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our soul

The Karma Account is BELLA’s vision of putting the “Pay It Forward” mentality into action. It’s a personal fund (up to $20) used to surprise other BELLA members with gifts—that is, to cover costs* of things like a cup of coffee or a tank of gas, and completely out of the blue.

Example scenario: A BELLA member pays for a latte with their BELLA debit card, and gets a notification that their beverage has been paid for by the generosity of another BELLA member. This mysterious benefactor could be you, or anyone else who has set aside Karma Account funds.

Create your Karma account with the tap-to-type box in the BELLA app. There is no fee to open a Karma account.

*Karma Account transactions only work for full purchases—i.e. the complete cost of one item, up to the $20 cap.

You can fund your Karma Account by moving money from your checking account. Tap to type Karma, then tap Fund at the bottom of the page.

You may allocate as much as $20, which will then be used to randomly help pay for other BELLA members’ debit purchases.

No. There is no balance minimum required to maintain the account, and you may transfer funds from your checking account to your Karma account—up to $20—as often as you’d like.

Yes. Once your Karma funds have been debited from your account, you will receive a notification indicating the recipient, and how much they received.

Any funds already debited from your Karma account cannot be reclaimed, but any funds not already debited may be transferred from your Karma account as needed.

You can close your Karma account by reaching out to our Member Experience team, however, you can also keep it open with a $0 in case you change your mind. If you decide to close your Karma account, your remaining Karma account balance will automatically transfer to your checking account upon closing.

Yes, and there are no closing fees.

Yes. Your remaining Karma account balance will automatically go to your checking account upon closing.

The Pay It Forward principle is the core tenet of the Karma Account, where your funds’ sole purpose is to make someone else’s day. It feels great to give, but it also feels great to be the recipient of someone else’s giving—something that’s possible for each and every BELLA member, regardless of whether they have their own Karma Account. In short, you don’t have to give to receive, but the more Karma funds there are, the greater chance there is that your day could be lifted by a random act of generosity.

“Pay It Forward” refers to a mentality—giving to others while expecting nothing in return—and the Karma Account is BELLA’s tool for making the mentality a reality. You set aside money in your account, and this money helps others. As a BELLA member, you’re always a potential recipient of someone paying it forward using the Karma Account, even if you haven’t set up your own yet.

Pay It Forward occurrences are randomized and anonymous. So while you can’t choose the recipient of your generosity, you can rest assured your funds are contributing to a collective goal of making the world a kinder, more giving place.

Yes. All BELLA members may receive Karma funds from other members, regardless of whether they’ve set up a personal Karma account.

BELLA Surprise is when we reward you cashback bonuses on normal purchases—out of the blue, and completely at random. BELLA members use their BELLA debit cards as per normal—everything from a small purchase like a cup of coffee to larger purchases like plane tickets—but on occasion will see they’ve received bonus cashback.

A BELLA Surprise is anywhere between 5% and 200% back* on any random purchase made using the BELLA debit card. The size of the purchase does not influence how high of a percentage of cashback you will receive—it’s completely randomized, and that’s part of the fun!

 

*Up to $2,000

Most, but not all. A small number of merchant categories—those associated with “vice” purchases and money transfers—will not be subject to surprise cashback.
For a detailed rundown of what qualifies for BELLA Surprise, please visit BELLA Surprise Terms at https://www.BELLAloves.me/legal-area/?f=privacy

Yes. You will receive a notification in the BELLA app.

Yes.

No, but we’re exploring adding this option in the future.

BELLA Community Initiatives is a program that selects Initiatives that seek to bring joy, inclusivity and beauty (we call these “Themes”) into our world through social impact. We call the organizers of these Initiatives “Changemakers.” The BELLA Community Initiatives program enables you to make manual donations directly toward a cause that interests you the most from a carefully curated list, or to make automatic donations to whatever Initiative is currently active under a Theme that you choose.

You can choose to make one-time donations using funds directly from your checking account by navigating to the BELLA Surprises section of the mobile app, selecting “Donate” at the bottom of the screen then selecting the theme of your choice and reviewing each Initiative within that theme. You will find a “One-time” contribution button towards the bottom of the Initiative page.

To set up an automatic donation under a Theme of your choice, navigate to the BELLA Surprises page within the BELLA mobile app, click on “BELLA Surprise Settings” at the bottom of the screen, and select either “Manage Surprises from BELLA” or “Manage Surprises from other Members.” Select the toggle to the right of “Community Initiatives” and you will be asked to choose a theme to start contributing to (Joy, Inclusivity and Beauty). Select one of the three themes and confirm your automatic donation by clicking on the button at the bottom of the page (i.e. Spread Joy).

 

When you set up automatic donations, 100% of the money you receive from BELLA Surprises or BELLA members (Karma account gifts) will be donated to the Changemaker to support their Initiative instead of remaining in your BELLA Checking Account. You can choose to have your Surprise Cashback (surprises from BELLA) or Karma account gifts (surprises from other members) automatically donated, or both!

You can change your selected Theme at any time by navigating to the BELLA Surprises section of the app and clicking on “Donate” at the bottom of the screen. From here you will be able to click on each theme (Joy, Inclusivity, Beauty) to learn more about the current Initiative and adjust your contribution (set up to be a recurring donation or a one-time donation) at the bottom of the page.

Yes, you can turn off automation donations at any time directly in the BELLA app by clicking on “BELLA Surprise Settings” at the bottom of the BELLA Surprises page, and select “Manage Surprises from BELLA” or “Manage Surprises from other Members.” Use the appropriate toggle to manage where the Surprises you receive from BELLA or another Member will go (Checking Account, Karma Account or Community Initiatives). When you select Checking Account or Karma Account, this will disable automatic donations.

