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Financial Rates:
5.0
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Customer Service:
5.0
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Website Experience:
5.0
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Bank Fees:
5.0
Pros:
- No monthly fees on accounts
- Low opening required amounts
- Competitive interest rates
- Interest rates not tiered
Cons:
- Special CDs have high opening amount
- Limited accounts available
- Wire transfers have fees
- Customer service not available 24/7
What You Need to Know
There are no monthly maintenances fees for NBKC Bank accounts. There are no required amounts to keep in the accounts to avoid fees. NBKC accounts are completely free.
The opening required amounts for most NBKC accounts are low. The personal account and money market account only require $5 to open and earn interest. The health savings accounts do not have a set amount required to open. Each of the CD terms require $1,000 to open.
The accounts offered through NBKC Bank offer competitive interest rates. The rates are competitive with other online accounts. They are much higher than typical brick and mortar bank rates.
The interest rates for NBKC Bank are not tiered. Any amount over $0.01 earns the most competitive interest rates offered. You will receive a slightly lower interest rate if you have more than $1 million in NBKC accounts. Any amount from $0.01 to $1 million earns a competitive interest rate.
NBKC Bank offers four special CDs. Those terms include a seven-month, 12-month, 14-month, and 18-month CDs. These CDs earn more competitive interest rates than the other accounts. The seven-month and 14-month CD terms require $25,000 to open. The 12 and 18-month CDs require $1,000 to open.
NBKC Bank offers personal and business accounts. The only personal accounts offered are a checking and money market account, with some CDs. There are some business accounts available. Other accounts may be offered if you contact the bank directly.
There are fees to make wire transfers with NBKC Bank. To send a domestic wire anywhere in the United States has a $5 fee. To send or receive an international wire has a fee of $45.
Customer service for online accounts is not available anytime. They have specific hours at their branch locations. The hours are from 8 a.m. to 5 p.m. Central Time. Some branch locations are open from 9 a.m. to 5 p.m.
Cool Things
ATM Fee Reimbursement
NBKC Bank offers free ATM transactions at over 32,000 ATMs around the United States. If you complete a transaction and are charged a fee, NBKC Bank will reimburse you for the fees. They reimburse up to $12 per month for ATM fees.
History
NBKC started in 1999. It was originally named Horizon National Bank. In 2004, the name changed to National Bank of Kansas City. In 2015, the bank name officially changed to NBKC Bank.
NBKC Bank offers personal deposit and business accounts. The interest rates on the accounts are competitive with online accounts. They have branch locations in Missouri and Kansas. Anyone across the United States, who qualifies, can open an account online.
Awards and Recognition
- Best Places to Work in 2017 and 2018 by Kansas City Business Journal
- Accredited Business by The Better Business Bureau
- Healthy KC Platinum 2018 Certified
- Top CEOs in 2018 by Glassdoor
Frequently Asked Questions
Yes. NBKC Bank is FDIC insured. The FDIC is an agency of the United States government that protects funds deposited in banks, up to $250,000 per customer, per bank. The money deposited in FDIC insured banks means money is backed by the full faith and credit of the United States government.
With checks, ATM or debit cards, or electronic transfers. You can access your money with bill pay or by visiting a local branch location. You can pay others with their Pay People service online.
Yes. With the mobile app, you can access account information and deposit checks. You can pay bills or set up reoccurring payments.
Yes. There are no monthly maintenance fees for any NBKC Bank accounts. There is no minimum amount required to keep in the accounts to avoid the monthly fees.
Interest rates for NBKC Bank accounts are competitive with other online accounts. They offer personal deposit and business accounts. There are not a wide variety of accounts offered. The opening required amounts are low for most accounts. NBKC Bank accounts do not have monthly maintenance fees.
NBKC Bank offers security measures that comply with federal laws. Their computers offer safeguards. Their buildings and files are secure.
Yes. The interest rates for NBKC Bank accounts offer competitive interest rates. The rates are competitive with other online accounts. They are much higher than other brick and mortar bank rates.
Yes. NBKC Bank offers checking, savings, and money market accounts for businesses. They offer lending options and treasury options for businesses as well.
The interest rates for NBKC Bank accounts are much higher than typical bank accounts. Everything for your account is online.
Yes. The checking account with NBKC Bank is called the Personal Account. This account offers check writing privileges and a debit card. This account does earn competitive interest rates.
By phone, email, mail, live chat, or by visiting a local branch location. Hours vary depending on the branch location.
Yes. The NBKC Bank Personal Account offers free bill pay. The Personal Account acts as a checking and savings account.
Yes, at a local branch location or certain ATMs.
Your first funding amount is available in six business days. Electronic deposits and wires are typically available the same business day. Checks and ATM deposits are usually available the next business day. Some may take four business days.
Yes. You can sign up to have money directly deposited into your NBKC Bank account.
Bank Contact Information
8320 Ward ParkwayKansas City, MO 64114
888-905-2165
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Sponsored Offers
| Savings (Rate as of 4/25/2024) | |
| APY | 4.25% |
|---|---|
| Rate | 4.16% |
| For APY | $1 |
| Monthly Fee | $0.00 |
| Checkbook | No |
| Member FDIC | |
| Savings (Rate as of 4/25/2024) | |
| APY | 5.15% |
|---|---|
| Rate | 5.02% |
| For APY | $0 |
| Monthly Fee | $0.00 |
| Checkbook | No |
| Member FDIC | |
| Savings (Rate as of 4/25/2024) | |
| APY | 5.00% |
|---|---|
| Rate | 5.00% |
| For APY | $100 |
| Monthly Fee | $0.00 |
| Checkbook | No |
| Member FDIC Plus, no monthly fees and unlimited free external transfers | |
| Savings (Rate as of 4/25/2024) | |
| APY | 4.35% |
|---|---|
| Rate | 4.35% |
| For APY | $0 |
| Monthly Fee | $0.00 |
| Checkbook | No |
| Member FDIC | |
The rate information is obtained by Bankrate from the listed institutions. Bankrate cannot guarantee the accuracy or availability of any rates shown. Institutions may have different rates on their own websites than those posted on Bankrate.com. The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where, and in what order products appear. This table does not include all companies or all available products.
All rates are subject to change without notice and may vary depending on location. These quotes are from banks, thrifts, and credit unions, some of whom have paid for a link to their own website where you can find additional information. Those with a paid link are our Advertisers. Those without a paid link are listings we obtain to improve the consumer shopping experience and are not Advertisers. To receive the Bankrate.com rate from an Advertiser, please identify yourself as a Bankrate customer. Bank and thrift deposits are insured by the Federal Deposit Insurance Corp. Credit union deposits are insured by the National Credit Union Administration.
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1 APY stands for Annual Percent Yield. It's different from Rate because it takes into account compounding interest for the year.
2 MMA stands for Money Market Account. It's a savings and checking hybrid, allowing you to earn interest and use checks 6 times a month.