NBKC Bank Review 2023
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At a glance

CDs
Checking
MMA
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.
Highlights
- No Monthly Fees
- ATM Fee Refunds
Offers featured here have been sponsored by our partners, which impacts how, where, and in what order the products appear.

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.
Bankrate Savings rating = 4.9/5
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.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.4/5
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.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 5/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Offers featured here have been sponsored by our partners, which impacts how, where, and in what order the products appear.
Overall
NBKC offers competitive rates on deposit accounts for business and personal customers.
Pros
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NBKC offers competitive yields on some deposit accounts.
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It doesn’t charge fees for overdrafts.
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The minimum deposit required to open a CD is low.
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Customers get out-of-network ATM fee reimbursements.
Cons
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It’s not a bank for customers who like branch banking unless they live in the Kansas City metro area.
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There are other banks that pay higher yields on deposits.
NBKC Bank banking products
FEATURES
NBKC Bank CD overview
NBKC’s IRA CDs range from three and six months to one to five years. While the opening deposit requirement is just one cent, the yields offered on these CDs are very low.
Pros
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The bank offers a broad range of deposit terms.
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NBKC’s minimum opening balances are low.
Cons
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You can get higher yields at other banks.
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The 15-month CD requires a hefty $10,000 deposit.
Offers featured here have been sponsored by our partners, which impacts how, where, and in what order the products appear.

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.
Bankrate CD rating = 4.3/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
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 |
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.
Bank experience
NBKC Bank 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, email or phone is available from 8 a.m. to 7 p.m. CST, weekdays.
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 the highest APY. 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
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.
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