Yes! While you can only have one Theme at a time set up for automation donations, you can make as many one-time donations toward other Initiatives as you’d like! To make a one-time donation towards an initiative, navigate to your BELLA Surprises page in the BELLA mobile app and click on “Donate” at the bottom of the screen. From here you will be able to click on a theme (Joy, Inclusivity, Beauty) to learn more about the current Initiative and contribute a one-time donation at the bottom of the page.

Our goal is to feature an Initiative until its funding goal has been met, but we may change the Initiative before that happens to give other worthy Changemakers a chance to participate. If we do close an Initiative before its funding goal is met, all funds collected for the Initiative up until that point will be disbursed to the Changemaker for that Initiative.

Yes! 100% of your donation will go directly to the Changemaker supporting the Initiative of your choice. BELLA does not take any sort of fee or payment from your donation.

BELLA carefully assesses each Changemaker via a process designed to ensure that they are actively working to advance joy, inclusivity and beauty in the world through their programs and activities.

You can find out more information about the current Initiatives that BELLA selected by navigating to the BELLA Surprises page in the BELLA mobile app. You will see three different themes: Spread Joy, Support Inclusivity and Create Beauty. Initiatives are aligned with a theme, and within each theme you will be able to read more about each Initiative currently selected by BELLA.

Any interested individuals or organization can apply to become a Changemaker and be featured in the BELLA Community Initiatives program by emailing community.initiatives@bellaloves.me.

You must consult with your own tax advisor to determine if your donation is tax deductible or not. When we list an Initiative, we will report the Changemaker’s self-reported tax-exempt status and we will endeavor to provide a record of the donation to you that is consistent with IRS guidelines.

For one time donations of $250 and greater to a Changemaker, qualifying BELLA Members will receive a notification email that a Tax Receipt is available within the BELLA mobile app once the donation has been disbursed to the Changemaker (ordinarily the end of the calendar month of your donation). To locate a donation receipt from the BELLA mobile app, navigate to your Checking page and click on “Account Details” at the bottom of the page. From here, you will see “Account Statements” at the bottom of the screen. Select the month and year for the statement in which you would like to view. You can also review all of your historical contributions from the Checking page in the mobile app. Statements and Documents

LoveData is our secure BELLA system that maintains BELLA member details. LoveData is any BELLA information related to knowing our members as we know our family and friends – examples include pronouns, nicknames, and Karma participation.

The Karma Score is not a credit risk score, instead this is a BELLA score that showcases an individual’s contributions to the greater community and the world. Karma Scores are calculated using LoveData, taking into account everything from Karma Account usage, tapbacks (thank you notes to other members), charitable giving, and more. The BellaLovesMe100 Index shows the BELLA community’s actions, the Karma Score showcases your impact on the world!

BELLA is working to establish programs to benefit the BELLA community and world at large with messages of beauty, love, and tenderness at their cores.

digital banking

To create a BELLA account, you must provide your social security number, email address, and your residential address. You will also be required to e-sign an agreement with our partner nbkc.

Yes. BELLA takes security very seriously and has made protecting your personal financial information our top priority.

-Apple Devices: Open the App Store and search for “BELLA,” and, once you find us, select “Get,” then “Install” to download the app to your device.

 

-Android Devices: Open Google Play and search for “BELLA,” find us, then select “Install” to download the app to your device.

Yes. The BELLA app can be downloaded for free.

Please note that standard SMS text messaging and web browser application fees from your mobile phone provider may still apply. Please contact your mobile service provider for details.

BELLA users may access and manage their checking and savings accounts, transfer funds between accounts both in and outside the BELLA system, keep track of current transactions, review account history, and submit customer service requests via secure messaging, all in one place.

We do not offer a Joint Checking account.

We do not offer a Children’s account at this time.

We do not offer a Business Account at this time.

You can change your address in the “Me” section of the BELLA app. You will be prompted to submit documentation that verifies your new address. This may take a couple days to update in your account. If you need assistance, feel free to message the BELLA Squad in the BELLA app.

No, you cannot change your email address. If you lose access to your email, contact the Member Experience team via the app.

You may change your phone number in the “Me” section of the BELLA app. Once you’ve entered your new mobile number, BELLA will send a confirmation code to your new number. You will need to enter the code in the app to save the change. If you need assistance, message the BELLA Squad in the BELLA app.

You can change your name in the “Me” section of the BELLA app. You will need to submit documentation that verifies your new name. This may take a couple days to update in your account. If you need help, message the BELLA Squad in the BELLA app.

You may change your phone number in the “Me” section of the BELLA app. Once you’ve entered your new mobile number, BELLA will send a confirmation code to your new number. You will need to enter the code in the app to save the change. If you need assistance, message the BELLA Squad in the BELLA app.

When activating your new debit card in the BELLA app, you will be asked to type a 4-digit PIN number to use with your debit card.

You can change your PIN within the BELLA app.

To demonstrate security is BELLA’s top priority, we employ multiple standard security measures and strive to adapt to the demands of an ever-changing banking service landscape. Traditional password protection software is available on the app, as is biometric security—fingerprint or face recognition, depending on your device’s capabilities and your preferences. Beyond all this, BELLA guarantees personal identity information is only shared with our trusted partners—e.g. nbkc Bank—and only in circumstances necessary for you to legally make banking transactions through our service.

There are many scenarios that could potentially trigger your red flag radar. If ever in doubt, contact a member of the BELLA Squad immediately for advice. Short of that, keep in mind the following:

-If anyone contacts you saying they have a warrant for your arrest, and that you owe some kind of “fine,” this person is likely trying to scam you. If there is indeed a warrant for your arrest, you will not get a call ahead of time—the police will simply show up and confront you (which they can do, because they have a warrant).

-If anyone calls to inform you you’re at risk of a security breach, but that they need full access to your computer, this is likely a scam. Do not, under any circumstance, provide passwords, PINs, or verification codes of any kind, to sources with which you’re unfamiliar.

