Bell Bank

Overview / Commentary
3100 13th Avenue, South
Fargo, ND 58103

Bell Bank is headquartered in Fargo and is the largest bank in the state of North Dakota. It is also the 165th largest bank in the nation. It was established in 1966 and as of December of 2021, it had grown to 1,750 employees at 28 locations. Bell Bank has an A+ health rating.

Reviews (3)

Unmatched Customer Service

Bell Bank has to be the best bank in North Dakota and Minnesota. Their customer service is outstanding. Every single employee I've encountered was extremely nice and willing to assist. Their employees are very respectful and professional. If you're looking at opening another checking account or switching to another bank, I'd recommend checking out Bell Bank. You won't be disappointed.

I Love My Bank!

Posted by: |

I love, love, love, love, love Bell State Bank & Trust. There is no way I would ever bank anyplace else. Their service is superior. If I have a problem, I'm not stuck in call center hell. I recently had a huge problem with our car loan company losing our payment. I had paid through State Bank Bill pay. State Bank was SO HELPFUL in getting this resolved. They bent over backwards to help me get the problem straightened out. Lesson learned - I will never do business with another big bank again. Next loan will be with State Bank!

Personal Banking

Posted by: |

This is one of the best Banks I worked with. I got a sign on Bonus of $4o dollars just to open my account without a minimum Balance.I get free checkblanks for life every time I use my debitcard I get 10 cents to my account for a over $25 dollar purchase. Free Bill paying on line and many more I can save up to $365 a year. Plus once I had a overdraft problem they helped me and fixed it without charge. Also everytime you go there they have fresh baked cookies. Great Bank and great people.


Health Grade Components

FDIC Certificate #19581
Year Established1966
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD3.02%
Return on Equity - YTD31.24%
Annual Interest Income$319.1MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$9.73B$8.77B
LoansQ4 2021vs Q4 2020$8.40B$7.25B
DepositsQ4 2021vs Q4 2020$8.59B$7.64B
Equity CapitalQ4 2021vs Q4 2020$999.7MM$903.3MM
Loan Loss AllowanceQ4 2021vs Q4 2020$133.1MM$141.5MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$4.1MM$10.4MM
Real Estate OwnedQ4 2021vs Q4 2020$0$1.1MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bell Bank Savings Account Rates

0.10%$50-IRA Variable Rate Savings
0.05%$50$2.5kRegular Savings

Bell Bank Money Market Rates

0.40%*$500k*-Premier Money Market Savings
OTHER TIERS: 0.15% $5k - $100k | 0.20% $100k - $250k | 0.30% $250k - $500k
0.40%*$500k*-Premier Money Market Savings Plus
OTHER TIERS: 0.15% $5k - $100k | 0.20% $100k - $250k | 0.30% $250k - $500k
0.10%$500-Money Market Savings
0.10%$500-Money Market Savings Plus

Bell Bank Checking Account Rates

0.02%$500-America's Best Interest Checking
0.02%$5k-America's Best Premier Interest Checking

Bell Bank CD Rates

1.10%$500-5 Year CD w/ Checking
1.10%$500-Business 5 Year CD w/ Checking
1.00%$500-5 Year CD
1.00%$500-Business 5 Year CD
0.70%$500-3 Year CD w/ Checking
0.70%$500-Business 3 Year CD w/ Checking
0.60%$500-3 Year CD
0.60%$500-Business 3 Year CD
0.50%$500-2 Year CD w/ Checking
0.50%$500-Business 2 Year CD w/ Checking
0.45%$500-18 Month CD w/ Checking
0.45%$500-Business 18 Month CD w/ Checking
0.40%$500-2 Year CD
0.40%$500-1 Year CD w/ Checking
0.40%$2.5k-30 Month Flexible CD Special
0.40%$500-Business 1 Year CD w/ Checking
0.40%$500-Business 2 Year CD
0.40%$2.5k-Business 30 Month Flexible CD Special
0.35%$500-18 Month CD
0.35%$500-Business 18 Month CD
0.30%$500-1 Year CD
0.30%$500-3 Month CD w/ Checking
0.30%$500-6 Month CD w/ Checking
0.30%$5k-15 Month Flexible CD Special
0.30%$500-Business 3 Month CD w/ Checking
0.30%$500-Business 6 Month CD w/ Checking
0.30%$500-Business 1 Year CD
0.30%$5k-Business 15 Month Flexible CD Special
0.25%$5k-10 Month Flexible CD Special
0.25%$5k-Business 10 Month Flexible CD Special
0.20%$500-3 Month CD
0.20%$500-6 Month CD
0.20%$500-Business 3 Month CD
0.20%$500-Business 6 Month CD

Bell Bank IRA Rates

1.10%$500-5 Year IRA w/ Checking
1.00%$500-5 Year IRA
0.70%$500-3 Year IRA w/ Checking
0.60%$500-3 Year IRA
0.50%$500-2 Year IRA w/ Checking
0.45%$500-18 Month IRA w/ Checking
0.40%$500-2 Year IRA
0.40%$500-1 Year IRA w/ Checking
0.35%$500-18 Month IRA
0.30%$500-1 Year IRA
0.30%$500-3 Month IRA w/ Checking
0.30%$500-6 Month IRA w/ Checking
0.20%$500-3 Month IRA
0.20%$500-6 Month IRA


Phoenix Area

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