nbkc bank Review 2022

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Updated on Tuesday, December 21, 2021

nbkc bank

Although nbkc bank has four physical branches in Kansas and Missouri, it primarily functions as an online institution. The bank was established in 1999 and offers personal and business banking accounts, including checking, money market and CD accounts, in addition to credit cards and loans.

This review will focus solely on nbkc bank’s personal banking account options, which generally have no minimums or fees and pay decent interest rates. These accounts can make the bank a good option for customers looking for a low-cost, no-frills online bank experience.

nbkc bank savings accounts 4.5 out of 5

Personal Money Market account
  • APY: 0.15% on all balances
  • Minimum opening deposit: $0
  • Monthly fee: $0

The nbkc Personal Money Market account is something of a hybrid between a checking and a savings account. Like a checking account, the Personal Money Market account offers checkwriting, though there is a limit of six transactions per month. Meanwhile, like a savings account, you can earn interest on balances of at least $0.01 (the current APY on such balances is 0.15%). An optional free box of checks comes with new accounts.

Since the account has no monthly fee, no minimum opening deposit requirements and pays an APY higher than the national average on balances of at least $0.01, the nbkc Personal Money Market account could be a decent option for those looking for a simple, low-cost savings account that also offers checkwriting. However, as the terms are very similar to the bank’s own nbkc Everything account, most customers may be better off with that option, discussed below.

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Check out our roundup of the best savings accounts available today.

Personal Health Savings account
  • APY: 0.15% on all balances
  • Minimum opening deposit: $0
  • Monthly fee: $0

If you have a high deductible health insurance plan, you could open a Health Savings Account (HSA) with nbkc. The Personal Health Savings account is a mirror image of the bank’s Personal Money Market account in terms of fees, APY and minimum amount to earn interest.

As a Health Savings account, however, this account doesn’t offer checkwriting. It does come with a debit card, which you can use for out-of-pocket medical expenses. No ATM deposits or withdrawals are allowed, and you’ll be responsible for ensuring that any transactions you make with the debit card meet IRS regulations for reimbursable medical expenses in an HSA.

You cannot open an nbkc Personal Health Savings account online, but you can check out how it compares with MagnifyMoney’s list of the best health savings accounts available.

SEE DETAILS Secured

on nbkc bank’s secure website

Member FDIC

nbkc bank checking accounts 4 out of 5

nbkc Everything account
  • APY: 0.15% on all balances
  • Minimum opening deposit: $0
  • Monthly fee: $0
  • ATM access: Access to 37,000 free MoneyPass ATMs, reimbursements of up to $12 monthly for out-of-network ATMs

The nbkc Everything Account combines features of savings and checking accounts and mirrors the basic terms of the bank’s Personal Money Market account and Personal Health Savings account. As with these other two accounts, there are no fees or minimums and the current APY is 0.15% on balances above $0.

The nbkc Everything Account offers a debit card with free access to over 37,000 ATMs via the MoneyPass network, plus reimbursements up to $12 per month for out-of-network ATM transactions. The account offers built-in savings goals that customers can use to set up their own personal savings plans and track their progress as they go. Automatic bill pay is also available.

SEE DETAILS Secured

on nbkc bank’s secure website

Member FDIC


Compare the nbkc Everything account with others at MagnifyMoney’s best checking account roundup.

nbkc bank CDs 2.5 out of 5

TermAPYMinimum opening deposit to earn APY
1 year0.15%$1,000
3 years0.25%$250
5 years0.30%$250

Both personal CDs and IRA CDs have the same rates and terms. The available terms are three or six months and one to five years. CDs with terms of a year or shorter have a $1,000 minimum opening deposit, but all others require just $250. Current APYs range from 0.15% to 0.30%.

There are no jumbo CDs or no-penalty CDs available, but the bank does offer an add-on CD. The add-on CD has no minimum deposit requirement (as it’s an add-on to an existing CD) and carries a 1-year term with the same 0.15% APY as the standard 1-year CD. All nbkc bank CDs can be opened online with the exception of the add-on CD, which must be opened in a branch.

SEE DETAILS Secured

on nbkc bank’s secure website

Member FDIC


MagnifyMoney’s best CD roundup offers a good comparison guide to see how nbkc bank’s CDs stack up to the competition.

Customer experience at nbkc bank

Customers appear happy with nbkc bank: On its website, the bank claims an average 4.9 stars out of 5 from over 19,000 customer reviews. The bank’s mobile apps receive 4.5 stars and 4 stars, respectively, from Apple App Store and Google Play users. Users can access their transaction histories, mobile deposits, funds transfers and current balances, in addition to branch information and ATM locations.

nbkc is primarily an online bank, though it does have four locations in Kansas and Missouri. ATM access generally isn’t a problem for the bank’s customers, as the bank is a member of the MoneyPass network, which offers over 37,000 fee-free ATM locations. Plus, up to $12 per month of out-of-network ATM fees are reimbursed by nbkc.

Customer service is available from Monday through Friday from 8 a.m. to 5 p.m. CST. Customers can also email the bank at [email protected].