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 = 4.4/5
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 = 4.7/5
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 = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
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
NBKC Bank CD overview
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
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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
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You can get higher yields at other banks.
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CD terms of three and six months and the add-on CD have much lower yields than the other terms offered.
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 = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
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
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.