NBKC Bank Review 2025
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At a glance
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. NBKC also offers CDs and a money market account that earn yields well above national averages. Unlike some of the nation’s top banks, NBKC doesn’t charge any monthly service fees.
Highlights:
ATM Fee Refunds No Monthly FeesHighlights:
CDs
Checking
MMA
Customer Experience
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
These are sponsored offers rated highly by us for competitive rates, fees, and minimums.
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 CD rating = 4.2/5
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 which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
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.
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.
NBKC pros and cons
Pros
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NBKC offers competitive yields on some deposit accounts.
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It doesn’t charge overdraft fees.
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The minimum deposit required to open any account 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
Pros
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The bank offers a broad range of CD deposit terms.
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NBKC’s minimum opening balances are low, especially compared to some competitors that require $500 or more.
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Competitive yields.
Cons
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CD early withdrawal fees, which are important to understand before opening an account, aren't listed anywhere on NBKC's website.
NBKC Bank money market overview
Pros
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The account comes with an optional Mastercard debit card.
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There is no monthly fee or minimum deposit requirement.
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Get reimbursed up to $12 each month for out-of-network ATM fees.
Cons
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You can find other banks that pay higher yields.
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Limited to six withdrawals per month.
NBKC Bank checking overview
Pros
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NBKC doesn’t charge overdraft fees, while most banks do, according to Bankrate’s 2024 checking account and ATM fee study.
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There is no minimum opening deposit requirement.
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The bank offers digital budgeting tools, such as expense tracking and auto bill pay.
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The account earns interest at a rate much higher than what most checking accounts pay.
Cons
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Unlike thousands of other banks, Zelle is not available for customers.
Customer experience
Branch availability. NBKC offers four branches in the Kansas City area as well as access to more than 90,000 ATMs through the Allpoint and MoneyPass networks.
Customer support. Deposit account holders can receive support over the phone Monday through Friday from 7 a.m. to 6 p.m. CST. Online chat support is also available during the same hours, plus Saturday from 9 a.m. to 1 p.m CST, on the bank’s website.
Digital experience.
Highly rated mobile app: The NBKC mobile app receives favorable ratings on iOS and Google Play. Users can set savings goals, pay bills and get an overall view of their finances by linking external accounts. But there's no peer-to-peer payment option (such as Zelle).
Mixed-bag website: NBKC's website is slick and easy to navigate, with robust FAQ sections on each account's informational page. However, key information is missing. For example, the MMA account's page doesn't state that you'll be limited to six withdrawals per month; you'll have to find NBKC's disclosure page, which isn't prominently linked, to learn that. Nor are certificate of deposit early deposit fees listed anywhere one Bankrate editor could locate.
Bankrate staff insight
"The NBKC Everything Account offers a lot of benefits over your traditional checking account. It earns interest and allows you to set goals and save money at the same time. The biggest benefit is that you can do your banking all in one, with a combined savings and checking account," said a Bankrate staff member who banks with NBKC. "Additionally, compared to other banks, the online interface for NBKC is top of the line, making it easy to navigate and find the tools you are looking for."
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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.
