Message from Bell Bank Mortgage Servicing

Message to our Bell Bank Personal Loan Customers

Bell Bank is here to help our customers through these turbulent times caused by the Coronavirus pandemic. If you’ve been financially impacted and have concerns, please contact your Lender or call the nearest Bell Bank location.

What Bell Bank Is Doing to Address the Coronavirus

We appreciate the trust you place in Bell Bank and our team when you bank and do business with us. You are truly part of our Bell family.

To help reduce the spread of COVID-19 (coronavirus), as of Saturday, March 21, our drive-ups are open, but our lobbies are open by appointment only (except for our Maple Grove and Stillwater, Minn., locations, which are completely closed, and our Bloomington, White Bear Lake and Duluth, Minn., locations, which closed as of Friday, March 20). Pelican Rapids, Woodbury and Colonnade, Minn. and Chandler, Ariz. locations are open as usual.

Please call your Bell Bank branch to schedule an appointment. You can find your branch phone number here: Bell.Bank/Locations.

We’re taking every measure possible to protect the health of our customers, employees and community, while we do all we can to make sure we’re available to help you. We appreciate the trust you place in Bell Bank and our team when you bank and do business with us. Thank you for understanding the adjustments we must all make during this difficult time.

You also can be confident that you can bank anytime, anywhere it’s convenient for you when you use Bell Bank’s mobile app and online banking.

If you haven’t already done so, sign up for online banking, then download the Bell Bank mobile app on your mobile device.

You’ll be able to:

  • Access your accounts – for balances, transfers and more
  • Deposit checks – by taking a picture on your smartphone
  • Make payments – and send and receive money person-to-person with Popmoney

We strongly encourage our customers to use online and mobile banking services as much as possible during this time. You can also call our customer service department at 800-450-8949 – we’re open early and late, with hours from 7 a.m. to 10 p.m. CT weekdays, and from 7 a.m. to 6 p.m. CT weekends. Please let us know if there is anything specific Bell Bank can do to help you or your business.

Bell Is Here to Help

Here are other ways Bell is here for you:

  • Most of our drive-ups are open, and bankers are available to help you at most of our lobbies by appointment.
  • You can call our customer service team at 800-450-8949 from 7 a.m. to 10 p.m. CT weekdays and from 7 a.m. to 6 p.m. CT weekends.
  • If you are directly affected by COVID-19 and need banking assistance, call our customer service team at 800-450-8949 from 7 a.m. to 10 p.m. CT weekdays and from 7 a.m. to 6 p.m. CT weekends.
  • Remember, if we reach out to you, we will not ask you for confidential information. (Watch out for scammers, who may try to take advantage of situations like the coronavirus.)

Preparation for Coronavirus

We are continuing to monitor and take steps to address any issues, including:

  • Regular communication with our employees about travel guidelines, restrictions and reporting that follows the guidelines of the Centers for Disease Control (CDC) and health insurance providers including Blue Cross and Blue Shield of North Dakota
  • Regular promotion of hygiene to prevent illness
  • Preparation for location-specific measures as needed to limit the potential impact of the virus

We have policies, procedures and personnel who plan for and practice our response to scenarios like the coronavirus outbreak. Our top priority is to protect our customers and employees, even as we provide systems and expertise to ensure your day-to-day banking and financial services continue as seamlessly as possible.

We will keep you informed if there is new, specific information related to the coronavirus and Bell Bank.

Thank you for your continued trust in Bell Bank and for letting us serve you.

Where to Go for More Information

Remember, basic hygiene practices are very important in fighting the spread of disease. Cover your cough or sneeze. Use hand sanitizer as a method to prevent the spread of illness. Wash your hands often with soap and water for at least 20 seconds and keep your hands away from your face.

Additional Resources:

 

Message from Bell Bank Mortgage Servicing:

As the coronavirus (COVID-19) situation continues to develop, we’re taking every measure we can to protect the health of our customers, employees and community.

You can be confident that you can check your mortgage anytime, anywhere it’s convenient for you when you use Bell Bank’s mobile app and online banking. If you haven’t already done so, sign up for online banking, then download the Bell Bank mobile app on your mobile device.

You’ll be able to:

  • Access your mortgage (obtain information)
  • Make payments free of charge
  • Obtain payoff quotes
  • View mortgage statements

We strongly encourage our customers to use online and mobile banking services as much as possible. We are recommending limiting physical payments and instead utilize one-time draft through online banking or bill pay. We are also strongly encouraging obtaining payoff quotes online, and we are asking that all proceeds be sent via wire.

During this time, we recommend emailing any additional questions to reservicing@bell.bank whenever possible to allow our remote associates to respond in a timely manner. You can call our mortgage servicing customer service team at 866-387-0980 from 8 a.m. to 5 p.m. CT weekdays.

Remember, basic hygiene practices are very important in fighting the spread of disease. Cover your cough or sneeze. Use hand sanitizer as a method to prevent the spread of illness. Wash your hands often with soap and water for at least 20 seconds and keep your hands away from your face.

Additional Resources:

 

COVID-19 (coronavirus) Mortgage Payment Forbearance Option

Understanding your available option for assistance is an important step in managing hardships.

If you have been financially impacted by COVID-19 through illness, loss of income or employment and need assistance, you may qualify for mortgage forbearance – a plan that allows qualified applicants to reduce or “pause” their payments.

If you are considering mortgage forbearance, there are a few things we want to make sure you know:

  • If you qualify for a forbearance plan, you may be able to stop making your monthly mortgage payment for up to 3 months.
  • During the forbearance period, you will not be assessed any late charges, and negative credit reporting on your loan will be suspended.
  • Forbearance does NOT erase the amount you owe on your mortgage.   
  • A loan counselor will reach out to you before the forbearance ends to discuss a permanent payment option and solution.
  • Continuing to make your regularly scheduled mortgage payments (or partial payments) is recommended until you find out if you qualify. 

During a “forbearance period,” you are not required to make your monthly mortgage payments. However, if you are able to make even partial payments, it will reduce the amount outstanding at the end of the forbearance period.    

Your mortgage may be subject to additional investor or loan type requirements and guidelines. Additional options to assist you after the forbearance period may include:

  • Loan Modification: Permanently change the terms of your mortgage to bring it current.
  • Repayment Plan: Breaks up the amount owed that accumulated during the forbearance period. The balance is added to future payment until the full amount is repaid.

In order to avoid any negative credit impact, your account must be brought current following your forbearance plan using either a loan modification, repayment plan, or other options approved by investor, state and federal guidelines.

If you would like to be placed on a forbearance plan, please complete and submit the form below.  You must:

  • Affirm financial impact
  • Provide an amount (if any) you can afford monthly
  • Confirm your understanding of the repayment terms at the end of the forbearance period. 

The form will be submitted to our loss mitigation team for review. When approved, you will receive an email and agreement outlining the forbearance plan terms.

 

 

Message from Bell Insurance

Bell Insurance is taking every measure we can to protect the health of our customers, employees and the community during the COVID-19 (coronavirus) outbreak. We have asked that Bell Insurance team members who are able to work remotely do so at this time.

With this change, all face-to-face meetings will need to be by appointment only. If you need to stop by a Bell Insurance office, please call your agent first, as they may be working remotely, and we want to make sure the team onsite is prepared to serve you.

We are available as usual via phone, email, and through our front desk number at 800-369-2501 during normal business hours. Please let us know if you have any questions. We will continue to communicate any changes to you in the coming days.

Stay safe and healthy!

 

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