nbkc Online Bank Review 2023 – Great Interest Rates on Checking Accounts

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nbkc banknbkc is a bank based in the Kansas City area, although it also operates as an online bank that works well for people looking to keep fees low, earn a competitive interest rate on checking and savings, and receive good customer service.

In our nbkc review, we'll check out what this online bank has to offer.

Commissions & Fees - 10
Customer Service - 8
Ease of Use - 9
Locations - 4
Savings Options - 7
Rates - 8


nbkc may be a great choice for you if you're looking for an online bank with competitive rates, low fees, and a technology-forward focus.

Earn 0.40% With an nbkc Everything Account

The bank was founded in 1999 as Horizon National Bank, was known for a while as the National Bank of Kansas City, and then converted to the new name, nbkc bank, in December 2015 to appeal to a broader audience.

The bank may be a great choice if you're comfortable handling your money online. That includes access to online banking and mobile apps for Android and iOS devices. The bank offers free access to more than 34,000 ATMs through the MoneyPass network.

nbkc isn’t the biggest player on the block, but its $456 million in deposits are nothing to sneeze at. With almost nonexistent fees and competitive rates, this bank is sure to grow in the coming years.

Let's look further into what nbkc bank has to offer.

nbkc bank Features

AccountsSavings, Checking, Money Market, CDs
AccessWeb Based, iPhone App, Android App, Blackberry App
Amount of Branches4
ATM Reimbursement
Online Deposits
FDIC Insurance
Customer ServicePhone: M-F 8 a.m. - 7 p.m. CT; Email

What Is nbkc bank?

nbkc has four branches in the Kansas City metropolitan area, including a headquarters location in Overland Park, Kansas. But you should think of nbkc primarily as an online bank. No matter where you live, you can generally handle all of your needs online or through free ATMs.

If you don’t live near Kansas City, the only thing you can’t do with nbkc is deposit cash. The bank doesn’t offer a wide range of options for checking and savings accounts, but the ones it offers are simple, straightforward and competitive with top-rated accounts across the industry.

One fun fact: nbkc bank previously ran the Fountain City Fintech accelerator, which aimed to help small financial technology companies grow quickly in a win-win partnership with the bank. The accelerator ran for two years.

The bank employs 315 workers. It is well capitalized and FDIC insured. That means it’s likely a safe place to keep your money.

Next, let's take a look at some popular features and accounts at nbkc.

How Does nbkc bank Work?

nbkc is primarily an online bank. That means you'll handle your banking relationship with your computer or smartphone. That makes it hard to do your banking if you get paid in cash — for example, if you're a server or valet who gets a lot of tips. But for most people, an online bank works great.

You can deposit to your account via direct deposit, electronic transfers from other banks (though there is a daily limit), or mobile deposit using your phone. You can withdraw cash from any MoneyPass ATM at no charge. If you use other ATMs, you'll get an automatic refund for fees (up to $12 per month) other banks may charge. So, for practical purposes, you can use any ATM free a few times per month.

There is no minimum balance to open an account. Pretty much everything else is free beyond sending a bank wire ($5 domestic, $45 international). Interest rates are about 10 times what you get at many big nationwide banks but lag behind the rates you get from the top market leaders such as American Express National Bank or Capital One 360.

Overall, nbkc is a great bank that gets good reviews from current customers for customer service. It's certainly worthy of your shortlist if you're considering moving to a new bank.

nbkc bank Personal Accounts

The combined checking and savings account at nbkc bank is called the Everything Account.  It includes a no-fee debit MasterCard and free checks, and it doesn’t charge fees for things many other banks like to gouge you for.

There are no fees for overdrafts, returned items, stop payments, incoming wires or even cashier’s checks. The only two fees I could find on the nbkc bank website for personal checking accounts are for outgoing wire transfers.

You can use your debit card at any ATM for a withdrawal. nbkc bank charges no fees for using other banks' ATMs and automatically reimburses fees charged by other banks, up to $12 per month.

This account offers a 0.40% APY interest rate as of February 2021. That rate is pretty great for a checking account — in comparison, Ally Bank currently offers between 0.10% and 0.25% APY for its checking accounts, while Capital One 360 pays only 0.10%.

If you live in Kansas City, this account is a no-brainer. If you live elsewhere in the United States, it still deserves serious consideration.

nbkc bank Money Market

Personal Money Market Savings

    Available For
    Account Fees
    Savings Rates
    Minimum Deposit00.40

This account offering is in lieu of the traditional savings account.

HighlightsAlly BankChimenbkc bank
AccountsSavings, Checking, Money Market, CDsSavings, Checking, Money Market, CDsSavings, Checking, Money Market, CDs
Online Deposits
Physical Branches
FDIC Insurance
ATM Reimbursement

Other nbkc bank Products

Beyond personal banking products, nbkc offers competitive lending products. If you're in the market for a home or auto loan, you may want to consider one from nbkc. The bank also offers some less-common loans, including lot loans, bridge loans, and loans on other vehicle purchases.

nbkc bank also offers a credit card and personal loans.

Business products are available as well, although they're not covered in this review.

nbkc bank Pros & Cons

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Overall, nbkc bank is a great online bank and an even better local bank if you live in Kansas City. But even if you live a long way from a branch, you can do everything with nbkc except deposit cash.

There are almost no fees, nbkc offers good customer service, and it is a technology-forward bank that's sure to offer innovative features in the future thanks to its relationship with many fintech startups.

It may not be perfect for everyone, but nbkc bank is a great option that you should consider when looking for an online bank.

Eric Rosenberg

Eric Rosenberg is a finance, travel and technology writer in Ventura, California. He is a former bank manager and corporate finance and accounting professional who left his day job in 2016 to take his online side hustle full time. He has in-depth experience writing about banking, credit cards, investing and other financial topics and is an avid travel hacker. When away from the keyboard, Eric enjoys exploring the world, flying small airplanes, discovering new craft beers and spending time with his wife and little girls.

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  1. Not a good experience with NBKC bank. Set up an online business account 4 months ago and had nothing but problems and delays with things. Took them 3 months to set up invoices, then another few weeks to increase the limit from $1k. Transferred a few thousand dollars there to test out the waters and sent 1 invoice for $2k to collect the payment. Seemed to work fine. Sent out the second invoice for $3k and now my account is blocked for a “review”. No communication, no warning, no explanation. Just blocked without me being able to have access to my money.

    Called and talked to Eric (supervisor) and he said they can’t share any info as to why this happened and it might take a week or two before they are done with their review. Now the business is stalled. The trust has been seriously violated and undermined. Can’t rely on a bank that doesn’t care about user experience, especially about a business that needs predictability. Will be looking for a more serious alternative option.

  2. When I opened a CD, nbkc allowed me to fund the account via EFT(eletronic fund transfer) but when my CD matured, they did not offer EFT transfer! They only offer Wire or paper check. They are taking advantage of their client! Very bad practice.

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