-
Financial Rates:
1.5
-
Customer Service:
4.5
-
Website Experience:
5.0
-
Bank Fees:
3.5
Pros:
- Opportunity checking account
- Business accounts are available
- Checking account for teenagers
- Low opening required amounts
Cons:
- Low-interest rates
- Accounts have monthly fees
- Few CD options and high opening amount
- No money market account offered
-
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
Wells Fargo offers an Opportunity Checking account. This account is for those who do not qualify for a regular checking account. It offers checks, a debit card, bill pay, and mobile banking. With the Opportunity account, there is a $10 monthly fee. There are options to waive the fee.
Many business accounts are available through Wells Fargo. Business savings and checking accounts are available. They offer CDs, loans, and credit cards. Commercial finance options are available. Wells Fargo offers retirement and investment options for businesses, along with payroll options.
Wells Fargo offers a checking account specifically for kids 13-17 years old. A parent must open the account with the child. There are no monthly fees and it offers a debit card and mobile banking. Parents can set limits on the number of purchases and withdrawals made from the account.
To open a Wells Fargo checking and savings requires a low opening deposit. The savings and checking accounts only need $25 to open. The accounts may require more money to earn interest, but to open the account only requires $25.
The interest rates for Wells Fargo accounts are low. They are not competitive with other online-only accounts. Even the highest interest rates offered are low compared to other online accounts.
Most Wells Fargo accounts have a monthly fee. The fees range from $10-30, depending on the account. Ways to waive the fees include:
- Signing up for electronic statements
- Having an average daily balance above a set amount
- Setting up a reoccurring savings deposit
- Account holder is between a certain age
- Having a direct deposit over a certain amount
- Combined account balances are above a set amount
- Making a set number of debit card transactions
Wells Fargo does not offer many CD term lengths. There are only four CDs with an opening amount of $2,500. Those terms are three-month, six-month, and one-year CDs. The 9, 29, and 39-month CDs require $5,000 to open. The Step Rate CD is a 24-month term. To open requires $2,500 and must be done in a branch location.
Wells Fargo does not offer a money market account. They offer a basic and a Platinum savings account. Neither account offers interest rates competitive to online 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.
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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.
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.