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NBKC Bank Review 2024

Updated January 2, 2024
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At a glance

4.2
Rating: 4.2 stars out of 5
Bankrate Score
Caret Down

CDs

Rating: 4.7 stars out of 5

Checking

Rating: 4.8 stars out of 5

MMA

Rating: 4 stars out of 5

About Bankrate Score

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 with minimal fees. NBKC also offers CDs and a money market account that earn yields well above national averages.

Highlights

  • No Monthly Fees
  • ATM Fee Refunds
Compare offers
Info
Bank logo
Member FDIC
Savings Account
4.30
%
APY
APY
Info
As of 4/16/2024
Rating: 4.9 stars out of 5
$1
Min. balance for APY
View offer Arrow Right
Promoted offer:
Bank logo
Member FDIC
Savings Account
5.00
%
APY
APY
Info
As of 4/16/2024
Rating: 4.9 stars out of 5
$0
Min. balance for APY
View offer Arrow Right
Promoted offer: Plus, no monthly fees and unlimited free external transfers
Bank logo
Member FDIC
Savings Account
5.15
%
APY
APY
Info
As of 4/16/2024
Rating: 5 stars out of 5
$0
Min. balance for APY
View offer Arrow Right
Promoted offer:

Overall

NBKC offers a checking account that earns a highly competitive yield, and rates on its other deposit accounts are well above national averages. No monthly service fees are charged, and accounts can be opened online or at the bank’s branches in the Kansas City area.

Pros

  • Checkmark

    NBKC offers competitive yields on some deposit accounts.

  • Checkmark

    It doesn’t charge fees for overdrafts.

  • Checkmark

    The minimum deposit required to open a CD is low.

  • Checkmark

    Customers get out-of-network ATM fee reimbursements.

Cons

  • It’s not a bank for customers who like branch banking unless they live in the Kansas City metro area.

  • There are other banks that pay higher yields on deposits.

NBKC Bank banking products

4.7
Rating: 4.7 stars out of 5
Bankrate Score

NBKC Bank CD overview

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 three months to five years. For both types of CDs, shorter terms require a minimum deposit of $1,000, while longer terms require a lower minimum amount of $250.

The standard CDs with irregular terms of seven, 11 and 15 months earn high yields, while most of the others earn yields well above national averages. The IRA CDs, on the other hand, earn yields that are much lower.

Pros

  • Checkmark

    The bank offers a broad range of deposit terms.

  • Checkmark

    NBKC’s minimum opening balances are low.

Cons

  • You can get higher yields at other banks.

Compare Offer
Info
Bank logo
Member FDIC
CD
5.05
%
APY
APY
Info
As of 4/16/2024
Rating: 4.7 stars out of 5
Info
$0
Min. deposit
1 yr
Term
View offer Arrow Right
Promoted offer:

Bank fees

Fee Charged?
Overdraft fee None
Non-sufficient funds fee None
Monthly maintenance fee None
Out-of-network ATM fee None
Excessive transaction fee None

Customer experience

Customer support

Branch availability: NBKC offers four branches in the Kansas City area as well as access to more than 37,000 ATMs through the MoneyPass network.

Customer service: Deposit account holders can receive support over the phone Monday through Friday from 8 a.m. to 7 p.m. CT. Online chat support is also available during the same hours on the bank’s website.

Digital experience

While NBKC is a full-service community bank that only supports a few physical branch locations, most of its business is done online. Customer service via live chat is available from 8 a.m. to 7 p.m. CST, weekdays.

Highly rated mobile app: The NBKC mobile app receives favorable ratings on iOS and Google Play. Users can set savings goals and get an overall view of their finances by linking external accounts.

About NBKC Bank

NBKC Bank is an FDIC-insured bank founded in 1999. NBKC is an online bank, but it also operates four branch locations in the Kansas City metropolitan area. It also partners with the MoneyPass network to give customers access to over 37,000 ATMs.

NBKC (formerly National Bank of Kansas City) serves small businesses and individuals. No savings account is offered.

How does NBKC Bank compare to other banks?

NBKC Bank vs. Axos Bank

Axos Bank generally has a wider range of financial products and services, including offering a savings account where NBKC does not. As such, Axos Bank may be the better choice for someone looking to consolidate their finances — which could include their investment portfolio at Axos — under one roof. 

That noted, NBKC offers much higher yields on its CDs and its money market account, which makes NBKC a better choice if you’re just looking for high APYs. Moreover, NBKC’s checking account offers a robust APY (which isn’t the norm for these types of accounts) with no strings attached. In contrast, to earn Axos Bank’s top yield on its checking account, you must sign up for direct deposit and add a loan payment and investment accounts.

NBKC Bank FAQs

Review methodology

With so many financial institutions to choose from, it can be hard to know who to trust. Bankrate’s ever-growing list of bank and credit union reviews is updated regularly. Our editorial team analyzes and reviews each institution across deposit products such as savings accounts, checking accounts, certificates of deposit (CDs) and money market accounts (MMAs). Banks are rated by important factors such as offered interest rates, fees, minimum balance requirements, access to funds and more.

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.