Bell Bank Routing Number (ABA): 091310521

Bell Bank at a glance

Its CET1 capital ratio was 11.01% at Q3 2026, above regulatory requirements.

Total assets, Q3 2026

$15.28B

CET1 ratio, Q3 2026

11.01%

Deposit insurance

FDIC

Regulator

FDIC

Domestic offices

33 branches

Latest call report

Q3 2026, FFIEC 041

Established

1966

Full financial profile · Is Bell Bank safe? · Bell Bank call report · Branch locations

What the digits mean

The first two digits, 09, place this number in the Federal Reserve Bank of Minneapolis's district (District 9). Digits five through eight, 1052, identify the institution within that district. The last digit, 1, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.

Before you send money to Bell Bank

A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.

Match this number against the one on your Bell Bank checks or in its online banking. Ask the bank for wire instructions (www.bell.bank). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.

About Bell Bank

Bell Bank is headquartered in Fargo, North Dakota and was established in 1966. It is in the FARGO, ND-MN metro area. It reported $15.28B in total assets and $12.91B in deposits for Q3 2026, the 1st largest of the 60 banks headquartered in North Dakota. It reports 33 domestic offices. Its deposits have been FDIC insured since 1966. Its primary federal regulator is the FDIC. 13 other banks and credit unions headquartered in Fargo have a routing number listed here.

What the digits in 091310521 mean

The first four digits, 0913, are the Federal Reserve routing symbol. The prefix 09 places the number in the 9th Federal Reserve District (Minneapolis). That is also the district where the bank is headquartered. Digits five through eight, 1052, identify the institution within its Federal Reserve district. The last digit, 1, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 8 + 7 x 12 + 2 = 110, a multiple of 10, so 091310521 is a well-formed routing number. A mistyped digit almost always breaks that sum.

What is the Bell Bank routing number?

The Bell Bank routing number is 091310521. It is the primary ABA routing transit number registered to Bell Bank, headquartered in Fargo, ND. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 28, 2026.

What is the Bell Bank wire routing number?

This page lists the primary routing number registered to Bell Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Bell Bank before sending a wire.

Is ABA number 091310521 the routing number for Bell Bank?

Yes. It is the primary routing number registered to Bell Bank.

Which bank uses routing number 091310521?

It belongs to Bell Bank, headquartered in Fargo, ND. It is the bank's primary ABA routing number (FDIC certificate 19581).

Routing numbers in Fargo, ND

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Bank Forward: 091310864

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Border Bank: 091216133

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American Federal Bank: 291271004

Credit union

United Savings Credit Union: 291378486

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Aspire Bank: 091301585

All routing numbers in North Dakota