Personal banking

Personal Savings Account: Choose a Way to Save

You work hard for your money. Find the savings account, certificate of deposit or bank IRA option that matches your savings goals! 

half circle logo
half circle logo

Compare Personal Savings Account Options

Compare balance requirements, interest rates and other features across different types of savings accounts to choose the best fit to meet your financial goals. 

 

Regular

$50 minimum opening deposit
Perfect for first-time savers, our most popular savings account has our lowest minimum balance of $50 to earn interest and avoid service fees.
Details
  • No service charge if you maintain a minimum average monthly balance of $50
  • Interest earned each day the balance is $50 or more
  • 6 free withdrawals or debits per calendar month
  • Variable interest compounded quarterly
  • Option to use as overdraft protection on a Bell checking account (enrollment required)

Money Market Savings

$50 minimum opening deposit
Earn more when you grow your savings. This account earns a higher interest rate than our regular savings and requires a $500 minimum balance to earn interest and avoid service fees.
Details
  • No service charge if you maintain a minimum balance of $500
  • Interest earned each day the balance is $500 or more
  • 6 free withdrawals or debits per monthly statement period
  • Variable interest compounded monthly
  • Option to use as overdraft protection on a Bell checking account (enrollment required)

Premier Money Market Savings

$50 minimum opening deposit
Great for those with a high level of savings, this account offers our highest yields. A minimum balance of $5,000 is required to earn interest and avoid service fees.
Details
  • No service charge if you maintain a minimum balance of $5,000
  • Interest earned each day the balance is $5,000 or more
  • 6 free withdrawals or debits per monthly statement period
  • Variable interest compounded monthly
  • Option to use as overdraft protection on a Bell checking account (enrollment required)

Elite Money Market Savings

$50 minimum opening deposit
This account offers our highest yields. A minimum balance of $25,000 is required to earn interest and avoid service fees.
Details

 

  • No service charge if you maintain a minimum balance of $25,000
  • Interest earned each day the balance is $25,000 or more
  • 6 free withdrawals or debits per monthly statement period
  • Variable interest compounded monthly
  • Option to use as overdraft protection on a Bell checking account (enrollment required)

Certificates of Deposit and Individual Retirement Accounts (IRAs)

Competitive rates, a range of terms, and flex options make our certificates of deposit (CDs) a great choice for savers who want to earn interest. Individual retirement accounts (IRAs) can be a low-risk investment for retirement, with several tax advantages.

Fixed-Rate CDs

Competitive local rates that remain the same for the term of the account.
Details


  • Minimum $500 deposit to open
  • Terms from three months to five years

Flexible CDs

Gives you greater flexibility with your funds.
Details


  • Minimum $5,000 deposit to open
  • If rates go up – increase the interest rate once during the term
  • If you need cash – withdraw up to half without penalty once during the term

IRAs

Bank IRA rates correspond to our regular certificate of deposit rates. Contributions may be added to variable rate retirement accounts at any time.
Details


An individual retirement account can be a low-risk investment for retirement, with several tax advantages. Our bank retirement accounts have terms ranging from one month to five years.

  • No annual fees, commissions or hidden charges
  • No risk – FDIC insured up to $250,000
  • Tax-deferred earnings – so your money grows faster
  • Trade up – after age 59 1/2, you may trade up to a higher rate once a year
  • Your retirement funds stay local

In most cases, you can't withdraw the money from an IRA without penalty until you reach the age of 59 1/2. CD-funded individual retirement accounts offer stable investment opportunities, and are FDIC insured. Consult your tax advisor to see if one is right for you.

Elite Money Market Savings FAQs

  • Can I withdraw money from the Elite Money Market account?
    Yes, you can easily access the cash in your money market savings account and make withdrawals and deposits when you need. There is a $5 fee for each withdrawal over 6 in a monthly statement period.
  • Will the account’s interest rate change?
    Money market savings accounts have variable interest rates, and may go up or down depending on external market conditions.
  • Does the Elite Money Market Savings account have fees?
    There are no fees on the account as long as the minimum balance of $25,000 is met. If the balance is not met, a $10 service fee will be charged.
Bell Bank City Center Building

Switch to a Savings Account You'll Love

We make personal banking easy just for you. Choose from two convenient ways to open a savings account by signing up online or stopping by a location.

Related Products

Mobile deposit

Checking

Explore America’s Best Checking™ account offers, but more FREE features than you’ll find at any other bank.
Credit Card at Computer

Credit Card

Choosing a credit card is easier than ever. Review our options to get more value, save on interest, improve your credit score and more.
Elan Financial Services is the creditor, issuer and servicer for Bell Bank credit cards.
Bell Bank Mortgage

Mortgage

Buying or building a new home? Refinancing? Purchasing a vehicle? Getting married? Bell has loans for all ages and stages of your life.

Still have questions?

Our team is available to help answer your questions about savings accounts and other personal banking offerings. Contact customer service toll-free at 800-450-8949. Weekdays from 7:00 a.m. to 10:00 p.m. CT, and weekends from 7:00 a.m. to 6:00 p.m. CT.