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North American Savings Bank (NASB) has been around since 1927 and still operates 11 physical branches in Missouri. These days, it offers online banking to residents of all 50 states, offering all the benefits of a regular bank and more.
Here are some of NASB’s highlights:
Although NASB charges a small monthly fee for its services, the cost is worth it for all the features you get.
Here are the top features you get with an NASB checking account:
As mentioned earlier, NASB started out as a regular bank in Missouri more than 90 years ago. It offers a wide range of traditional banking services online and through its mobile app.
NASB customers get to enjoy the following banking services:
NASB offers 3 types of checking accounts, each with a flat monthly fee. The good news for users of the Prosper and Advance accounts is that NASB waives your fee if you keep your balance above the designated monthly minimum. NASB charges fees for wire transfers, overdrafts, non-sufficient funds, and stop payment orders. Unfortunately, its website lacks updated information on these fees.
North American Savings Bank offers numerous accounts with APYs up to 0.50%. Additionally, NASB offers certificates of deposit at its physical branches in Missouri, with even highest APYs.
Prosper | Thrive | |
---|---|---|
Monthly Fee | $8 | $6 |
Min. Balance | $1,500 | $100 |
APY | 0.10-0.90% | No interest |
Digital Banking tools | ✓ | ✓ |
Additional features | ✓ | ✓ |
NASB has 11 physical branches on the Missouri side of the Kansas City area and ATMs on both sides of the Missouri/Kansas border. Customers in all other states can get support online, on NASB’s mobile app, by phone, and by live chat.
Phone: 800-677-6272 (or 816-316-4000 if calling from Kansas City area)
HQ: North American Savings Bank, 903 E. 104th Street, Suite 400, Kansas City, MO 64131
One of the best things about NASB is its mobile app, compatible with iOS and Android smartphones and tablets. The NASB mobile banking app contains most of the features of the desktop site, excluding account aggregation and the ability to edit your budget management.
Here’s what you get with the NASB mobile app:
NASB is insured by the FIDC, with standard $250,000 insurance for all customers. The NASB website contains a section with detailed answers on everything to do with privacy and security. NASB offers a multi-layered security tool for its internet banking and bill payment system. This tool monitors your account for any unusual activity, so be ready to answer validation questions when logging in from a computer NASB doesn’t recognize.
Overall, NASB offers an excellent range of online and mobile banking features. Online banking customers don’t get access to all the things that in-branch customers have access to, such as CDs. Despite this, NASB still offers more functionality than most other online banks. Perhaps the best thing about opening an NASB checking account is it gets you access to a whole range of third-party services. These include discounts from retailers, cell phone and identity theft insurance, roadside assistance, accidental death coverage, and health savings. All in all, NASB offers a more extensive list of features than most other online and mobile banks. This makes NASB one of the best online banking options available today.