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Bell Bank Review

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Bell Bank Savings
0.05% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Bell Bank started in 1966 with its headquarters in Fargo, North Dakota. It has assets of $5 billion and $4 billion in deposits, ranking it as a large bank. Bell Bank lacks premium access to support representatives, with no live chat or all-day service options available. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. Coming in at a commendable 4.4 out of 5 stars, Bell Bank proves it is a great bank that you should seriously consider. Bell Bank offers a full selection of product offerings, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate; other popular banks have higher rates. If you're interested in stress-free personal checking, Bell Bank offers an option without a maintenance or monthly fee. Obtaining a checking account with no monthly fee, in addition to a savings account with a high APY at the same bank is the best option for returning the most income from your deposits while having convenient access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.05%, Bell Bank ranks poorly compared to the national average. Bell Bank's one-year CD earns at a rate of 1.50% and the five-year CD earns at a rate of 2.25%, while its highest-yielding money market account earns at a rate of 0.20%. Given its noncompetitive savings rate, you should consider choosing another bank to earn more on your deposits.

How Bell Bank's Savings Rates Compare

Bell Bank Savings 0.05 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

On average, Bell Bank charges its customers extremely low fees as compared against the national average. With no monthly fee, Bell Bank's checking account is perfect for those who need an easy banking experience. Bell Bank doesn't refund out-of-network ATM charges, which means you'll need to search for a Bell Bank ATM or pay the fee.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Bell Bank is a brick-and-mortar bank, with 20 total bank locations in Idaho, Minnesota and North Dakota. It also offers access to mobile and web apps for easy access and banking on the go. It does not offer all-day customer service with actual service representatives. You can get help during its hours, which are Monday through Friday, 7:00 a.m. to 10:00 p.m. PT; Saturday and Sunday, and 7:00 a.m. to 6:00 p.m. PT. Bell Bank gets fair marks from customers for its mobile app. Out of 410 ratings across Apple and Android platforms, the Bell Bank mobile app rates a 3.8 out of 5 (compared to the national average of 3.8). You can access Bell Bank's app to control your accounts by reviewing account balances, transferring funds and reaching customer service. Bell Bank receives a superb consumer satisfaction score based on relatively few complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating 3.8/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Bell Bank is currently a large bank and handles assets totaling $5 billion as well as $4 billion in deposits. Bell Bank's Texas Ratio is 0.98%, suggesting that the bank is in terrific financial condition and unlikely to fail. Additionally, Bell Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Bell Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.05% APY $50
Checking Account 0.1% APY $500
Certificates of Deposit
  • 12 Month: 1.50% APY
  • 24 Month: 1.70% APY
  • 36 Month: 2.00% APY
  • 60 Month: 2.25% APY
$500 for all terms
Money Market Account 0.2% APY $500

Bell Bank offers several deposit products including savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. Bell Bank does not have the best savings rate, which means you should think about taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Bell Bank's CD rates are fair compared to other U.S. banks.

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Find a Bell Bank Near Me

Bell Bank has 20 locations in the U.S.

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