-If you receive an email from a source claiming connection to any of your external accounts, or even to your BELLA account, and prompts you to click on a link regarding a “security” issue, do not click said link—someone might be trying to get you to open a virus that would allow them access to your account.

-If you’re contacted from someone claiming to have sent you money, and that they’d like you to purchase gift cards for them using the sent funds, be aware that this is 100% a scam. This scenario might seem uncommon, but it’s not—and, unfortunately, it’s hard to report this kind of activity as a scam. General rule of thumb: Don’t believe someone when they’ve claimed to have sent you money, especially if you’re unfamiliar with the source, and even more so if there’s a contingency involving you making purchases with the sent funds.

When you sign up for a BELLA account, you provide BELLA with a contact email, which you can always use to get in touch with the BELLA Squad while you track down or replace your mobile device.

You may also use a tablet that supports IOS or Android to access your account.

BELLA is currently developing its website, which should be accessible via common web browsers, and available to users on computer desktops.

If you believe your identity has been stolen or compromised, you can contact major credit-reporting agencies about blacklisting/freezing your own social security number. If this is what you decide to do, you will be contacted about any future activity on your credit report—this ensures you’re verifying whether activities related to your credit are your doing and not a potentially harmful external party.

If you plan to take out a credit application, you will need to unfreeze your account. You can reapply the freeze once your application is processed, or if you decide to terminate your application.

BELLA will primarily contact you through our app, however, there may be instances where we need to contact you by email or text message. All official BELLA emails will come from an address ending in @bellaloves.me. Additionally, our partners at VISA may need to call you directly to verify transactions if they detect fraudulent activity. If you are ever unsure about an interaction, please contact our Customer Experience team.

Contact a member of the BELLA Squad via the app or the contact email you provided to unlock your account.

Contact a member BELLA Squad via the app, or using the contact email you provided when you opened your BELLA account.

You’re welcome to close any of your accounts at any time. Please see below for details on how to close each type of account:

CHECKING: ​To close your checking account, send a message to the BELLA Squad in the BELLA app, and someone will assist you.

SAVINGS (Goal Savings and Interest-Bearing Savings): ​Type “close” in the tap-to-type box in the BELLA app, and follow the instructions to automatically close your accounts. Any remaining funds in your savings accounts will automatically be transferred to your checking account.

KARMA:​ You may close your Karma account on your accounts page, or simply type “close” in our tap-to-type box on the BELLA app, and follow the instructions to close your account.

You will not be able to close your account until your funds are withdrawn.

No. Closing your account is a permanent action. If you decide to reopen an account with BELLA, you’ll have to reapply.

Yes. BELLA may close your account(s) if you breach terms, conditions, or policies, or if we suspect you of fraud or financial crime.

Yes. BELLA will send you an email in the event we have decided to close your account.

Any money you have left in your savings account upon closure will be automatically transferred to your checking account.

No. Your debit card is yours to keep.

In the unfortunate event you pass away, a family member or attorney may contact us. BELLA will gather necessary information from the caller, forward it to the Bank of Record, and someone from the bank of record will verify the identity of the person who has called on your behalf. Once proper verifications have occurred, the person calling on your behalf and the bank of record will work to disperse your funds appropriately (whether to beneficiaries or other appropriate parties).

Yes. A family member, friend, partner, or attorney should notify your banks in the event of your passing. Once BELLA receives notification of your passing, we will forward all information necessary to making sure your funds are transferred properly (to beneficiaries or other appropriate recipients) to the Bank of Record.

Yes. Contact a member of the BELLA Squad to set a beneficiary for your account, and they will make sure your banking system record is updated accordingly. You cannot set up a beneficiary in the app.

BELLA will not give your beneficiary direct access. Information kept with your Bank of/on Record will be used to properly verify your beneficiary’s identity and send funds to them accordingly.

Sure. Where your beneficiary resides does not matter—the same procedures apply for acquiring funds from your account.

If you do not recognize a checking or savings account transaction, please contact the BELLA Squad immediately, and they will be able to temporarily freeze your card.

PIN-based transactions require you to enter your PIN (Personal Identification Number) into the merchant keypad at the point of sale. Signature transactions require you to sign your name at the point of sale to process the transaction.

BELLA has to wait for the merchant to submit a transaction before it can appear on your account summary as a withdrawal. This can take between 1 and 3 days after your purchase, but you may see the transaction as pending authorization for 3-5 business days.

It’s important you track your account balance, pending card transactions, and scheduled bill payments to ensure you have adequate funds in your account to cover pending charges.

When you use your debit card to make a purchase, the merchant with whom you’re conducting the transaction will request an approval—this is known as an authorization. An authorization confirms that your account is open and active, and has enough funds available to cover the purchase amount at the time of the request.

Some merchants may send an authorization request for a nominal amount, such as $1, or an estimate of the actual purchase amount. The authorization hold amount reduces your available balance and will remain on the account up to 3-5 business days after your debit card is used.

When the final authorization is presented to BELLA, the actual purchase amount is deducted from your account.

A transaction is pending when the merchant has sent an authorization request to BELLA. Once the request has been resolved, the final transaction amount can be posted, and the transaction is no longer considered pending.

Generally, final transaction amounts will post within 3-5 business days of making a purchase.

If you see an error on your pending transaction, wait for the final authorization to post. If the final authorization amount is incorrect, first contact the merchant directly. If you are not able to resolve the issue with the merchant, contact the BELLA Squad in the BELLA App.

If BELLA is required to pull funds from an outside account, those funds will be available 48 hours after receipt of said funds is confirmed. Funds from an incoming ACH/deposit made by an outside financial institution are made available immediately upon receipt.

You may view all past transactions in the “Transaction History” section of the BELLA App. You may also download monthly statements from the “Me” section of the BELLA App.

