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How NBKC accounts compare
Editor’s Rating
Editor’s Rating
Editor’s Rating
Overall bank rating
Pros and cons
Annual Percentage Yield (APY)
1.26%
Minimum Deposit Amount
$0
Annual Percentage Yield (APY)
1.26%
Minimum Deposit Amount
$0
Details
Annual Percentage Yield (APY)
1.26%
Minimum Deposit Amount
$0
Pros & Cons
Highlights
The NBKC Everything Account is a hybrid checking/savings account that pays 1.26% APY on your entire balance. You don’t need to meet any qualifications to earn interest.
You might find that keeping your spending and saving money all in one account simplifies your finances. You can also set up individual savings goals in your account, like “Emergency Fund” or “New Car” to track your progress and keep yourself from dipping into your savings.
You may or may not like how the overdraft rules are set up, though. On the plus side, NBKC doesn’t charge overdraft fees. If your purchase would overdraw your account, NBKC will just deny the transaction. However, this could put you in a tough spot if you need to overdraw funds but don’t have the option.
NBKC Certificate of Deposit
Annual Percentage Yield (APY)
0.10% to 3.04%
Minimum Deposit Amount
$250 to $1,000
NBKC Certificate of Deposit
Annual Percentage Yield (APY)
0.10% to 3.04%
Minimum Deposit Amount
$250 to $1,000
Details
Annual Percentage Yield (APY)
0.10% to 3.04%
Minimum Deposit Amount
$250 to $1,000
Pros & Cons
Highlights
Additional Reading
NBKC Bank has a variety of CDs, but the minimum opening deposit varies depending on the term you choose. You also can find higher interest rates at other online banks.
NBKC also lets you open an additional Add-to Starter CD. Once you’ve opened your main CD, add a one-year Starter CD with no opening deposit and continue to deposit money into it throughout the year.
NBKC Money Market Account
Annual Percentage Yield (APY)
1.51%
Minimum Deposit Amount
$0
NBKC Money Market Account
Annual Percentage Yield (APY)
1.51%
Minimum Deposit Amount
$0
Details
Annual Percentage Yield (APY)
1.51%
Minimum Deposit Amount
$0
Pros & Cons
Highlights
If you’re looking for a money market account, the NBKC Money Market Account is a strong option. This account pays a solid interest, and unlike many banks, NBKC doesn’t require a minimum opening deposit.
The main appeal of a money market account over a traditional savings account is that it typically makes it easier to access your money than a savings account does. NBKC sends you both a debit card and paper checks, making it especially easy to tap into your savings.
How NBKC Bank works
NBKC is an online bank, but you can bank in person if you live near a branch near Kansas City, Missouri. You have free access to over 34,000 MoneyPass ATMs. If you use an out-of-network ATM and the provider charges a fee, NBKC will reimburse up to $12 per month.
The NBKC mobile app doesn’t have many online reviews yet. So far, the app has received 4.5 out of 5 stars in the Apple store, and 4.2 out of 5 stars in the Google Play store.
You can call customer support Monday through Friday, 8 a.m. to 5 p.m. CST. NBKC doesn’t offer customer support on weekends, and there’s no live online chat feature.
All of your deposits are FDIC-insured for up to $250,000, or $500,000 for a joint account.
NBKC trustworthiness and BBB rating
The Better Business Bureau gives NBKC Bank an A+ rating. A great BBB score signals that a company is honest in its advertising, is transparent about business practices and responds effectively to customer complaints.
NBKC doesn’t have any current public scandals. Between the clear history and strong BBB score, you may decide you’re comfortable banking with the company.
NBKC Bank review vs. Ally review
NBKC and Ally both give you the ability to set and name savings goals. Ally has a separate savings and checking account, so if you prefer to keep it all in one account, then you might like NBKC.
You also might prefer NBKC if earning a decent interest rate on your checking balance is important to you. Ally pays interest on your checking account, but it may not be as high as what the NBKC Everything Account pays.
Ally does have good customer service, though. You can contact a live representative 24/7, either over the phone or via online chat. Its mobile app is also very robust, with mobile check deposit and ATM locator features.
NBKC Bank review vs. Capital One review
Capital One doesn’t have a money market account, so you’ll want to go with NBKC if having a money market account is important to you. And although Capital One pays interest on your checking account, it isn’t as high as what NBKC pays.
Unlike NBKC, Capital One lets you open separate checking and savings accounts for minors, so it could be a good bank for families.
You also may prefer Capital One if you want more customer service options. Its phone hours are extensive, and you can chat online with a live representative 24/7.
Frequently asked questions
NBKC is an online bank. It also has four branches near Kansas City, Missouri.
Yes, the bank is FDIC-insured. Up to $250,000 per depositor is secure in a bank account.
Top Offers From Our Partners
Wealthfront Cash Account
A high-yield cash account that earns 3.30% annual percentage yield. No account fees. APY as of 11/14/2022.
