NBKC Bank Review

How does your bank stack up?

  • Financial Rates: 5.0 Star Icon
  • Customer Service: 5.0 Star Icon
  • Website Experience: 5.0 Star Icon
  • Bank Fees: 5.0 Star Icon


  • No monthly fees on accounts
  • Low opening required amounts
  • Competitive interest rates
  • Interest rates not tiered


  • 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.


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

Is NBKC Bank FDIC insured?

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.

How do I access my money?

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.

Does NBKC Bank offer mobile banking?

Yes. With the mobile app, you can access account information and deposit checks. You can pay bills or set up reoccurring payments.

Is NBKC Bank free?

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.

Is NBKC Bank a good bank?

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.

Is NBKC Bank secure online?

NBKC Bank offers security measures that comply with federal laws. Their computers offer safeguards. Their buildings and files are secure.

Does NBKC Bank offer competitive interest rates?

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.

Can I use NBKC Bank for my business accounts?

Yes. NBKC Bank offers checking, savings, and money market accounts for businesses. They offer lending options and treasury options for businesses as well.

How is NBKC Bank online banking different from the online banking my bank offers?

The interest rates for NBKC Bank accounts are much higher than typical bank accounts. Everything for your account is online.

Do NBKC Bank checking accounts pay interest?

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.

How do I reach customer service?

By phone, email, mail, live chat, or by visiting a local branch location. Hours vary depending on the branch location.

Does NBKC Bank offer bill pay?

Yes. The NBKC Bank Personal Account offers free bill pay. The Personal Account acts as a checking and savings account.

Can I deposit cash?

Yes, at a local branch location or certain ATMs.

How long do transfers take?

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.

Can I sign up for direct deposit to NBKC Bank accounts?

Yes. You can sign up to have money directly deposited into your NBKC Bank account.

Bank Contact Information

8320 Ward Parkway
Kansas City, MO 64114

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Sponsored Offers

Advertiser Disclosure
Capital One
Savings (Rate as of 10/1/2022)
APY 2.15%
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Member FDIC It only takes about 5 minutes to open a fee-free account.
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Citizens Access
Savings (Rate as of 10/1/2022)
APY 2.35%
Rate 2.32%
For APY $5,000
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Checkbook No
Member FDIC No fee online savings account with a great rate.
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