The daily limit for a mobile check deposit is $1,500. The monthly limit is $25,000. There is no limit to the number of check deposits you can make.

Account Balance refers to the total funds in your account, including funds that may be removed once pending transactions are finalized. Available Balance refers to the amount of funds remaining in your account after your pending transactions are finalized.

You may spend up to $3,000 per day using your debit card.

Yes. Inbound and outbound ACH transfers up to $3,000 may be conducted between BELLA members. There are no hold times on inbound transfers.

When you sign up for an account, a dual-interface Visa Debit Card will be sent to your permanent residential address. This can be used to make purchases where Visa is accepted, and covers in-person, online and over-the-phone transactions. Your card may also be used to withdraw cash, and make other transactions at any ATM that accepts Visa.

A debit card is a payment method linked to your checking account. When you pay with your debit card, the funds are “debited” from your checking account. This account debit might occur very quickly, or take a number of days.

Debit cards do not permit spending more than the amount of funds you have in your checking account. If you attempt to make a payment greater than the amount you have in your account, it will not go through.

Debit cards do not impact your credit score. All BELLA checking account holders will automatically be mailed a debit card upon opening an account.

Dual-interface cards are debit cards that support contactless payment ​and contact payments. BELLA’s debit card has an EMV chip, a traditional magnetic strip for swiping, and tap-to-pay functionality. The EMV chip provides enhanced card security, reducing risk of fraud.

(EMV stands for Europay, Mastercard and Visa. This is a global standard for cards equipped with computer chips and the technology used to authenticate chip-card transactions.)

After your application is approved, please allow 7-10 business days for your card to arrive. Your debit card will be mailed to the residential address on your account—PO boxes may not be used. If you do not receive your card within 10 business days, please contact our BELLA Squad through the BELLA App.

To activate your card, scan the QR code included in the package in which your card arrived, and then follow the prompts. You may also log into your BELLA App, type “activate” in the search feature to view instructions.

If your card is not functioning properly or is damaged, contact the BELLA Squad by typing “help” in the BELLA App, and someone will assist you in ordering a replacement card.

Freezing a debit card means placing a temporary hold on the card so that no new transactions can process. When you freeze your card, you eliminate the risk of someone else using it to make purchases, and you ensure no charges are processed until you unfreeze your card. You may freeze/unfreeze your card in the BELLA App.

Blocking a debit card means placing a lock on your card by reporting it lost or stolen. If you block your card, it cannot be reactivated, and you will need to order a new debit card*. You can do this by contacting the BELLA Squad.

 

*Fees may apply. Contact the BELLA Squad for more information.

Type “unfreeze” into the BELLA App, and follow the resulting instructions to unfreeze your debit card.

When activating your new debit card in the BELLA App, you will be asked to type a personalized four-digit PIN number.

For security purposes, we recommend not using sequenced numbers, four of the same number, the last four digits of your social security number, or birth dates.

You can make both one-time and recurring payments using your debit card. Contact your service provider/merchant to set this up.

You may contact your service provider/merchant directly to schedule, cancel, or change a one-time or recurring payment.

Yes, you may use your debit card for online purchases.

Absolutely! If a merchant or ATM has not yet adopted chip technology, your transaction will be processed using the magnetic stripe.

No. Whether you use your PIN or are required to sign your name, you will be charged the same.

Traditionally, if a payment terminal asks you to select your payment type, and you select debit, you will be asked to authorize the payment using your PIN. If you select credit, you may be required to sign a receipt to authorize your purchase. A signature may not be required for certain transactions, such as those made on the internet, through mail order, and at pay-at-the-pump gas stations. That stated, options may differ depending on the merchant.

Yes, you will be able to use your debit card when traveling outside the US.

Yes, you may use your debit card to withdraw money from any ATM that accepts VISA.

Yes. You may withdraw a maximum of $500 per day.

Limits are set by our bank partner, and we are unable to increase or decrease cash withdrawal amounts.

There may be fees depending on the reason for a replacement:

  • Expired Card: No fee
  • Stolen or Fraud: No fee
  • Damaged or Lost: up to $20*​

 

*​BELLA offers 1 free replacement card per year for Lost or Damaged cards. All subsequent replacements will be charged a fee.

BELLA does not charge ATM withdrawal fees, but some ATM providers may charge fees of their own. Currently, BELLA is covering the cost of ATM fees for members.

Yes. Visa DPS, our card-processing partner, applies a 1% foreign exchange conversion charge. BELLA does not apply any additional charges, and does not share in this fee applied by Visa DPS.

No need for panic! If you lose your card, the first thing you should do is freeze the card using the BELLA app. If you find your card, simply unfreeze it in the app. If the card is officially lost, we recommend blocking your card in the BELLA app to prevent unauthorized use. You will then be able to request a replacement card using the BELLA app. When you receive your new debit card, activate it in the BELLA app and create a new PIN.

In the BELLA App, type “transactions” to view all of your transactions. You will also receive push notifications when a transaction is processed, unless you choose to deactivate them.

You can manage your PIN in the “Me” section of the BELLA App.

If your PIN is not working, try resetting it in the BELLA app. If that doesn’t solve the problem, message the BELLA Squad in the app.

There is no delay once the account is released, but the merchant will need to process the transaction again.

No, our debit cards are linked to checking accounts. You must transfer money into your checking account in order to spend money using your debit card

No. Use of the BELLA app is limited to one device per member.

No. For security reasons, app content is unavailable in offline mode. Internet connection is required for app use.

If you’re having trouble receiving verification codes, try resending—there’s a tap-to-resend option in the BELLA app. If the issue persists, please contact our Member Experience team using the BELLA app.

If for any reason you are locked out of the app, you may contact the Member Experience team via our website.

BELLA is currently only supported in the United States. Attempting to download abroad often results in errors that we are currently unable to resolve.

