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 Bank’s product offerings

NBKC currently offers the following products:

• Checking/savings account: The NBKC Everything account allows customers to spend and save money with one account, all while earning 1.75% APY. This combination checking and savings account is ranked as one of the 10 best free checking options available today. It also comes with several perks, including the ability to create savings goals for future expenses, and track your progress and spending along the way.

• Money market account: Savers can take advantage of NBKC’s money market account, which doesn’t charge any fees and has a minimum balance requirement of just $0.01 to earn interest on your balance.

• Certificates of deposit (CDs): 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 with some terms requiring a lower minimum deposit of $250.

• Mortgages: Homebuyers and owners can benefit from NBKC Bank’s mortgage offerings, which include conventional loans, VA or FHA loans, refinancing options, and home equity loans.

• Lending services: NBKC also offers other types of financing options including auto loans, personal loans, bridge and real estate loans, and land loans.

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NBKC fees

NBKC Bank charges few fees. As a customer, here's what can expect to pay for certain banking services:

• Monthly maintenance fee: $0

• Outgoing domestic wire: $5

• Incoming and outgoing international wires: $45

• ATM fee (out of network): $0

• Overdraft fee: $0

• Returned item fee: $0

• Stop payment fee: $0

Pros and cons of NBKC Bank

There are a few major perks and drawbacks customers should be aware of before deciding to bank with NBKC.

Pros

• Offers ATM reimbursement. NBKC customers have free access to more than 32,000 ATMs nationwide through the MoneyPass ATM network. The bank will also reimburse up to $12 per month for ATM fees charged at out-of-network ATMs.

• Low minimum balance requirements for the Everything and money market accounts. 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.

Cons

• 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 as a feature. NBKC Bank is not currently on the Zelle network.

• No individual checking and savings account options. NBKC only offers a combination checking and savings account; it does not offer individual accounts for customers who only need one of those products.

Customer service and mobile banking experience

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 4.4 and 4.3, respectively. Customers can use the app to move money between accounts, set savings goals, deposit checks, check balances, and more.

NBKC Bank's social and environmental impact

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 its redesign of its Leawood branch. The shared space features a retail shop showcasing accessories, home goods, and artwork from local artists and small businesses.

NBKC Bank FAQs

Does NBKC offer FDIC insurance?

Yes, NBKC’s deposit accounts are FDIC-insured up to the federal limit of $250,000 per depositor, per institution, per ownership category.

Is NBKC a real bank?

Yes, NBKC is a legitimate and reputable bank. It was founded in 1999 and is an FDIC-insured institution.

Does NBKC have an app?

Yes, NBKC Bank offers a mobile app that's available for download in the Apple Store and Google Play.

Is NBKC online only?

NBKC Bank operates primarily online. However, if you live in the Kansas City, Missouri area, you can visit a physical branch.

Who owns the NBKC Bank?

NBKC is owned by Ameri-National Corporation.