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nbkc Review

Checking & savings in one easy-to-use account

Reviews 927
nbkc bank
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nbkc bank
nbkc bank
Excellent
Reviews 927
Bestmoney Staff
Jul. 31, 2024
3 min read
BestMoney Staff
nbkc bank Summary
nbkc bank is a community bank located in Kansas City, Missouri, and services all 50 states with an online branch. nbkc offers a range of traditional banking services, including checking and savings accounts, loans, and home mortgage loans. nbkc customers may open a checking account, savings account, or a combination of both. Opening an account is quick and easy, with no minimum balance and virtually no fees other than some wire transfers.

Pros

  • Checking or savings account or both
  • No monthly fees
  • Almost zero fees overall

Cons

  • Mobile app has room for improvement
  • Lacks a few advanced features

nbkc bank at a glance

8.8
Editorial score

Fees?

No fees at all
10.0

Security

FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication
10.0

Customer service

Customer service during extended business hours
6.0

Online experience

Excellent user friendly site with transparency of rates and full online banking capabilities
10.0

Mobile experience

User friendly mobile app that offers most mobile banking features, may not be available on all devices
8.0

Review-NBKC

nbkc bank nbkc bank Visit nbkc

Advantages Over Regular Bank 

nbkc offers several advantages over traditional banks, including greater transparency. With regular banks, there are often dozens of charges hidden in the fine print. nbkc offers most of their services for free, but when they do charge for something (such as a wire transfer) they are upfront and transparent with their fees.

Some of the best reasons to choose nbkc over a regular bank:

  • Open a bank account in minutes from the comfort of your computer or phone.
  • Full online access to banking services.
  • Customer service from professional support staff over the internet or phone.
  • No fees, with the exception of outgoing domestic wires and incoming/outgoing international wires.

Cutting-Edge Banking Services

Truth be told, nbkc doesn’t offer many features beyond those you’d expect to find at a regular bank. For example, it doesn’t offer support for check scanning or other types of innovative features found at rival online banks.

Here are some of the features you can get with nbkc’s online banking:

  • Synchronize your checking and savings accounts and easily move money between them.
  • Pay people with free in-app Person to Person payments
  • Pay bills and set up recurring payments at no charge.
  • Customer support in-branch, over the phone and online.

Traditional Banking Services

nbkc’s strength is offering traditional banking services online. With nbkc, you not only have somewhere to deposit, store, and withdraw money at no cost, but you also get access to a variety of loan and mortgage products. This blend of traditional and online services makes nbkc one of the best online banks options available.

These are nbkc’s top traditional banking services:

  • Personal bank accounts with the option of checking and savings accounts.
  • Business bank accounts, with no transaction fees, no restrictions or limits, and no fees for mobile deposit or bill pay.
  • Variety of loan options, including personal loans starting from $5,000, home equity lines of credit, auto loans, bridge, and lot loans.
  • Home mortgage loans, with choice of 30-year fixed, 15-year fixed, and 5/1 ARM.
  • Personal and IRA CDs, including 12-month starter CDs, with deposits from as little as $25 or term CDs from $1,000.
  • Access to 32,000+ MoneyPass® ATMs in the United States and Puerto Rico, free of charge.

Interest Rates and Fees 

nbkc offers 2 types of personal bank accounts. The nbkc Everything Account is a personal checking and savings in one account with unlimited transactions and a 0.25% APY. The nbkc Personal Money Market account is a savings account with up to 6 withdrawals/debits per month, and an APY of 0.40%. nbkc allows customers the option of opening both accounts and moving money freely between them.

Overall, nbkc’s rates are very competitive in comparison to other online banks. Their APYs, or annual percentage yields, are much better than the national average of 0.10% APY across the more than 73,000 financial institutions surveyed by S&P Global Market Intelligence’s RateWatch.

One of the best things about nbkc is the almost total absence of any fees. In fact, nbkc even appears to beat many of its fellow online banks with its zero fees for things like receiving a box of checks or ordering a stop payment. A $5 deposit is required to open an account, but there are no minimum balance requirements.


nbkc Fees

ServiceFee
nbkc debit card$0
Box of checks$0
Overdraft/non-sufficient funds$0
Bill pay$0
Deposit checks$0
Talk to a banker$0
eStatements$0
Cashier’s checks$0
Stop payments$0
Incoming domestic wires$0
Send domestic wires$5
Send/receive international wires$45
MoneyPass ATMs$0
Third-party ATMsUp to $12 in monthly refunds

Customer Service 

nbkc has offices in and around the Kansas City metropolitan area, but there’s no need to go there. Anyone can open a bank account with nbkc, provided they live in the United States or its territories. Customer support staff can be reached via live chat or phone during business hours.

Phone: 888-905-2165

HQ: 8320 Ward Parkway Kansas City, MO 64114

Mobile Apps

nbkc offers an app for iOS and Android that has many but not all of the same features as online banking. Mobile users can access the app to check their balance, view transactions, make mobile deposits, and create or cancel funds transfers.

Security

On its website, nbkc offers free tips on how to keep your online bank account secure and safe at all times. Customers are required to use multi-factor authentication to log into their accounts when completing high-risk transactions. nbkc is insured with the federal government’s Federal Deposit Insurance Corporation, with deposit insurance up to $250,000 per depositor.

Conclusion

If you’re looking to do all your banking online with minimal fees, nbkc is a solid option. nbkc perhaps offers fewer features than some other online banks, but it does traditional banking very well. With nbkc, it takes around 5 minutes to open an account from your computer, with very little paperwork. Once you’re in, you get access to a whole range of services. These services include checking and savings accounts with competitive APYs, free withdrawals from more than 32,000+ ATMs around the US, and a range of loans and home mortgage loans.

nbkc bank nbkc bank Visit nbkc

BestMoney Staff
Written by
Bestmoney Staff
The BestMoney.com editorial team is composed of writers and experts covering a full range of financial services. Our mission is to simplify the process of selecting the right provider for every need, leveraging our extensive industry knowledge to deliver clear, reliable advice.
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