Bell Bank $100 Checking Account Bonus (2026) - Review & Requirements
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- Direct deposit: $1,500 in qualifying direct deposits
- Deposit window: 60 days
- Enter the offer's promo code when you apply
- Make 10 debit card transactions
- Availability: MN, ND, AZ
- Lifetime limit: one bonus per customer
- ChexSystems sensitivity: Unknown
- No early-closure rule listed
- Bonus posts: ~5 days
- Account hold: Must keep open 60 days
What Counts as Direct Deposit
Employer payroll is always the safest method. "Maybe" means some people report it working and it is not guaranteed. Open a row to see the individual reports.
In that time you need two or more recurring direct deposits totaling at least $1,500, not counting transfers from another bank, plus either 10 debit card transactions or one recurring automatic payment. Source
The reports come from Doctor of Credit comment threads, public Reddit posts, and members who told us what happened to their own deposit. Each one is dated where the person gave a date. Read how we check offers.
Reports are attached to the offer, never to your name. Members can log one from their account instead.
Overview
Bell Bank is currently offering a $100 checking bonus. The core requirement is $1,500 in qualifying direct deposits. The eligible account has no monthly maintenance fee documented in the catalog.
Pros
Cons
Notes
Receive $1,500+ in direct deposits. Allow approximately 5 days for the bonus to post after qualification. Keep the account open for at least 60 days.
How This Compares to Other Bonuses
Bell Bank's $100 offer is closest in headline value to Current's $100 checking bonus. Compare the direct-deposit requirement, geographic eligibility, fees, approval sensitivity, and payout timing, not only the advertised amount.
Frequently Asked Questions
What is the current Bell Bank checking bonus?
Bell Bank currently advertises $100. The principal requirement is $1,500 in qualifying direct deposits.
Does the Bell Bank bonus require direct deposit?
Yes. The catalog currently records $1,500 in qualifying direct deposits. Confirm the bank's exact definition before applying.
When should the Bell Bank bonus post?
The tracked estimate is about 5 days after you satisfy the requirements.
Full Requirements
Open your first ever personal checking account at Bell Bank, using a current promo code, and keep it open 60 days. In that time you need two or more recurring direct deposits totaling at least $1,500, not counting transfers from another bank, plus either 10 debit card transactions or one recurring automatic payment. Without a promo code entered at opening you do not qualify. Apply online.
Fees
Not stated.
ChexSystems & Credit Pull
ChexSystems / credit-pull policy not officially stated.
Eligibility
Bell Bank operates in Minnesota, North Dakota and Arizona, and the account is its America's Best Checking. The bonus is only available to customers who open with a current promo code, which Bell distributes through partnerships rather than publishing on its main checking page. One live example is code SUNSFAN100 on Bell's Phoenix Suns and Phoenix Mercury partner pages. Limit one bonus per household and per account, it cannot be combined with any other offer, and Bell employees are excluded. The money lands within 5 business days after you qualify. Expires December 31, 2026.
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Sources (2)
We last checked this against the bank's page on September 4, 2026.
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What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
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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.