At a glance

4.2

Bankrate Score

CDs

Checking

MMA

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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. NBKC also offers CDs and a money market account that earn yields well above national averages.

Highlights

No Monthly Fees
ATM Fee Refunds

Overall

NBKC offers a checking account that earns a highly competitive yield, and rates on its other deposit accounts are well above national averages. No monthly service fees are charged, and accounts can be opened online or at the bank’s branches in the Kansas City area.

Pros

NBKC offers competitive yields on some deposit accounts.
It doesn’t charge fees for overdrafts.
The minimum deposit required to open a CD is low.
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.

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NBKC Bank banking products

4.7

Bankrate Score

Compare top CD rates

FEATURES

NBKC Bank CD overview

NBKC offers a broad range of terms for both its standard and IRA CDs. The standard CD terms range from six months to five years, while the IRA CD terms range from three months to five years. For both types of CDs, shorter terms require a minimum deposit of $1,000, while longer terms require a lower minimum amount of $250.

The standard CDs with irregular terms of seven, 11 and 15 months earn high yields, while most of the others earn yields well above national averages. The IRA CDs, on the other hand, earn yields that are much lower.

Pros

The bank offers a broad range of deposit terms.
NBKC’s minimum opening balances are low.

Cons

You can get higher yields at other banks.

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NBKC Bank money market overview

The yield on an NBKC money market account, while decent, is lower than what you can find at some other banks, although there is no monthly fee or minimum balance requirement. You can get a debit card for the account, too.

Although it’s part of the MoneyPass ATM network, NBKC reimburses up to $12 per month in out-of-network ATM fees.

Pros

The account comes with an optional Mastercard debit card.
There is no monthly fee or minimum deposit requirement.
Up to $12 in out-of-network ATM fees are reimbursed each month.

Cons

You can find other banks that pay higher yields.

4.8

Bankrate Score

Compare top checking rates

NBKC Bank checking overview

With NBKC’s interest-bearing checking account, you won’t pay a monthly fee. The yield on this account is very competitive, much higher than what’s offered at other banks. 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. Plus, out-of-network ATM fees are reimbursed by up to $12 per month.

The account also pairs with digital budgeting features to help you know where your money is going. Some features include the ability to set savings goals, a financial snapshot showing how you spend your money and auto pay for bills.

Pros

There are no overdraft fees.
There is no minimum opening deposit requirement.
The bank offers digital budgeting tools, such as expense tracking and auto bill pay.
The account earns interest at a rate much higher than what most interest-bearing accounts pay.

Cons

Zelle is not available for customers.

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Bank fees

Fee	Charged?
Overdraft fee	None
Non-sufficient funds fee	None
Monthly maintenance fee	None
Out-of-network ATM fee	None
Excessive transaction fee	None

Find out: Tips to avoid common bank fees

Customer experience

Customer support

Branch availability: NBKC offers four branches in the Kansas City area as well as access to more than 37,000 ATMs through the MoneyPass network.

Customer service: Deposit account holders can receive support over the phone Monday through Friday from 8 a.m. to 7 p.m. CT. Online chat support is also available during the same hours on the bank’s website.

Digital experience

While NBKC 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 from 8 a.m. to 7 p.m. CST, weekdays.

Highly rated mobile app: The NBKC mobile app receives favorable ratings on iOS and Google Play. Users can set savings goals and get an overall view of their finances by linking external accounts.

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.

How NBKC Bank compares to other banks

Compare different account types offered by NBKC Bank. Annual percentage yields (APYs) shown were updated between May 6, 2024 and May 12, 2024.

Selected bank NBKC Bank CD Member FDIC Bankrate score Rating: 4.7 stars out of 5 4.7 Bankrate CD rating = 4.7/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score.	Most comparable EverBank (formerly TIAA Bank) CD Member FDIC Bankrate score Rating: 4.6 stars out of 5 4.6 Bankrate CD rating = 4.6/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. Read review	Bankrate score Bankrate CD rating Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. Read review
APY APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between May 6, 2024 and May 12, 2024.
5.40%	5.05%
Minimum deposit
$1,000.00	$1,000.00
Term
11 mos	9 mos

NBKC offers a broad range of terms for both its standard and IRA CDs. The standard CD terms range from six months to five years, while the IRA CD terms range from three months to five years. For both types of CDs, shorter terms require a minimum deposit of $1,000, while longer terms require a lower minimum amount of $250. The standard CDs with irregular terms of seven, 11 and 15 months earn high yields, while most of the others earn yields well above national averages. The IRA CDs, on the other hand, earn yields that are much lower.	TIAA Bank is now EverBank. The bank has CD terms ranging from three months to five years. Its CDs require a $1,000 minimum opening deposit.

The bank offers a broad range of deposit terms NBKC’s minimum opening balances are low	EverBank offers competitive yields on its CDs.	N/A
You can get higher yields at other banks	Some banks have lower minimum opening deposit requirements. No IRA CDs are offered.	N/A

NBKC Bank vs. Axos Bank

Axos Bank generally has a wider range of financial products and services, including offering a savings account where NBKC does not. As such, Axos Bank may be the better choice for someone looking to consolidate their finances — which could include their investment portfolio at Axos — under one roof.

That noted, NBKC offers much higher yields on its CDs and its money market account, which makes NBKC a better choice if you’re just looking for high APYs. Moreover, NBKC’s checking account offers a robust APY (which isn’t the norm for these types of accounts) with no strings attached. In contrast, to earn Axos Bank’s top yield on its checking account, you must sign up for direct deposit and add a loan payment and investment accounts.

Learn more: The best banks of 2024

NBKC Bank FAQs

NBKC is best for consumers who live in the Kansas City area, where NBKC’s branches can be found. For customers who live outside of that area, it’s best for those who are comfortable completely banking online. Without a savings account, though, it’s not the best option for someone looking to consolidate their finances under one roof.
Yes, NBKC is insured by the FDIC up to the limit allowed by law: $250,000 per depositor, per account.
No, NBKC Bank does not use Zelle.

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.

NBKC Bank Review 2024

The Bankrate promise

At a glance

Overview

Highlights

Overall

Pros

Cons

We want to know what you think about NBKC

NBKC Bank banking products

NBKC Bank CD overview

Pros

Cons

NBKC Bank money market overview

Pros

Cons

NBKC Bank checking overview

Pros

Cons

Bank fees

Customer experience

Customer support

Digital experience

About NBKC Bank

How NBKC Bank compares to other banks

NBKC Bank vs. Axos Bank

NBKC Bank FAQs

Who is NBKC Bank best for?

Is NBKC Bank safe?

Does Zelle work with NBKC?

Review methodology

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