The Karma Account is BELLA’s vision of putting the “Pay It Forward” mentality into action. It’s a personal fund (up to $20) used to surprise other BELLA members with gifts—that is, to cover costs* of things like a cup of coffee or a tank of gas, and completely out of the blue.

Example scenario: A BELLA member pays for a latte with their BELLA debit card, and gets a notification that their beverage has been paid for by the generosity of another BELLA member. This mysterious benefactor could be you, or anyone else who has set aside Karma Account funds.

Create your Karma account with the tap-to-type box in the BELLA app. There is no fee to open a Karma account.

*Karma Account transactions only work for full purchases—i.e. the complete cost of one item, up to the $20 cap.

You can fund your Karma Account by moving money from your checking account. Tap to type Karma, then tap Fund at the bottom of the page.

You may allocate as much as $20, which will then be used to randomly help pay for other BELLA members’ debit purchases.

No. There is no balance minimum required to maintain the account, and you may transfer funds from your checking account to your Karma account—up to $20—as often as you’d like.

Yes. Once your Karma funds have been debited from your account, you will receive a notification indicating the recipient, and how much they received.

Any funds already debited from your Karma account cannot be reclaimed, but any funds not already debited may be transferred from your Karma account as needed.

You can close your Karma account by reaching out to our Member Experience team, however, you can also keep it open with a $0 in case you change your mind. If you decide to close your Karma account, your remaining Karma account balance will automatically transfer to your checking account upon closing.

Yes, and there are no closing fees.

Yes. Your remaining Karma account balance will automatically go to your checking account upon closing.

The Pay It Forward principle is the core tenet of the Karma Account, where your funds’ sole purpose is to make someone else’s day. It feels great to give, but it also feels great to be the recipient of someone else’s giving—something that’s possible for each and every BELLA member, regardless of whether they have their own Karma Account. In short, you don’t have to give to receive, but the more Karma funds there are, the greater chance there is that your day could be lifted by a random act of generosity.

“Pay It Forward” refers to a mentality—giving to others while expecting nothing in return—and the Karma Account is BELLA’s tool for making the mentality a reality. You set aside money in your account, and this money helps others. As a BELLA member, you’re always a potential recipient of someone paying it forward using the Karma Account, even if you haven’t set up your own yet.

Pay It Forward occurrences are randomized and anonymous. So while you can’t choose the recipient of your generosity, you can rest assured your funds are contributing to a collective goal of making the world a kinder, more giving place.

Yes. All BELLA members may receive Karma funds from other members, regardless of whether they’ve set up a personal Karma account.

BELLA Surprise is when we reward you cashback bonuses on normal purchases—out of the blue, and completely at random. BELLA members use their BELLA debit cards as per normal—everything from a small purchase like a cup of coffee to larger purchases like plane tickets—but on occasion will see they’ve received bonus cashback.

A BELLA Surprise is anywhere between 5% and 200% back* on any random purchase made using the BELLA debit card. The size of the purchase does not influence how high of a percentage of cashback you will receive—it’s completely randomized, and that’s part of the fun!

 

*Up to $2,000

Most, but not all. A small number of merchant categories—those associated with “vice” purchases and money transfers—will not be subject to surprise cashback.
For a detailed rundown of what qualifies for BELLA Surprise, please visit BELLA Surprise Terms at https://www.BELLAloves.me/legal-area/?f=privacy

Yes. You will receive a notification in the BELLA app.

Yes.

No, but we’re exploring adding this option in the future.

BELLA Community Initiatives is a program that selects Initiatives that seek to bring joy, inclusivity and beauty (we call these “Themes”) into our world through social impact. We call the organizers of these Initiatives “Changemakers.” The BELLA Community Initiatives program enables you to make manual donations directly toward a cause that interests you the most from a carefully curated list, or to make automatic donations to whatever Initiative is currently active under a Theme that you choose.

You can choose to make one-time donations using funds directly from your checking account by navigating to the BELLA Surprises section of the mobile app, selecting “Donate” at the bottom of the screen then selecting the theme of your choice and reviewing each Initiative within that theme. You will find a “One-time” contribution button towards the bottom of the Initiative page.

To set up an automatic donation under a Theme of your choice, navigate to the BELLA Surprises page within the BELLA mobile app, click on “BELLA Surprise Settings” at the bottom of the screen, and select either “Manage Surprises from BELLA” or “Manage Surprises from other Members.” Select the toggle to the right of “Community Initiatives” and you will be asked to choose a theme to start contributing to (Joy, Inclusivity and Beauty). Select one of the three themes and confirm your automatic donation by clicking on the button at the bottom of the page (i.e. Spread Joy).

 

When you set up automatic donations, 100% of the money you receive from BELLA Surprises or BELLA members (Karma account gifts) will be donated to the Changemaker to support their Initiative instead of remaining in your BELLA Checking Account. You can choose to have your Surprise Cashback (surprises from BELLA) or Karma account gifts (surprises from other members) automatically donated, or both!

You can change your selected Theme at any time by navigating to the BELLA Surprises section of the app and clicking on “Donate” at the bottom of the screen. From here you will be able to click on each theme (Joy, Inclusivity, Beauty) to learn more about the current Initiative and adjust your contribution (set up to be a recurring donation or a one-time donation) at the bottom of the page.

Yes, you can turn off automation donations at any time directly in the BELLA app by clicking on “BELLA Surprise Settings” at the bottom of the BELLA Surprises page, and select “Manage Surprises from BELLA” or “Manage Surprises from other Members.” Use the appropriate toggle to manage where the Surprises you receive from BELLA or another Member will go (Checking Account, Karma Account or Community Initiatives). When you select Checking Account or Karma Account, this will disable automatic donations.