Related Post
Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.
How NBKC accounts compare
Editor’s Rating
Editor’s Rating
Editor’s Rating
Overall bank rating
Pros and cons
Annual Percentage Yield (APY)
1.26%
Minimum Deposit Amount
$0
Annual Percentage Yield (APY)
1.26%
Minimum Deposit Amount
$0
Details
Annual Percentage Yield (APY)
1.26%
Minimum Deposit Amount
$0
Pros & Cons
Highlights
The NBKC Everything Account is a hybrid checking/savings account that pays 1.26% APY on your entire balance. You don’t need to meet any qualifications to earn interest.
You might find that keeping your spending and saving money all in one account simplifies your finances. You can also set up individual savings goals in your account, like “Emergency Fund” or “New Car” to track your progress and keep yourself from dipping into your savings.
You may or may not like how the overdraft rules are set up, though. On the plus side, NBKC doesn’t charge overdraft fees. If your purchase would overdraw your account, NBKC will just deny the transaction. However, this could put you in a tough spot if you need to overdraw funds but don’t have the option.
NBKC Certificate of Deposit
Annual Percentage Yield (APY)
0.10% to 3.04%
Minimum Deposit Amount
$250 to $1,000
NBKC Certificate of Deposit
Annual Percentage Yield (APY)
0.10% to 3.04%
Minimum Deposit Amount
$250 to $1,000
Details
Annual Percentage Yield (APY)
0.10% to 3.04%
Minimum Deposit Amount
$250 to $1,000
Pros & Cons
Highlights
Additional Reading
NBKC Bank has a variety of CDs, but the minimum opening deposit varies depending on the term you choose. You also can find higher interest rates at other online banks.
NBKC also lets you open an additional Add-to Starter CD. Once you’ve opened your main CD, add a one-year Starter CD with no opening deposit and continue to deposit money into it throughout the year.
NBKC Money Market Account
Annual Percentage Yield (APY)
1.51%
Minimum Deposit Amount
$0
NBKC Money Market Account
Annual Percentage Yield (APY)
1.51%
Minimum Deposit Amount
$0
Details
Annual Percentage Yield (APY)
1.51%
Minimum Deposit Amount
$0
Pros & Cons
Highlights
If you’re looking for a money market account, the NBKC Money Market Account is a strong option. This account pays a solid interest, and unlike many banks, NBKC doesn’t require a minimum opening deposit.
The main appeal of a money market account over a traditional savings account is that it typically makes it easier to access your money than a savings account does. NBKC sends you both a debit card and paper checks, making it especially easy to tap into your savings.
How NBKC Bank works
NBKC is an online bank, but you can bank in person if you live near a branch near Kansas City, Missouri. You have free access to over 34,000 MoneyPass ATMs. If you use an out-of-network ATM and the provider charges a fee, NBKC will reimburse up to $12 per month.
The NBKC mobile app doesn’t have many online reviews yet. So far, the app has received 4.5 out of 5 stars in the Apple store, and 4.2 out of 5 stars in the Google Play store.
You can call customer support Monday through Friday, 8 a.m. to 5 p.m. CST. NBKC doesn’t offer customer support on weekends, and there’s no live online chat feature.
All of your deposits are FDIC-insured for up to $250,000, or $500,000 for a joint account.
NBKC trustworthiness and BBB rating
The Better Business Bureau gives NBKC Bank an A+ rating. A great BBB score signals that a company is honest in its advertising, is transparent about business practices and responds effectively to customer complaints.
NBKC doesn’t have any current public scandals. Between the clear history and strong BBB score, you may decide you’re comfortable banking with the company.
NBKC Bank review vs. Ally review
NBKC and Ally both give you the ability to set and name savings goals. Ally has a separate savings and checking account, so if you prefer to keep it all in one account, then you might like NBKC.
You also might prefer NBKC if earning a decent interest rate on your checking balance is important to you. Ally pays interest on your checking account, but it may not be as high as what the NBKC Everything Account pays.
Ally does have good customer service, though. You can contact a live representative 24/7, either over the phone or via online chat. Its mobile app is also very robust, with mobile check deposit and ATM locator features.
NBKC Bank review vs. Capital One review
Capital One doesn’t have a money market account, so you’ll want to go with NBKC if having a money market account is important to you. And although Capital One pays interest on your checking account, it isn’t as high as what NBKC pays.
Unlike NBKC, Capital One lets you open separate checking and savings accounts for minors, so it could be a good bank for families.
You also may prefer Capital One if you want more customer service options. Its phone hours are extensive, and you can chat online with a live representative 24/7.
Frequently asked questions
NBKC is an online bank. It also has four branches near Kansas City, Missouri.
Yes, the bank is FDIC-insured. Up to $250,000 per depositor is secure in a bank account.
Top Offers From Our Partners
Wealthfront Cash Account
