North American Savings Bank Review

How does your bank stack up?

  • Financial Rates: 4.0 Star Icon
  • Customer Service: 5.0 Star Icon
  • Website Experience: 5.0 Star Icon
  • Bank Fees: 4.0 Star Icon


  • Variety of personal deposit accounts
  • Low opening required amounts
  • Competitive interest rates
  • Online and mobile banking


  • Accounts have monthly fees
  • Tiered interest rates on accounts
  • Cannot open all accounts online
  • No business accounts offered

What You Need to Know

NASB offers a variety of personal deposit accounts. They offer a free, student, and interest-earning checking account. A variety of savings accounts are available as well. They offer student savings, stepping stone savings account, and a premier account. Their CD terms range from six months to 120-month terms.

Most NASB accounts have low opening required amounts. Most of the savings accounts require $25 to $500 to open. The performance savings account does require $5,000 to open. Most of the checking accounts require $50 to $1,000 to open. The money market account and CDs have higher opening required amounts. They require $1,000 to $5,000 to open.

Most NASB accounts offer competitive interest rates. The rates are competitive with other online accounts. The rates are higher than typical bank rates. Two checking accounts earn interest. Those rates are higher than typical bank rates, but not competitive with online checking accounts.

All NASB accounts offer online and mobile banking. With mobile banking, you can deposit checks, transfer funds, and see account balances. You can pay bills through online or mobile banking. With the mobile app, you can access NASB’s personal finance management tool.

North American Savings Bank accounts have monthly maintenance fees. The fees for each account are $7.50 a month. To waive the fees, you must keep a set account balance. Those balances range from $100 to $15,000 depending on the account.

Most all NASB accounts have tiered interest rates, even the CDs. To earn the most competitive interest rates requires a high account balance. To earn the most competitive rates for CDs requires $5,000 to $10,000. The checking account requires $2,500. The money market account requires $50,000 to earn the best rate. The savings accounts require $50,000 to $75,000 to earn the most competitive rate.

Not all NASB accounts are able to be opened online. Some accounts require visiting a branch location to open. North American Savings Bank offers special online accounts and in-branch accounts. Their website makes it easy to see which accounts are online and which are in-branch accounts.

North American Savings Bank does not offer business deposit accounts. They offer commercial lending options and construction and development loans. NASB only offers personal deposit accounts. Those accounts include savings, money market, and checking accounts, as well as CDs.

Cool Things


The North American Savings Bank website provides a blog. This blog covers a variety of financial topics. Some of those topics include paying off debt, learning to love to save money, and refinancing. Learn about improving the value of your home or protection from financial scams. The blog also offers financial calculators and a section on online security.


North American Savings Bank started in 1927. The original name of the bank was City Building and Loan Association. It started in St. Louis, Missouri. The company moved to Kansas City, Missouri, shortly after opening. The bank's name then changed to North American Savings Association. This bank is also known as the bank with the “Sign of the Silver Dollar.”

During the Great Depression NASB continued to grow and serve the community. In 1990, the bank officially changed their name to North American Savings Bank. By 1992, the bank had over $500 million in assets.

Today, they have 11 branch locations and over $1 billion in assets.

Frequently Asked Questions

Is North American Savings Bank FDIC insured?

Yes. NASB 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?

By debit or ATM cards, checks, electronic transfer, or bill pay. You can also access your money by visiting a local branch location.

Does NASB offer mobile banking?

Yes. With the mobile app, you can check account balances, transfer funds, and deposit checks. You can track your spending and find ATM or branch locations.

Is NASB free?

No. Most all NASB accounts have a monthly fee. The monthly fee for the accounts is $7.50. To waive the monthly fee requires having a set balance in the accounts. That balance ranges from $100 to $15,000 depending on the account.

Is NASB a good bank?

NASB offers a variety of personal deposit accounts. The interest rates on most accounts are competitive with other online accounts. Some accounts have tiered interest rates. The best rate requires a large account balance. Most all NASB accounts have a monthly fee. Waive those fees by keeping a set amount in the account.

Is NASB secure online?

NASB offers online security measures that comply with federal laws. Their computers offer safeguards, and their buildings and files are secure.

Does NASB offer competitive interest rates?

Most NASB accounts offer competitive interest rates. Their rates are competitive with other online accounts. Most accounts have tiered interest rates. To earn the highest rate requires a set balance.

Can I use NASB for my business accounts?

No. Only personal deposit accounts are available for NASB accounts. NASB does offer commercial lending and construction and development loans.

How is NASB online banking different from the online banking my bank offers?

The interest rates for most accounts are much higher. There are some NASB accounts that are online only accounts. Those accounts cannot be opened in a branch location. Everything for those accounts is online.

Do NASB checking accounts pay interest?

Two NASB checking accounts earn interest. The rates are not competitive with other online checking account rates. They are slightly higher than typical bank checking accounts.

How do I reach customer service?

By phone, email, mail, online chat, or by visiting a local branch location. You can also follow NASB on Facebook or Twitter.

Does NASB offer bill pay?

Yes. NASB checking accounts offer free bill pay options. You can pay bills online or through the mobile app.

Can I deposit cash?

Yes, at a local branch location.

How long do transfers take?

Deposits made to your account before 4:00 p.m. CST generally fund the same business day. Deposits over $5,000 may be held for up to five business days.

Can I sign up for direct deposit to NASB accounts?

Yes. Money can be directly deposited into NASB accounts.

Bank Contact Information

North American Savings Bank
12498 S. 71 Highway
Grandview, MO 64030
800.677.6272, option 3

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