Yes! While you can only have one Theme at a time set up for automation donations, you can make as many one-time donations toward other Initiatives as you’d like! To make a one-time donation towards an initiative, navigate to your BELLA Surprises page in the BELLA mobile app and click on “Donate” at the bottom of the screen. From here you will be able to click on a theme (Joy, Inclusivity, Beauty) to learn more about the current Initiative and contribute a one-time donation at the bottom of the page.

Our goal is to feature an Initiative until its funding goal has been met, but we may change the Initiative before that happens to give other worthy Changemakers a chance to participate. If we do close an Initiative before its funding goal is met, all funds collected for the Initiative up until that point will be disbursed to the Changemaker for that Initiative.

Yes! 100% of your donation will go directly to the Changemaker supporting the Initiative of your choice. BELLA does not take any sort of fee or payment from your donation.

BELLA carefully assesses each Changemaker via a process designed to ensure that they are actively working to advance joy, inclusivity and beauty in the world through their programs and activities.

You can find out more information about the current Initiatives that BELLA selected by navigating to the BELLA Surprises page in the BELLA mobile app. You will see three different themes: Spread Joy, Support Inclusivity and Create Beauty. Initiatives are aligned with a theme, and within each theme you will be able to read more about each Initiative currently selected by BELLA.

Any interested individuals or organization can apply to become a Changemaker and be featured in the BELLA Community Initiatives program by emailing community.initiatives@bellaloves.me.

You must consult with your own tax advisor to determine if your donation is tax deductible or not. When we list an Initiative, we will report the Changemaker’s self-reported tax-exempt status and we will endeavor to provide a record of the donation to you that is consistent with IRS guidelines.

For one time donations of $250 and greater to a Changemaker, qualifying BELLA Members will receive a notification email that a Tax Receipt is available within the BELLA mobile app once the donation has been disbursed to the Changemaker (ordinarily the end of the calendar month of your donation). To locate a donation receipt from the BELLA mobile app, navigate to your Checking page and click on “Account Details” at the bottom of the page. From here, you will see “Account Statements” at the bottom of the screen. Select the month and year for the statement in which you would like to view. You can also review all of your historical contributions from the Checking page in the mobile app. Statements and Documents

LoveData is our secure BELLA system that maintains BELLA member details. LoveData is any BELLA information related to knowing our members as we know our family and friends – examples include pronouns, nicknames, and Karma participation.

The Karma Score is not a credit risk score, instead this is a BELLA score that showcases an individual’s contributions to the greater community and the world. Karma Scores are calculated using LoveData, taking into account everything from Karma Account usage, tapbacks (thank you notes to other members), charitable giving, and more. The BellaLovesMe100 Index shows the BELLA community’s actions, the Karma Score showcases your impact on the world!

BELLA is working to establish programs to benefit the BELLA community and world at large with messages of beauty, love, and tenderness at their cores.

To create a BELLA account, you must provide your social security number, email address, and your residential address. You will also be required to e-sign an agreement with our partner nbkc.

Yes. BELLA takes security very seriously and has made protecting your personal financial information our top priority.

-Apple Devices: Open the App Store and search for “BELLA,” and, once you find us, select “Get,” then “Install” to download the app to your device.

 

-Android Devices: Open Google Play and search for “BELLA,” find us, then select “Install” to download the app to your device.

Yes. The BELLA app can be downloaded for free.

Please note that standard SMS text messaging and web browser application fees from your mobile phone provider may still apply. Please contact your mobile service provider for details.

BELLA users may access and manage their checking and savings accounts, transfer funds between accounts both in and outside the BELLA system, keep track of current transactions, review account history, and submit customer service requests via secure messaging, all in one place.

We do not offer a Joint Checking account.

We do not offer a Children’s account at this time.

We do not offer a Business Account at this time.

You can change your address in the “Me” section of the BELLA app. You will be prompted to submit documentation that verifies your new address. This may take a couple days to update in your account. If you need assistance, feel free to message the BELLA Squad in the BELLA app.

No, you cannot change your email address. If you lose access to your email, contact the Member Experience team via the app.

You may change your phone number in the “Me” section of the BELLA app. Once you’ve entered your new mobile number, BELLA will send a confirmation code to your new number. You will need to enter the code in the app to save the change. If you need assistance, message the BELLA Squad in the BELLA app.

You can change your name in the “Me” section of the BELLA app. You will need to submit documentation that verifies your new name. This may take a couple days to update in your account. If you need help, message the BELLA Squad in the BELLA app.

You may change your phone number in the “Me” section of the BELLA app. Once you’ve entered your new mobile number, BELLA will send a confirmation code to your new number. You will need to enter the code in the app to save the change. If you need assistance, message the BELLA Squad in the BELLA app.

When activating your new debit card in the BELLA app, you will be asked to type a 4-digit PIN number to use with your debit card.

You can change your PIN within the BELLA app.

To demonstrate security is BELLA’s top priority, we employ multiple standard security measures and strive to adapt to the demands of an ever-changing banking service landscape. Traditional password protection software is available on the app, as is biometric security—fingerprint or face recognition, depending on your device’s capabilities and your preferences. Beyond all this, BELLA guarantees personal identity information is only shared with our trusted partners—e.g. nbkc Bank—and only in circumstances necessary for you to legally make banking transactions through our service.

There are many scenarios that could potentially trigger your red flag radar. If ever in doubt, contact a member of the BELLA Squad immediately for advice. Short of that, keep in mind the following:

-If anyone contacts you saying they have a warrant for your arrest, and that you owe some kind of “fine,” this person is likely trying to scam you. If there is indeed a warrant for your arrest, you will not get a call ahead of time—the police will simply show up and confront you (which they can do, because they have a warrant).

-If anyone calls to inform you you’re at risk of a security breach, but that they need full access to your computer, this is likely a scam. Do not, under any circumstance, provide passwords, PINs, or verification codes of any kind, to sources with which you’re unfamiliar.

