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NBKC Bank Review 2022


Member FDIC
Savings account

Member FDIC
Savings account

Member FDIC
Savings account

Member FDIC
Savings account

Member FDIC
Savings account
Overall
3.6
Bankrate Score
NBKC offers competitive rates on deposit accounts for business and personal customers.
What we like
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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.
What we don't
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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.
Money market accounts
3.3
Bankrate Score
The yield on an NBKC money market account is lower than what you can find at some other banks, but there is no monthly fee or minimum balance requirement. You can get a debit card for the account, too.
What we like
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The account comes with an optional Mastercard debit card (ATM only).
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There is no monthly fee.
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There is no minimum deposit required.
What we don't
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You can find other banks that pay higher yields.
CD rates
3.1
Bankrate Score

Member FDIC
CD
NBKC offers a broad range of terms, including: three and six months, and one, two, three, four and five years.
For some of the CD terms (two years or more), you only need $250 to open an account, while the three-month, six-month and one-year CDs require a minimum $1,000 deposit — which is still on the lower end.
What we like
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The bank offers a broad range of deposit terms.
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NBKC’s minimum opening balances are low.
What we don't
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You can get higher yields at other banks.
Checking accounts
5.0
Bankrate Score

Member FDIC
Checking account
With NBKC’s checking account, you won’t pay a monthly fee. The bank won’t charge you overdraft fees, either.
As an NBKC customer, you have access to a network of more than 37,000 free ATMs across the country.
The account also pairs with digital budgeting features to help you know where your money is going.
What we like
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There are no overdraft fees.
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There is no minimum opening deposit requirement.
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The bank offers digital budgeting tools, including letting you link your outside bank accounts so that you can see where your money is going under a single portal.
What we don't
Bank experience
NBKC Bank is a good choice for customers who want to do their banking online. It 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 only during normal bank hours, 9 a.m. to 6 p.m. Eastern time, weekdays.
About NBKC Bank
NBKC Bank is an FDIC-insured bank that was founded in 1999. NBKC is an online bank, but it also operates four branch locations in Kansas and Missouri. NBKC (formerly National Bank of Kansas City) serves small businesses and individuals. No savings account is offered.
Karen Bennett is a consumer banking reporter at Bankrate. She uses her finance writing background to help readers learn more about savings and checking accounts, CDs, and other financial matters. Karen brings decades of writing and reporting experience to the table, including the roles of credit cards writer for travel website Million Mile Secrets and money and career writer for The Cheat Sheet. Her work has also appeared in USA Today, Illinois Legal Times, and several Chicago, Milwaukee, and Washington, D.C. newspapers. In addition, she’s worked in the areas of marketing and business development, and she was product manager for a consumer money-saving website. When she’s not writing Bankrate articles, she can often be found cheering her kids on at soccer games, cooking and reading up on saving for retirement and other personal finance topics.