cup of coffee and tank of gas purchased with your Bell Bank debit card automatically adds up to more savings for you. The more you use your debit card to make everyday purchases, the more you’ll save.
Plus, Bell Bank will help you increase your savings by matching 5% of your total savings round-ups – up to $250 a year!*
How ChangeSaver Works
When you sign up for ChangeSaver, you can choose from 3 round-up options, including:
- Round up to the nearest dollar
- Round up your purchase by $1
- Round up your purchase by $2

Note: In personal online banking, you would see 2 charges (or debits) to your checking account – for example: $11.57 for the initial purchase and $0.43 for your savings round up. Then, in your savings account, you would see a $0.43 deposit (or credit).

What You Need to Sign Up for ChangeSaver
To participate in the Bell Bank ChangeSaver program you’ll need:
- A Bell Bank personal checking account with a debit card
- A Bell Bank savings account
How to Sign Up for ChangeSaver
Once you have a Bell Bank savings and checking account, there are 2 ways to sign up for ChangeSaver:
- Call 701-298-1550 to sign up by phone
- Stop by any Bell Bank location
*The 5% ChangeSaver match will be reported to the IRS on Form 1099INT. The annual match limit is $250. You need to be enrolled in ChangeSaver and have your checking and savings account open on the last day of the year to receive your 5% match for the year. If you close either account before the end of the year, matching funds are forfeited.
ChangeSaver Frequently Asked Questions (FAQs)
After I sign up for ChangeSaver, when will the money transfer from my checking to ChangeSaver savings begin?
If I have a joint checking account, and both owners have debit cards, will ChangeSaver apply to both cards?
How often are my round-ups transferred to my savings account?
Does ChangeSaver work any differently if I choose “Debit” (and enter a PIN) or “Credit” (and sign my name) at the store?
What if I return an item that I purchased with my debit card? What will happen to my debit card round-up transfer?
What if I overdraw my checking account?
- A negative balance already exists
- The transfer will create a negative balance (i.e., will overdraw your account)