Compare checking accounts

Get more frees (and no sneaky fees) with America's Best Checking Account!

When you open a checking account at Bell Bank, you get a variety of features – for FREE – that make your banking experience easier, safer and more fun! We offer you so many FREE features that we confidently call our personal accounts America’s Best Checking. Whether you want a checking account without a minimum balance, or you want to earn interest and are able to maintain a minimum balance, you’ll find the checking account that’s right for you at Bell.

America's Best Checking

  • No minimum balance
  • No monthly service fee
  • $50 minimum deposit to open

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Personal Banking and Checking

America's Best Interest Checking

  • Minimum $500 balance to earn interest and avoid service fee
  • $50 minimum deposit to open

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America's Best Premier Interest Checking

  • Minimum $5,000 balance to earn interest and avoid service fee
  • FREE savings overdraft protection transfers (enrollment required)
  • $50 minimum deposit to open

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All Bell Bank Checking Accounts Include

The Technology & Security Features You Need 


Mobile & Online Banking

Our FREE mobile app and online banking features let you do your banking on your schedule. You can pay your bills automatically, deposit checks online – even pay other people from the convenience of your computer or mobile device. Set balance alerts, and easily transfer funds between accounts, so you never have to worry about paying an overdraft fee. You can even use the FREE CardValet®1 app to turn your debit card on and off, set transaction controls and receive alerts when your debit card is used.

Personalized Debit Card

Who says banking has to be boring? At Bell, you can customize your debit card with your own photo or a team logo – all for FREE. Click here to get yours today.

Identity Theft Protection

Best of all, every personal checking customer is automatically covered if you become a victim of identity theft, even of non-Bell Bank accounts or credit cards. Simply call us when you notice suspicious activity and a FREE personal recovery advocate will contact banks, credit card companies and agencies such as the Department of Motor Vehicles, Social Security or the U.S. Post Office for you. Your advocate will work with you for as long as it takes to recover your good name. And FREE identity theft expense reimbursement insurance will cover out-of-pocket expenses during the recovery process, up to $10,000.2

Member FDIC

Plus, because Bell Bank is a member of the FDIC, all of a depositor’s accounts are insured by the FDIC up to the standard maximum deposit insurance amount of $250,000, for each deposit insurance ownership category.

1CardValet is a registered trademark of Fiserv, Inc.

2Insurance underwritten by Lyndon Southern Insurance Company. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. View complete coverage information here, or read the terms and conditions of Bell Bank's I.D. theft recovery program.

Your Bell Bank Checking Account Gives You

The Convenience You Want

ATM Access

It’s your money. We want to make it easy for you to make deposits and withdrawals. In addition to unlimited FREE ATM withdrawals at Bell Bank locations and 30,000 MoneyPass network ATMs nationwide, we automatically refund your first 4 domestic ATM fees on your monthly bank statement cycle. (For help finding MoneyPass ATMs, download the free MoneyPass locator app.)

Checks Blanks & Gift Cards

We also give you FREE standard check blanks – and you can buy up to 10 Visa® gift cards every year without paying the $4.95 activation fee per card most retailers charge or the $4 purchase fee banks often charge.


Savings Incentives

If you’d like to make saving money as automatic as paying your bills, we can help you with that, too. When you sign up for Bell’s FREE ChangeSaver™ program, you can “round up” your debit card purchases – and watch the difference automatically transfer into your savings account. Plus, Bell will match 5% of your total savings round-ups – up to $250 a year!3

3The 5% ChangeSaver match will be reported to the IRS on Form 1099INT. 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.

Choose from 3 convenient ways to open your America’s Best Checking account:

Need help switching banks? Find out how to switch your bank account here.
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Save Time & Money

Opening an America’s Best Checking Account? Why not save time & open a savings account now?

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