Bell Bank, headquartered in Fargo, North Dakota, is a privately-owned bank with $14 billion in assets, founded in 1966 as State Bank of Fargo. It operates 27+ branches across North Dakota, Minnesota, and Arizona, plus mortgage offices nationwide, offering personal banking, wealth management, and insurance services.

Use Fluz to maximize rewards on your Bell Bank payments. Instead of paying your loan, credit card, or mortgage bill directly, buy a Fluz gift card for the amount due and use it toward your payment, earning cashback on money you already owe. Fluz stacks with other rewards programs, so you can layer this cashback on top of any other perks you're using. It's a simple way to turn a routine Bell Bank payment into extra savings, with cashback credited straight to your Fluz wallet.