-
Financial Rates:
5.0
-
Customer Service:
5.0
-
Website Experience:
5.0
-
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
-
Financial Rates:
3.0
-
Customer Service:
5.0
-
Website Experience:
5.0
-
Bank Fees:
4.0
Pros:
- MMA earns competitive rates
- Good variety of accounts available
- Special CDs earn competitive rates
- Many ways to open accounts
Cons:
- High opening required amounts
- Accounts have monthly fees
- Most interest rates not competitive
- Tiered interest rates on accounts
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.
The BMO Harris money market account offers competitive interest rates. These rates are competitive with other online accounts. They are much higher than typical bank rates. There are no monthly fees for this account.
BMO Harris offers a good variety of personal and business accounts. Those accounts include:
- Checking accounts
- Savings and money market accounts
- CD terms from three to 60-months
- IRA savings accounts and CDs
- Lending options
- Credit cards
- Investment options
BMO Harris Bank offers specific CD terms with more competitive interest rates. Their CD terms range from three to 60-months. They offer a six-month, 12-month, and 18-month CD with more competitive interest rates. These rates are competitive with other online CD accounts. BMO Harris CDs require $1,000, $5,000, or $100,00 to open.
There is more than one way to open BMO Harris accounts. You can open bank accounts online through the website. Customers can open accounts at a branch location or by calling customer service.
Some BMO Harris accounts have high opening required amounts. The money market account requires $5,000 to open. BMO Harris Bank offers regular CDs and jumbo CDs. To get the most competitive interest rate requires $5,000. The jumbo CDs require $100,000 to open.
Most BMO Harris accounts have monthly fees. The fees for their checking accounts range from $5 to $30. The savings account has a $5 monthly fee. These fees can be waived by keeping a set amount in the accounts. Those balances range from $100 to $50,000 depending on the account. Electronic statements and being under 25 years old will also waive some account fees.
BMO Harris Bank account rates are not competitive with other online accounts. The money market account and some CD terms offer competitive interest rates. Other account rates are not competitive with online accounts.
The premier checking account has tiered interest rates. To earn the most competitive rate for this account requires a balance of $50,000. The money market account has tiered interest rates, but the tiers are not on the website.
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| Savings (Rate as of 11/21/2024) | |
| APY | 4.00% |
|---|---|
| Rate | 3.92% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC | |
| Savings (Rate as of 11/21/2024) | |
| APY | 4.75% |
|---|---|
| Rate | 4.64% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC No monthly maintenance fee, $0 to open, easily grow your money | |
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.
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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.