Switch to a Bank You’ll Love

Our experts truly care about your financial health – and are ready and eager to help.

Open a checking account on your time – in person or online – knowing we’ll be here to guide you through the process. (Plus, a $50 account-opening bonus* doesn’t hurt.)


Choose from 3 convenient ways to open your account:

Frees, Not Fees

At Bell Bank, you can expect America’s Best Checking with no minimum balance, no service charge and all the FREEs you’ll come to know and love.

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Meet Bell's Customers

Wil Dort

Co-owner of Skill Cuts Barbershop & Salon in Fargo, N.D.

“My first impression was like, ‘You guys have my business for life.’ You go there, they know you by name, it’s always a smile … I love that. And that’s something I try to put in my business.”

Lauren Forness & Lakota

College student in Fargo, N.D.

"Bell made it so easy for me to switch my accounts from my old bank (in 2016). Bell makes it easy to check my accounts online and transfer money between them or out of them if I need. I like that I can deposit checks right from my phone … instead of having to go into town.”


1Use any ATM nationwide, and we’ll refund their fees (first 4 on your monthly bank statement). 2All the convenience of mobile check deposit, standard bill pay, person-to-person payments and more. 3Bell matches 5% of your purchase “round-ups,” up to $250 a year. 4CardValet is a registered trademark of Fiserv, Inc.

*Open your new first-time Bell Bank personal checking account by December 31, 2021, and we will deposit $50 after the new account has been active 60 days with a recurring direct deposit (excluding transfers from another bank), 10 point-of-sale debit card transactions, or a recurring automatic payment. Bonus will be deposited within 5 business days after qualifications are met. Limit of one bonus per person and per account. New customer will receive a 1099-INT form for the $50 deposited to the new account. $50 minimum deposit to open. Cannot be combined with any other offer. Promo code: FALL50.