NBKC Bank Review: Checking, Savings and CDs
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Overall institution rating
4.3
NBKC’s main banking attraction is its Everything Account, a combination checking-savings account with virtually everything a checking account customer could ask for but falls short for serious savers. NBKC also offers certificates of deposit and money market accounts with decent interest rates.
NBKC offers access to a big ATM network, but the bank primarily serves an online customer base given its branch network of only four locations in the Kansas City, Missouri, area. NBKC’s customer service phone line is available on weekdays, and its live chat support is available on weekdays and Saturday.
NBKC offers a couple of online services for financial management, including features called Savings Goals and Financial Snapshot, both of which help customers manage their money. The bank also provides early direct deposit, which can help with money management.
» Want to see high-yield accounts? Check out NerdWallet's favorite high-yield online savings accounts.
» Looking for a business checking account? See our review of NBKC's Business Account.
- No monthly fees.
- No minimum opening deposits on some accounts.
- Large, free nationwide ATM network.
- Early direct deposit.
- No overdraft protection program.
- Low rates on some savings accounts.
- Limited branch access.
- Limited customer support phone hours.
Full review
Full review
NBKC Bank
Checking
5.0
/5Monthly fee
$0
APY
1.75%
With $0 min. balance for APY
Monthly fee
$0
APY
1.75%
With $0 min. balance for APY
Bonus
N/A
Show details
Stellar rate – for a checking account. The NBKC Everything Account has an interest rate of 1.75% APY and has no monthly fees, minimum deposit requirements or overdraft fees. It’s uncommon to earn such a high rate on a checking balance with no costs or hoops to jump through. However, the same rate applies to the savings account balance, and many high-yield savings accounts have notably higher rates.
Solid cash access and savings features. NBKC belongs to the Allpoint and MoneyPass networks, offering free use of over 90,000 ATMs to NBKC customers. NBKC also provides $12 in out-of-network ATM fee reimbursements per month. Since this account combines checking and savings features, customers can set up savings goals as online “piggy banks” within the Everything Account.
Methodology
NerdWallet’s overall ratings for banks and credit unions are weighted averages of several categories: checking, savings, certificates of deposit or credit union share certificates, banking experience and overdraft fees. Factors we consider, depending on the category, include rates and fees, ATM and branch access, account features and limits, user-facing technology, customer service and innovation. The stars represent ratings from poor (one star) to excellent (five stars). The ratings are incremented in tenths of a star.