-If you receive an email from a source claiming connection to any of your external accounts, or even to your BELLA account, and prompts you to click on a link regarding a “security” issue, do not click said link—someone might be trying to get you to open a virus that would allow them access to your account.

-If you’re contacted from someone claiming to have sent you money, and that they’d like you to purchase gift cards for them using the sent funds, be aware that this is 100% a scam. This scenario might seem uncommon, but it’s not—and, unfortunately, it’s hard to report this kind of activity as a scam. General rule of thumb: Don’t believe someone when they’ve claimed to have sent you money, especially if you’re unfamiliar with the source, and even more so if there’s a contingency involving you making purchases with the sent funds.

When you sign up for a BELLA account, you provide BELLA with a contact email, which you can always use to get in touch with the BELLA Squad while you track down or replace your mobile device.

You may also use a tablet that supports IOS or Android to access your account.

BELLA is currently developing its website, which should be accessible via common web browsers, and available to users on computer desktops.

If you believe your identity has been stolen or compromised, you can contact major credit-reporting agencies about blacklisting/freezing your own social security number. If this is what you decide to do, you will be contacted about any future activity on your credit report—this ensures you’re verifying whether activities related to your credit are your doing and not a potentially harmful external party.

If you plan to take out a credit application, you will need to unfreeze your account. You can reapply the freeze once your application is processed, or if you decide to terminate your application.

BELLA will primarily contact you through our app, however, there may be instances where we need to contact you by email or text message. All official BELLA emails will come from an address ending in @bellaloves.me. Additionally, our partners at VISA may need to call you directly to verify transactions if they detect fraudulent activity. If you are ever unsure about an interaction, please contact our Customer Experience team.

Contact a member of the BELLA Squad via the app or the contact email you provided to unlock your account.

Contact a member BELLA Squad via the app, or using the contact email you provided when you opened your BELLA account.

You’re welcome to close any of your accounts at any time. Please see below for details on how to close each type of account:

CHECKING: ​To close your checking account, send a message to the BELLA Squad in the BELLA app, and someone will assist you.

SAVINGS (Goal Savings and Interest-Bearing Savings): ​Type “close” in the tap-to-type box in the BELLA app, and follow the instructions to automatically close your accounts. Any remaining funds in your savings accounts will automatically be transferred to your checking account.

KARMA:​ You may close your Karma account on your accounts page, or simply type “close” in our tap-to-type box on the BELLA app, and follow the instructions to close your account.

You will not be able to close your account until your funds are withdrawn.

No. Closing your account is a permanent action. If you decide to reopen an account with BELLA, you’ll have to reapply.

Yes. BELLA may close your account(s) if you breach terms, conditions, or policies, or if we suspect you of fraud or financial crime.

Yes. BELLA will send you an email in the event we have decided to close your account.

Any money you have left in your savings account upon closure will be automatically transferred to your checking account.

No. Your debit card is yours to keep.

In the unfortunate event you pass away, a family member or attorney may contact us. BELLA will gather necessary information from the caller, forward it to the Bank of Record, and someone from the bank of record will verify the identity of the person who has called on your behalf. Once proper verifications have occurred, the person calling on your behalf and the bank of record will work to disperse your funds appropriately (whether to beneficiaries or other appropriate parties).

Yes. A family member, friend, partner, or attorney should notify your banks in the event of your passing. Once BELLA receives notification of your passing, we will forward all information necessary to making sure your funds are transferred properly (to beneficiaries or other appropriate recipients) to the Bank of Record.

Yes. Contact a member of the BELLA Squad to set a beneficiary for your account, and they will make sure your banking system record is updated accordingly. You cannot set up a beneficiary in the app.

BELLA will not give your beneficiary direct access. Information kept with your Bank of/on Record will be used to properly verify your beneficiary’s identity and send funds to them accordingly.

Sure. Where your beneficiary resides does not matter—the same procedures apply for acquiring funds from your account.

If you do not recognize a checking or savings account transaction, please contact the BELLA Squad immediately, and they will be able to temporarily freeze your card.

PIN-based transactions require you to enter your PIN (Personal Identification Number) into the merchant keypad at the point of sale. Signature transactions require you to sign your name at the point of sale to process the transaction.

BELLA has to wait for the merchant to submit a transaction before it can appear on your account summary as a withdrawal. This can take between 1 and 3 days after your purchase, but you may see the transaction as pending authorization for 3-5 business days.

It’s important you track your account balance, pending card transactions, and scheduled bill payments to ensure you have adequate funds in your account to cover pending charges.

When you use your debit card to make a purchase, the merchant with whom you’re conducting the transaction will request an approval—this is known as an authorization. An authorization confirms that your account is open and active, and has enough funds available to cover the purchase amount at the time of the request.

Some merchants may send an authorization request for a nominal amount, such as $1, or an estimate of the actual purchase amount. The authorization hold amount reduces your available balance and will remain on the account up to 3-5 business days after your debit card is used.

When the final authorization is presented to BELLA, the actual purchase amount is deducted from your account.

A transaction is pending when the merchant has sent an authorization request to BELLA. Once the request has been resolved, the final transaction amount can be posted, and the transaction is no longer considered pending.

Generally, final transaction amounts will post within 3-5 business days of making a purchase.

If you see an error on your pending transaction, wait for the final authorization to post. If the final authorization amount is incorrect, first contact the merchant directly. If you are not able to resolve the issue with the merchant, contact the BELLA Squad in the BELLA App.

If BELLA is required to pull funds from an outside account, those funds will be available 48 hours after receipt of said funds is confirmed. Funds from an incoming ACH/deposit made by an outside financial institution are made available immediately upon receipt.

You may view all past transactions in the “Transaction History” section of the BELLA App. You may also download monthly statements from the “Me” section of the BELLA App.

