Bell Bank Business $500 Business Savings Bonus (34.8% Effective APY) - 2026 Review
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- Bonus tiers
- $500 for a $5,000+ deposit
- Keep at least $5,000 in the account every single day, never dipping below
- Enter promo code BAXBUS500 when you apply
- Availability: MN
- No stated lifetime limit
- Monthly fee: $0
- No early-closure rule listed
- Funding window: 30 days
- Maintenance/hold period: 90 days
- Total practical hold: ~105 days
Bonus Tiers & Effective APY
Overview
Bell Bank Business currently offers up to $500 through its business savings promotion. The headline tier requires $5,000 and keeps the funds committed for roughly 105 days. That is approximately 34.8% annualized before tax and opportunity-cost adjustments.
Pros
Cons
Notes
Fund the account inside the 30-day window, target the tier you can maintain comfortably, and keep the qualifying balance in place for the full 90-day maintenance period. Avoid moving the money until the reward posts.
How This Compares to Other Bonuses
Bell Bank Business's $500 headline payout is closest to Chase Business Checking's $500 offer. Compare the required capital, holding time, account fees, and base interest, not only the bonus.
Frequently Asked Questions
What is the current Bell Bank Business promotion?
Bell Bank Business currently offers up to $500. The headline requirement is $5,000 deposit held for about 95 days.
How much money is required for the Bell Bank Business bonus?
The highest advertised payout currently requires $5,000. Lower tiers may require less; review the tier table on this page.
How long is the money committed?
Plan on approximately 105 days including funding, maintenance, settlement, and a practical payout buffer.
Eligibility
Use promo code BAXBUS500. New, first-time Bell Bank business checking accounts opened between March 1, 2026 and September 30, 2026, and only for businesses in Crow Wing, Cass, Morrison or Aitkin County, Minnesota. $50 minimum deposit to open. The account has to be active for 90 days with 10 point of sale debit card transactions and a $5,000 minimum daily balance held across those 90 days. The $500 lands within 5 business days of qualifying. One bonus per business and per account, and it cannot be combined with any other offer.
Fees
Apply
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Sources (2)
We last checked this against the bank's page on September 8, 2026.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.