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NBKC Bank Review 2023

Updated January 6, 2023
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At a glance

3.9
Rating: 3.9 stars out of 5
Bankrate Score
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CDs

Rating: 3.8 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.

Highlights

  • No Monthly Fees
  • ATM Fee Refunds
Compare offers
Bank logo
Member FDIC
Savings Account
3.40
%
APY
Rating: 4.9 stars out of 5
$0
Min. balance for APY
View offer Arrow Right
Bank logo
Member FDIC
Savings Account
3.50
%
APY
Rating: 4.7 stars out of 5
$0
Min. balance for APY
View offer Arrow Right
Bank logo
Member FDIC
Savings Account
4.25
%
APY
Rating: 4.7 stars out of 5
$0
Min. balance for APY
View offer Arrow Right

Overall

NBKC offers competitive rates on deposit accounts for business and personal customers.

Pros

  • Checkmark

    NBKC offers competitive yields on some deposit accounts.

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    It doesn’t charge fees for overdrafts.

  • Checkmark

    The minimum deposit required to open a CD is low.

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    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 bank products

3.8
Rating: 3.8 stars out of 5
Bankrate Score

NBKC Bank CD overview

NBKC offers a broad range of CD terms, including three and six months and one, two, three, four and five years. It also offers one specialty CD — a one-year add-on CD, albeit the rate for this CD is low.

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.

Rates on CD terms of one year or more are above average, though they’re not very competitive among online banks.

Pros

  • Checkmark

    The bank offers a broad range of deposit terms.

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    NBKC’s minimum opening balances are low.

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    There’s an add-on CD option.

Cons

  • You can get higher yields at other banks.

  • CD terms of three and six months and the add-on CD have much lower yields than the other terms offered.

Compare Offer
Bank logo
Member FDIC
CD
5.00
%
APY
Rating: 4.9 stars out of 5
Info
$0
Min. deposit
11 mo
Term
View offer Arrow Right

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.

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.

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.