NBKC Bank Review 2026
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At a glance
Overview
NBKC Bank is a good choice for customers who like to bank online or live in the Kansas City area and want an interest-bearing checking account. NBKC also offers certificates of deposit (CDs) and a money market account that earn yields well above national averages. Unlike some of the nation’s top banks, NBKC doesn’t charge any monthly service fees.
Highlights:
ATM Fee Refunds No Monthly FeesHighlights:
CDs
Checking
MMA
Customer Experience
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
These are sponsored offers rated highly by us for competitive rates, fees, and minimums.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
NBKC pros and cons
Pros
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NBKC offers competitive yields on some deposit accounts.
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It doesn’t charge overdraft fees.
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The minimum deposit required to earn on any account is low.
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Customers get out-of-network ATM fee reimbursements, up to $12 a month.
Cons
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If you like branch banking, you'll only find them in the Kansas City metro area.
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No dedicated typical savings account option.
NBKC Bank banking products
NBKC Bank CD overview
Pros
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Broad range of CD deposit terms.
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Competitive yields on shorter standard CDs.
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IRA CDs available.
Cons
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Minimum opening deposit of $1,000 is higher than some other online options.
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CD early withdrawal fees aren't listed anywhere on NBKC's website.
NBKC offers a broad range of terms for both its standard and IRA CDs. The standard CD terms range from six months to five years, while the IRA CD terms range from six months to five years. For both types of CDs, all terms require a minimum deposit of $1,000.
The standard CDs with irregular terms of six, seven and 11 months earn highly competitive yields. While most of the others earn yields above national averages, they don't compete with the best of the best. The IRA CDs, on the other hand, earn yields that are much lower.
NBKC Bank money market overview
Pros
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Competitive yield.
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Account comes with an optional debit card.
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No monthly fee or minimum requirement to earn.
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Get reimbursed up to $12 each month for out-of-network ATM fees.
Cons
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Limited to six withdrawals per month.
The yield on an NBKC money market account is solid, and there is no monthly fee or minimum balance requirement. You can get a debit card for the account, too.
Although it’s part of an expansive ATM network, NBKC also reimburses up to $12 per month in out-of-network ATM fees. That said, you'll only be able to make up to six withdrawals in a four-week period.
NBKC Bank checking overview
Pros
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No monthly or overdraft fees.
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No minimum opening deposit requirement.
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Digital budgeting tools available, such as expense tracking and auto bill pay.
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Earns interest at a rate much higher than what most checking accounts pay.
Cons
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Unlike thousands of other banks, Zelle is not available for customers.
With NBKC’s interest-bearing checking account, you won’t pay a monthly fee. The yield on this account is very competitive, much higher than what’s offered at other banks. The bank won’t charge you overdraft fees, either.
As an NBKC customer, you have access to a network of more than 90,000 free ATMs globally. Plus, out-of-network ATM fees are reimbursed by up to $12 per month.
The account also pairs with digital budgeting features to help you know where your money is going. Some features include the ability to set savings goals, a financial snapshot showing how you spend your money and auto pay for bills.
Customer experience
Branch availability. NBKC offers four branches in the Kansas City area as well as access to more than 90,000 ATMs through the Allpoint and MoneyPass networks.
Customer support. Deposit account holders can receive support over the phone Monday through Friday from 7 a.m. to 6 p.m. CT. Online chat support is also available during the same hours, plus Saturday from 9 a.m. to 1 p.m. CT, on the bank’s website.
Digital experience
Highly rated mobile app. The NBKC mobile app receives favorable ratings on iOS and Google Play. Users can set savings goals, pay bills and get an overall view of their finances by linking external accounts. But there's no peer-to-peer payment option listed, such as Zelle.
Mixed-bag website. NBKC's website is slick and easy to navigate, with robust FAQ sections on each account's informational page. However, key information is missing. For example, the MMA account's page doesn't state that you'll be limited to six withdrawals per month; you'll have to find NBKC's disclosure page, which isn't prominently linked, to learn that. Nor are certificate of deposit early deposit fees listed anywhere one Bankrate editor could locate.
Bankrate staff insight
"The NBKC Everything Account offers a lot of benefits over your traditional checking account. It earns interest and allows you to set goals and save money at the same time. The biggest benefit is that you can do your banking all in one, with a combined savings and checking account," said a Bankrate staff member who banks with NBKC. "Additionally, compared to other banks, the online interface for NBKC is top of the line, making it easy to navigate and find the tools you are looking for."
How NBKC Bank compares to other banks
Compare different account types offered by NBKC Bank. Annual percentage yields (APYs) shown were updated between Aug. 4, 2026 and Aug. 10, 2026.
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Selected bank
NBKC Bank CD
Bankrate score
4.1
Bankrate CD rating = 4.1/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. |
Most comparable
Sallie Mae Bank CD
Bankrate score
4.2
Bankrate CD rating = 4.2/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. |
Search for or select a bank:
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Bankrate score
Bankrate CD rating Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. |
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APY
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between Aug. 4, 2026 and Aug. 10, 2026.
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| 3.66% | 4.20% | |
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Minimum deposit
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| $1,000.00 | $2,500.00 | |
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Term
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| 1 yr | 15 mos | |
| NBKC Bank offers a large range of standard CDs, in addition to IRA CDs. Standard terms range from six months to five years. Some yields are very competitive while others are solid, depending on the account. $250 is required to open some NBKC CD; others require $1,000. | Sallie Mae Bank offers a wide variety of CD terms. But savers will need to look elsewhere if they don’t have at least $2,500 to open one of these CDs. | |
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N/A
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N/A
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1-year APY:
3.66%
5/5
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.
3-year APY:
2.75%
3/5
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.
5-year APY:
2.75%
4/5
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.
Minimum deposit:
$250.00
5/5
The minimum deposit amount a financial institution requires in order to open a CD.
Early withdrawal penalty:
Average
3/5
A penalty incurred when funds have been withdrawn from a CD before its maturity date.
Offers specialty CDs:
No
0/5
Specialty CDs include no-penalty CDs, bump-up CDs and add-on CDs.
Number of CD terms:
8
4/5
The number of CD terms a financial institution offers.
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1-year APY:
4.15%
5/5
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.
3-year APY:
4.35%
5/5
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.
5-year APY:
4.35%
5/5
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.
Minimum deposit:
$2,500.00
3/5
The minimum deposit amount a financial institution requires in order to open a CD.
Early withdrawal penalty:
Good
4/5
A penalty incurred when funds have been withdrawn from a CD before its maturity date.
Offers specialty CDs:
No
0/5
Specialty CDs include no-penalty CDs, bump-up CDs and add-on CDs.
Number of CD terms:
11
5/5
The number of CD terms a financial institution offers.
|
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.
The minimum deposit amount a financial institution requires in order to open a CD.
A penalty incurred when funds have been withdrawn from a CD before its maturity date.
Specialty CDs include no-penalty CDs, bump-up CDs and add-on CDs.
The number of CD terms a financial institution offers.
Bankrate does not currently track additional product details for this bank.
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Do you have experience with NBKC? Let us know your thoughts.
Review methodology
We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.
