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Bell Bank is a full-service bank offering checking, savings, loans, investment services, and insurance products to personal and business customers.
Data compiled from public sources
Bell Bank is a regional bank that operates as a comprehensive financial services provider serving both personal and business customers. The bank has positioned itself as a strong financial institution, with leadership noting they are ranked among the strongest banks in the country according to BauerFinancial rankings. The company maintains an active digital presence and appears to serve customers across multiple states with both physical locations and digital banking capabilities.
Bell Bank offers a broad suite of financial products including personal banking (checking accounts with competitive features marketed as "America's Best Checking," savings accounts, CDs, and IRAs), personal loans (auto, boat, motorcycle, personal loans), mortgage services (home purchase and home equity products), credit cards (including a Zero+ card with introductory rates), and wealth management services (financial planning, trusts, estates, retirement plans). They have also established Bell Insurance as a wholly-owned subsidiary offering auto, homeowners, life, health, and Medicare insurance products. 01% APY), and an integrated insurance subsidiary.
They emphasize convenience through online account opening, mobile banking apps for iOS and Android, and a network of physical locations. The company also highlights educational resources through their Youth Education Hub and various financial calculators. As a traditional full-service bank, Bell Bank serves customers seeking comprehensive financial services under one roof.
However, as with all banks, customers should be aware of account maintenance fees (such as the $10 fee if minimum balance is not maintained on certain accounts), withdrawal limits on savings products, and that rates are variable and subject to change. The bank's strength lies in serving customers who value convenience, rate claims to verify, and integrated financial services rather than those seeking listed solutions.
This is state-level context for Banks consumers in Fargo, ND. It does not confirm that Bell Bank or this specific location is licensed.
State regulator
North Dakota Department of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Bell Bank processed 10,638 mortgage applications in 2023, with 93.5% recorded as approved across 35 states.
10,638
Applications
93.5%
Approval Rate
$319K
Avg Loan
35
States Served
Based on 10,638 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Bell Bank offers 12 services including Checking accounts (America's Best Checking with competitive features), Savings accounts and Elite Money Market Savings, CDs and IRAs with multiple term options, Personal credit cards including Zero+ card, Mortgage loans and home equity loans, and 7 more.
Bell Bank has profile signals associated with Customers seeking integrated banking, lending, investment, and insurance services from a single provider, Digital-savvy users who prefer mobile and online banking with minimal branch visits, Homebuyers and refinancing customers needing mortgage products with dedicated loan officers, High-balance savers with $25,000+ seeking competitive yields on money market and CD products.
Key strengths: Offers competitive savings rates including Elite Money Market Savings at 3.01% APY with $25,000 minimum balance; Comprehensive product suite including banking, lending, investments, and insurance all under one roof; Digital banking capabilities with mobile apps for iOS and Android plus online banking platform. Areas to consider: Elite Money Market Savings account charges $10 monthly fee if minimum $25,000 balance falls below threshold; Savings accounts limited to 6 withdrawals per month before $5 fees apply per withdrawal.
In the Banks category, comparable providers include Alerus Financial, National Association, American Federal Bank, American State Bank & Trust Company of Williston. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Bell Bank is profile signals for customers who want a traditional full-service bank with strong digital capabilities, rate claims to verify, and integrated insurance services. The main caveat is that customers must maintain minimum balances to avoid fees on premium savings accounts, and savings products are subject to withdrawal limits and variable rate structures.
Alerus Financial is a community-focused, employee-owned national bank offering personal and business banking, wealth management, and retirement services across the upper Midwest and nationwide.
Profile signals: Upper Midwest residents seeking comprehensive banking relationships with local branch access and personal service, Small business owners and professionals needing integrated banking, wealth management, and retirement plan services
FDIC-insured bank serving the Fargo-Moorhead and Red River Valley region with checking, savings, mortgages, and business banking solutions.
Profile signals: Residents of Fargo, Moorhead, Red River Valley, and Minnesota seeking local banking relationship, Small business and agricultural operators needing community bank support
FDIC-insured community bank in Williston, ND offering personal checking/savings, business loans, personal loans, and trust services with local decision-making.
Profile signals: Small to mid-sized businesses in Williston area needing personalized lending and cash management, Williston residents seeking traditional banking with local relationship management
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