NBKC Bank Review: Checking, Savings and CDs

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Written by Chanelle Bessette
Lead Writer

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nbkc bank
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at nbkc bank, Member FDIC

  • Checking

Overall institution rating


NerdWallet rating 
The bottom line:

The NBKC Everything Account combines checking and savings features in one account. NBKC also offers certificates of deposit and money market accounts with decent interest rates.

Though NBKC’s ATM network is large, as a primarily online bank its branch network is very small, with only four available in the Kansas City, Missouri, area. NBKC’s customer service phone line is available Monday through Friday from 7 a.m. to 6 p.m. CST, and its live chat support is available the same hours plus Saturday 9 a.m. to 1 p.m.

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.

Best for: Online banking customers who want the convenience of free checking, high-yield savings, and budgeting tools all in one account and won’t need support on weekends or in person.

» Want to see other 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 overdraft fees.
  • 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


nbkc bank Everything Account


Member FDIC


 NerdWallet rating 
Monthly fee
With $0 min. balance for APY
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at nbkc bank

The NBKC Everything Account has an interest rate of 1.75% APY and has no monthly fees or minimum deposit requirements. NBKC belongs to the MoneyPass network, which offers free use of over 37,000 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 with the Everything Account. The NBKC Everything Account integrates checking and savings features in one account. NBKC also offers certificates of deposit and money market accounts with decent interest rates.


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). Ratings are rounded to the nearest half-star.