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 129th largest bank in the nation. It was established in 1966 and as of December of 2023, it had grown to 1,864 employees at 28 locations. Bell Bank's money market rates are 10X the national average, and it has 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 - YTD0.5%
Return on Equity - YTD5.41%
Annual Interest Income$626.3MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$14.01B$12.49B
LoansQ4 2023vs Q4 2022$12.29B$11.42B
DepositsQ4 2023vs Q4 2022$12.46B$11.1B
Equity CapitalQ4 2023vs Q4 2022$1.29B$1.21B
Loan Loss AllowanceQ4 2023vs Q4 2022$119.1MM$132.8MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$48.4MM$5.3MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
Report an Issue

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

4.07%$50-IRA Variable Rate Savings
0.50%$50$2.5kRegular Savings

Bell Bank Money Market Rates

4.33%$25k-Elite Money Market Savings
3.04%*$1m*-Premier Money Market Savings
OTHER TIERS: 2.27% $5k - $100k | 2.53% $100k - $250k | 2.78% $250k - $1m
2.02%$500-Money Market Savings

Bell Bank Checking Account Rates

0.30%$500-America's Best Interest Checking
0.30%$5k-America's Best Premier Interest Checking

Bell Bank CD Rates

5.36%*$100k*-7 Month CD Special
OTHER TIERS: 5.31% $500 - $100k
5.05%*$100k*-14 Month CD Special
OTHER TIERS: 5.00% $500 - $100k
4.52%$2.5k-10 Month Flexible CD
4.25%$2.5k-15 Month Flexible CD
4.11%*$100k*-3 Month CD
OTHER TIERS: 4.06% $500 - $100k
4.09%*$100k*-6 Month CD
OTHER TIERS: 4.04% $500 - $100k
4.05%*$100k*-1 Year CD
OTHER TIERS: 4.00% $500 - $100k
3.58%*$100k*-18 Month CD
OTHER TIERS: 3.53% $500 - $100k
3.55%*$100k*-2 Year CD
OTHER TIERS: 3.50% $500 - $100k
3.05%*$100k*-3 Year CD
OTHER TIERS: 3.00% $500 - $100k
3.05%*$100k*-5 Year CD
OTHER TIERS: 3.00% $500 - $100k
3.02%$2.5k-30 Month Flexible CD

Bell Bank IRA Rates

5.36%*$100k*-7 Month IRA Special
OTHER TIERS: 5.31% $500 - $100k
5.05%*$100k*-14 Month IRA Special
OTHER TIERS: 5.00% $500 - $100k
4.11%*$100k*-3 Month IRA
OTHER TIERS: 4.06% $500 - $100k
4.09%*$100k*-6 Month IRA
OTHER TIERS: 4.04% $500 - $100k
4.05%*$100k*-1 Year IRA
OTHER TIERS: 4.00% $500 - $100k
3.58%*$100k*-18 Month IRA
OTHER TIERS: 3.53% $500 - $100k
3.55%*$100k*-2 Year IRA
OTHER TIERS: 3.50% $500 - $100k
3.05%*$100k*-3 Year IRA
OTHER TIERS: 3.00% $500 - $100k
3.05%*$100k*-5 Year IRA
OTHER TIERS: 3.00% $500 - $100k


The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.