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 149th largest bank in the nation. It was established in 1966 and as of June of 2022, it had grown to 1,861 employees at 28 locations. Bell Bank's money market rates are 5X the national average, and it boasts an A+ health rating.

Reviews (4)

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.

Bell Bank Discriminates Based On Tabloids

Posted by: |

On Tuesday, July 19th I went online to my Bell Bank account to pay a bill and to my surprise, didn’t have access . I called the bank's customer service and spoke with two people who couldn’t tell me why, I was finally transferred to a supervisor who told me my accounts were in a status three. I asked what that meant and he said the bank closed my accounts and he didn't know why but he would have someone call me back within the hour with the answer. About a half hour later a news article came out of the Forum, which is a local newspaper, and the article talked about investments my husband had made for his clients in medical marijuana which is legal in North Dakota. Several hours later, my husband found out from a friend working at Bell Bank that our accounts were closed due to the newspaper article saying he was invested in cannabis. There was never a phone call notification to us from Bell Bank, no validation done to see if what the Forum was saying was even true. And it wasn’t true. My husband's investors are in cannabis but he is not and me and our kids are not invested in cannabis. Upon seeing a tabloid, Bell Bank just made the decision to discriminate against us and locked our accounts so we couldn't access our money anymore based on hearsay. How is this legal for a bank to do to customers that didn’t break the law? Two days later, Bell Bank sent us a letter to say they had closed all our accounts and they took our monies including the money from our kid's accounts that they worked really hard for at their jobs and their dad is not even a signer on their accounts, and Bell Bank applied all their monies to a loan my husband had with them! How is that legal or right? After closing our accounts without notice, bell bank continued to accept auto payroll deposits into my daughter’s closed account and made it difficult for my daughter to get her money back. They also continued to send payments to creditors on my closed account so I was assessed fees and finance charges by the creditors. Bell Bank is a horrible. They consider themselves judge and executioner based on sensationalized dribble from non reputable news sources. Stay away from Bell Bank!


Health Grade Components

FDIC Certificate #19581
Year Established1966
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.36%
Return on Equity - YTD13.56%
Annual Interest Income$174.1MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$11.03B$10.21B
LoansQ2 2022vs Q2 2021$9.64B$7.83B
DepositsQ2 2022vs Q2 2021$9.45B$8.94B
Equity CapitalQ2 2022vs Q2 2021$1.06B$944.9MM
Loan Loss AllowanceQ2 2022vs Q2 2021$133.3MM$133.3MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$6.9MM$10.1MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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Always verify rates and promotions with the bank or credit union. We are not Bell Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bell Bank Savings Account Rates

2.07%$50-IRA Variable Rate Savings
0.30%$50$2.5kRegular Savings

Bell Bank Money Market Rates

2.27%*$1m*-Premier Money Market Savings
OTHER TIERS: 1.76% $5k - $100k | 2.02% $100k - $1m
2.27%*$1m*-Premier Money Market Savings Plus
OTHER TIERS: 1.76% $5k - $100k | 2.02% $100k - $1m
1.26%$500-Money Market Savings
1.26%$500-Money Market Savings Plus

Bell Bank Checking Account Rates

0.30%*$100k*-America's Best Premier Interest Checking
OTHER TIERS: 0.20% $5k - $50k | 0.25% $50k - $100k
0.20%$500-America's Best Interest Checking

Bell Bank CD Rates

4.03%$500-7 Month CD Special w/ Checking
4.03%$500-Business 7 Month CD Special w/ Checking
4.00%$500-14 Month CD Special w/ Checking
4.00%$500-21 Month CD Special w/ Checking
4.00%$500-Business 14 Month CD Special w/ Checking
4.00%$500-Business 21 Month CD Special w/ Checking
3.83%$500-Business 7 Month CD Special
3.83%$500-7 Month CD Special
3.80%$500-14 Month CD Special
3.80%$500-Business 14 Month CD Special
3.80%$500-21 Month CD Special
3.80%$500-Business 21 Month CD Special
3.45%$500-5 Year CD w/ Checking
3.45%$500-Business 5 Year CD w/ Checking
3.25%$500-5 Year CD
3.25%$500-Business 5 Year CD
3.20%$500-2 Year CD w/ Checking
3.20%$500-3 Year CD w/ Checking
3.20%$500-Business 3 Year CD w/ Checking
3.20%$500-Business 2 Year CD w/ Checking
3.00%$500-2 Year CD
3.00%$500-3 Year CD
3.00%$500-Business 2 Year CD
3.00%$500-Business 3 Year CD
2.77%$500-18 Month CD w/ Checking
2.77%$2.5k-30 Month Flexible CD Special
2.77%$500-Business 18 Month CD w/ Checking
2.77%$2.5k-Business 30 Month Flexible CD Special
2.57%$500-18 Month CD
2.57%$500-Business 18 Month CD
2.50%$500-1 Year CD w/ Checking
2.50%$5k-15 Month Flexible CD Special
2.50%$500-Business 1 Year CD w/ Checking
2.50%$5k-Business 15 Month Flexible CD Special
2.30%$500-1 Year CD
2.30%$500-Business 1 Year CD
2.26%$500-6 Month CD w/ Checking
2.26%$500-Business 6 Month CD w/ Checking
2.06%$500-6 Month CD
2.06%$500-Business 6 Month CD
2.02%$500-3 Month CD w/ Checking
2.02%$500-Business 3 Month CD w/ Checking
2.00%$5k-10 Month Flexible CD Special
2.00%$5k-Business 10 Month Flexible CD Special
1.81%$500-3 Month CD
1.81%$500-Business 3 Month CD

Bell Bank IRA Rates

3.83%$500-7 Month IRA Special
3.80%$500-14 Month IRA Special
3.80%$500-21 Month IRA Special
3.45%$500-5 Year IRA w/ Checking
3.25%$500-5 Year IRA
3.20%$500-2 Year IRA w/ Checking
3.20%$500-3 Year IRA w/ Checking
3.00%$500-2 Year IRA
3.00%$500-3 Year IRA
2.77%$500-18 Month IRA w/ Checking
2.57%$500-18 Month IRA
2.50%$500-1 Year IRA w/ Checking
2.30%$500-1 Year IRA
2.26%$500-6 Month IRA w/ Checking
2.06%$500-6 Month IRA
2.02%$500-3 Month IRA w/ Checking
1.81%$500-3 Month IRA


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