The daily limit for a mobile check deposit is $1,500. The monthly limit is $25,000. There is no limit to the number of check deposits you can make.

Account Balance refers to the total funds in your account, including funds that may be removed once pending transactions are finalized. Available Balance refers to the amount of funds remaining in your account after your pending transactions are finalized.

You may spend up to $3,000 per day using your debit card.

Yes. Inbound and outbound ACH transfers up to $3,000 may be conducted between BELLA members. There are no hold times on inbound transfers.

When you sign up for an account, a dual-interface Visa Debit Card will be sent to your permanent residential address. This can be used to make purchases where Visa is accepted, and covers in-person, online and over-the-phone transactions. Your card may also be used to withdraw cash, and make other transactions at any ATM that accepts Visa.

A debit card is a payment method linked to your checking account. When you pay with your debit card, the funds are “debited” from your checking account. This account debit might occur very quickly, or take a number of days.

Debit cards do not permit spending more than the amount of funds you have in your checking account. If you attempt to make a payment greater than the amount you have in your account, it will not go through.

Debit cards do not impact your credit score. All BELLA checking account holders will automatically be mailed a debit card upon opening an account.

Dual-interface cards are debit cards that support contactless payment ​and contact payments. BELLA’s debit card has an EMV chip, a traditional magnetic strip for swiping, and tap-to-pay functionality. The EMV chip provides enhanced card security, reducing risk of fraud.

(EMV stands for Europay, Mastercard and Visa. This is a global standard for cards equipped with computer chips and the technology used to authenticate chip-card transactions.)

After your application is approved, please allow 7-10 business days for your card to arrive. Your debit card will be mailed to the residential address on your account—PO boxes may not be used. If you do not receive your card within 10 business days, please contact our BELLA Squad through the BELLA App.

To activate your card, scan the QR code included in the package in which your card arrived, and then follow the prompts. You may also log into your BELLA App, type “activate” in the search feature to view instructions.

If your card is not functioning properly or is damaged, contact the BELLA Squad by typing “help” in the BELLA App, and someone will assist you in ordering a replacement card.

Freezing a debit card means placing a temporary hold on the card so that no new transactions can process. When you freeze your card, you eliminate the risk of someone else using it to make purchases, and you ensure no charges are processed until you unfreeze your card. You may freeze/unfreeze your card in the BELLA App.

Blocking a debit card means placing a lock on your card by reporting it lost or stolen. If you block your card, it cannot be reactivated, and you will need to order a new debit card*. You can do this by contacting the BELLA Squad.

 

*Fees may apply. Contact the BELLA Squad for more information.

Type “unfreeze” into the BELLA App, and follow the resulting instructions to unfreeze your debit card.

When activating your new debit card in the BELLA App, you will be asked to type a personalized four-digit PIN number.

For security purposes, we recommend not using sequenced numbers, four of the same number, the last four digits of your social security number, or birth dates.

You can make both one-time and recurring payments using your debit card. Contact your service provider/merchant to set this up.

You may contact your service provider/merchant directly to schedule, cancel, or change a one-time or recurring payment.

Yes, you may use your debit card for online purchases.

Absolutely! If a merchant or ATM has not yet adopted chip technology, your transaction will be processed using the magnetic stripe.

No. Whether you use your PIN or are required to sign your name, you will be charged the same.

Traditionally, if a payment terminal asks you to select your payment type, and you select debit, you will be asked to authorize the payment using your PIN. If you select credit, you may be required to sign a receipt to authorize your purchase. A signature may not be required for certain transactions, such as those made on the internet, through mail order, and at pay-at-the-pump gas stations. That stated, options may differ depending on the merchant.

Yes, you will be able to use your debit card when traveling outside the US.

Yes, you may use your debit card to withdraw money from any ATM that accepts VISA.

Yes. You may withdraw a maximum of $500 per day.

Limits are set by our bank partner, and we are unable to increase or decrease cash withdrawal amounts.

There may be fees depending on the reason for a replacement:

  • Expired Card: No fee
  • Stolen or Fraud: No fee
  • Damaged or Lost: up to $20*​

 

*​BELLA offers 1 free replacement card per year for Lost or Damaged cards. All subsequent replacements will be charged a fee.

BELLA does not charge ATM withdrawal fees, but some ATM providers may charge fees of their own. Currently, BELLA is covering the cost of ATM fees for members.

Yes. Visa DPS, our card-processing partner, applies a 1% foreign exchange conversion charge. BELLA does not apply any additional charges, and does not share in this fee applied by Visa DPS.

No need for panic! If you lose your card, the first thing you should do is freeze the card using the BELLA app. If you find your card, simply unfreeze it in the app. If the card is officially lost, we recommend blocking your card in the BELLA app to prevent unauthorized use. You will then be able to request a replacement card using the BELLA app. When you receive your new debit card, activate it in the BELLA app and create a new PIN.

In the BELLA App, type “transactions” to view all of your transactions. You will also receive push notifications when a transaction is processed, unless you choose to deactivate them.

You can manage your PIN in the “Me” section of the BELLA App.

If your PIN is not working, try resetting it in the BELLA app. If that doesn’t solve the problem, message the BELLA Squad in the app.

There is no delay once the account is released, but the merchant will need to process the transaction again.

No, our debit cards are linked to checking accounts. You must transfer money into your checking account in order to spend money using your debit card

No. Use of the BELLA app is limited to one device per member.

No. For security reasons, app content is unavailable in offline mode. Internet connection is required for app use.

If you’re having trouble receiving verification codes, try resending—there’s a tap-to-resend option in the BELLA app. If the issue persists, please contact our Member Experience team using the BELLA app.

If for any reason you are locked out of the app, you may contact the Member Experience team via our website.

BELLA is currently only supported in the United States. Attempting to download abroad often results in errors that we are currently unable to resolve.