NBKC Bank review (2025): Simplify your financial life with convenient, fee-free online banking

Yahoo

5 days ago

Summary: NBKC is a Kansas-based online bank that offers consumer banking products such as CDs, money market accounts, and a combination checking and savings account. NBKC Bank provides products and services to individual, business, and fintech customers and is an established lender offering a wide range of loan products, including mortgages, personal loans, and auto loans.
NBKC offers a combination checking and savings account that allows customers to spend and save money with one account. Customers can set up autopay for their regular bills, create savings goals for future expenses, and track their progress and spending along the way. This account currently offers an annual percentage yield (APY) of 1.75%.
NBKC's money market account doesn't charge any fees and has a minimum balance requirement of just $0.01 to earn interest on your balance.
NBKC's CD terms range from seven months to five years and require a minimum opening deposit of $250 or $1,000, depending on the term you choose. It also offers personal IRA CDs.
Homebuyers and owners can benefit from NBKC Bank's mortgage offerings, which include conventional loans and VA loans, refinancing options, and home equity loans.
NBKC also offers other types of financing options like auto loans, personal loans, bridge loans, and land loans.
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NBKC doesn't charge many fees, but here's a closer look at the account fees NBKC customers can expect to pay:
Outgoing domestic wire: $5
Incoming and outgoing international wires: $45
There are a few major perks and drawbacks customers should be aware of before deciding to bank with NBKC.
Offers ATM reimbursement: NBKC customers have free access to more than 90,000 ATMs worldwide, and the bank will reimburse up to $12 per month for out-of-network ATM fees.
Low minimum balance requirements for checking/savings and MMA: NBKC does not require a minimum opening deposit for its Everything and money market accounts, and the minimum to earn interest on those balances is $0.01.
No monthly fees: NBKC does not charge any monthly maintenance fees for its deposit accounts.
Short-term CDs require $1,000 to open: NBKC's CDs offer competitive rates, but CD terms of a year or less require a $1,000 deposit to open an account. This is on the higher end compared to other banks.
Doesn't offer Zelle: NBKC Bank is not currently on the Zelle network.
No standalone checking pr savings accounts: NBKC only offers a combination checking and savings account; it does not offer standalone accounts for customers who only need one of those products.
NBKC Bank representatives are available via telephone Monday through Friday between 7 a.m. and 6 p.m. CST. Live chat is available Monday through Friday from 7 a.m. to 6 p.m. CST and Saturday from 9 a.m. to 1 p.m. CST. NBKC also offers customer support via email.
To report a lost or stolen debit card, representatives are available 24/7. To inquire about an online account application, representatives are available Monday through Friday between 8 a.m. and 5 p.m. CST.
Home loans support specialists are available Monday through Friday from 8 a.m. to 7 p.m. CST, and for any questions related to NBKC mortgages, support is available Monday through Friday between 8 a.m. and 5 p.m. CST.
NBKC's mobile app is available for download on the Apple App Store and Google Play and has a rating of 4.5 and 4.4, respectively. Customers can use the app to move money between accounts, set savings goals, deposit checks, check balances, and more.
NBKC encourages its customers to donate to worthy causes by partnering with Spiral, a donation platform that streamlines charitable contributions. Customers can submit donations directly from their online banking account and will receive annual tax paperwork detailing their monetary gifts.
Previously, NBKC Bank partnered with Shop Local KC in the redesign of its Leawood branch. The shared space features a retail shop showcasing accessories, home goods, and artwork from local artists and small businesses.
Yes, NBKC's deposit accounts are FDIC-insured up to the federal limit of $250,000 per depositor, per institution, per ownership category.
Yes, NBKC is a legitimate and reputable bank. It was founded in 1999 and is an FDIC-insured institution.
Yes, NBKC Bank offers a mobile app that's available for download in the Apple Store and Google Play.
NBKC Bank operates primarily online. However, if you live in the Kansas City, Missouri area, you can visit a physical branch.
NBKC is owned by Ameri-National Corporation.