banking that is totally free,

fun and full of heart.


Checking and savings accounts that will make you smile.

Banking made with love

When you open a BELLA Checking Account*, you join a community of incredible human beings who care about each other and the impact they have on the world.

Every time you swipe your beautiful rainbow BELLA Debit Card, you could receive a BELLA Surprise from another community member or from BELLA itself.


BELLA is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC.

Checking Account

A banking app you will look forward to opening.


  • Personalize your Checking Account* with photos and #hashtags.
  • No hidden fees and free, instant payments to other members.
  • FDIC coverage up to $5 million for each member on all Checking and Savings Account deposits.*

Saving is boring. Unless…

You’ve heard of the usual savings options everyone offers (we do too), like setting automatic transfers or monthly contribution amounts to reach your goals.


But have you ever created a real SUNNY DAY FUND?

That’s an unconventional saving rule only by BELLA!


Save money for a special trip every time there’s sun in your hometown, or transfer $5 into a savings account* to buy your dream home each time the sun shines.

Ciao, I’m Socratex

And I’m here when you need to chat.


Socratex is an intuitive conversational AI that understands what you need and helps get you answers quickly.


Socratex knows all about banking but, if you need something else or just want a chat, you are automatically transferred to the amazing humans of the BELLA support team.

*BELLA accounts are provided and issued by nbkc bank, Member FDIC. Further, balances held in a BELLA accounts benefit from up to $5,000,000 of FDIC insurance per customer. This is possible because Bella and nbkc arranged for your deposits to be spread across a network of FDIC insured banks, where no more than $250,000 of your funds in your BELLA account will be deposited at any single institution in the bank network. Balances in your accounts may be moved by nbkc to one or more network banks to increase the amount of FDIC insurance available to you. Once the funds arrive at the network banks, they are eligible for FDIC insurance per customer of up to $5,000,000 in aggregate. Please be aware that your amount of FDIC insurance may be lower if the combination of any balances you maintain at a network bank, plus any deposits from your BELLA account(s) held in the same network bank, exceed $250,000. Learn more at:

BELLA is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC.