We believe the strongest relationships are built on honest, clear conversations. When you join the BELLA community, you become like family to us. We want to be present for you to quickly and effectively help with all of your banking needs. That’s conversational banking!

To help facilitate this conversational experience, we’ve designed a new interface, called Socratex. Socratex combines the highest efficiency of software with the empathy of people to deliver a fast, intuitive way to complete day-to-day banking transactions.

This along with a direct, fully-authenticated communication path to our team will give you all the support you need, 24 hours a day, 7 days a week.

Conversation is the foundation of relationships. Message us like you would your closest friend, and don’t be surprised if we do the same.

BELLA is a digital banking service built on Socratex, a brand new conversational technology. In addition to an intuitive design and user experience, BELLA offers customers:

– No monthly maintenance fees, no minimum balance requirements

– Unlimited savings accounts with a competitive interest rate^

– Conventional and Unconventional rules to help build savings

– Karma accounts and Surprise Cashback programs that put money back in the member community

– Live, US based customer service 24 hours a day, 7 days a week

– Security is our top priority, so all the data you provide is protected when collected, when forwarded to us, and while stored in our systems. We employ a wide range of tools like secure transmission protocols, intrusion prevention systems, strong encryption algorithms, and multi-factor authentication to safeguard your sensitive information.

^rates fluctuate based on FDIC regulations. Message the BELLA team for the current rate.

Yes! Up to $5 million dollars per member.

This is extremely unique as most banks are only able to offer $250,000 in FDIC insurance to each of their customers. BELLA accounts are provided by nbkc bank, member FDIC. Through relationships that we have established with nbkc bank and a network of other FDIC insured banks, we are able to offer each Bella member FDIC insurance up to $5 million dollars on their deposits.

Each BELLA member may open one Checking account, one Karma account, and unlimited Savings accounts.

We use your social security number to confirm your identity when you apply to open a BELLA account. We do not use it to check your credit report.

BELLA accounts are available to US citizens, US permanent residents, and non-immigrant or employment-based US Visa holders with a social security number. If you don’t have a social security number, you won’t be able to open a BELLA account.

Security is our top priority, so all the data (including SSN) you provide during the application process is protected when collected, when forwarded to us, and while stored in our systems. We employ a wide range of tools like secure transmission protocols, intrusion prevention systems, strong encryption algorithms, and multi-factor authentication, just to name a few, that safeguard your sensitive information.

BLINK is the term we use to describe our special programs that link Our Banking Services and Our Soul.

These programs include: Karma Accounts, Surprise Cashback, our Emergency Fund, and more. BLINK programs allow members to connect with each other and with BELLA.

No way! BELLA does not charge service fees for banking.

You can open a BELLA account with $0, there are no account minimums to keep the account open, no account maintenance fee for your accounts, and no overdraft fees.

Yes! You can open a BELLA account with $0, there are no account minimums to keep the account open, no account maintenance fee for your accounts, and no overdraft fees.

Not yet, at this time accounts are only available to US residents, US permanent residents, and non-immigrant or employment-based US Visa holders with a social security number and not subject to backup withholding.

BELLA will guide you through the application process using a conversational interface. To apply, you will need to provide the following information:

– First and Last Name

– Permanent Residential Address

– Mobile Phone Number

– Email

– Date of Birth (DOB)

– Social Security Number (SSN)

Occasionally, we may need more information and will request additional documentation to verify your identity, such as a government issued ID, which you can photograph and upload in the BELLA App. If you ever need assistance, send us a message in the App!

The BELLA Customer Experience team is available 24 hours a day, 7 days a week.

Open the BELLA App, and you can reach a team member anytime by typing “help,” “support,” “human,” and more to Socratex. If you don’t have a Bella account and need assistance, you can tap the “message” button during the application process or message us on the website at www.bellaloves.me.