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NBKC Bank

NBKC Bank Reviews

Inexpensive banking solution

Written by Angela Mae

About NBKC Bank | Read More

LS Score

Credibility

Support

Accessibility

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Opening Hours

Mon-Fri 8am-5pm CST

Sat-Sun Closed

Contact Information

customersupport@nbkc.com
(888)-905-2165
Headquarters: 8320 Ward Parkway Kansas City, MO 64114

Social Media

LS Score

Credibility

Support

Accessibility

Visit Site

Opening Hours

Mon-Fri 8am-5pm CST

Sat-Sun Closed

Contact Information

customersupport@nbkc.com
(888)-905-2165
Headquarters: 8320 Ward Parkway Kansas City, MO 64114

Social Media

NBKC Bank Online Banking Review

NBKC Bank offers a variety of deposit accounts, including checking, savings, and money market accounts, as well as a full suite of lending products, including mortgages, personal loans, and lines of credit. The bank also offers a variety of other services such as online banking, mobile banking, and a mobile app. With a focus on technology and customer service, NBKC Bank strives to provide its customers with a convenient and efficient banking experience.

NBKC Bank Online Banking Highlight

No minimum

Min Deposit

34,000+ in-network ATMs

ATM Network

Yes

Other Fees

Online Banking Savings

No minimum

Min Deposit

0.15-1.01%

Min APY Savings

Online Banking Checking

No minimum

Min Deposit

Min 1.26%

Min APY Checking

Pros & Cons

No account fees
34K+ No-fee ATMs
Good APY rates

Has only four branches
Limited account options

Account types

Checking
Savings
Certificates of Deposit (CD)
Money Market Deposit Account (MMDA)

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APY's

Account	Terms
CDs	0.10% for 3 months 0.10% for 6 months 2.53% for 1 year 2.78% for 2 years 3.04% for 3 years 3.04% for 4 years 3.04% for 5 years
Everything Account	1.26% APY
Personal Money market	1.51% APY

Features Benefits & Rewards

Convenient online transfers
Free ATMs (due to MoneyPass)
Tools to track expenses and goals
Mobile-friendly banking

Account Types

NBKC Everything Account

This unique account is essentially a combined checking and savings account. It serves the same function as both, but has all your account information in one convenient place.

The Everything Account doesn’t have any fees or minimum balance requirements. It can, however, earn interest on the account balance, so it pays to keep a higher balance.

Account Type	Key Features Bonuses
NBKC Everything Account	No fees, minimum balance, or deposit Dedicated Savings Goals section tied to the checking account Expense and income tracking tool Can earn up to 1.26% APY Debit card with access to 34,000+ ATMs $12 monthly reimbursement for using out-of-network ATMs

Personal Money Market

These high-yield savings accounts come with the best rates so you can boost your savings more quickly. The account comes with no fees.

Account Type	Key Features Bonuses
Personal Money Market	Can earn 1.51% APY No account fees

Certificates of Deposit (CDs)

NBKC Bank has several types of CDs, each with its own term and rate. To open a CD, you’ll need to make the minimum deposit, which varies based on the term. For example, a two-year term comes with a $250 minimum deposit. APYs range from 0.10% to 0.30%.

Account Type	Key Features Bonuses
CDs	Terms range from 3 months to 5 years 0.10% to 0.30% APY

Other NBKC Accounts

NBKC Bank also offers other accounts, including a Personal Health Savings Account and a Personal IRA Savings account. These accounts come with 0.25% APY. They are fee-free and have no minimum opening deposit.

Account Type	Key Features Bonuses
Personal Health Savings	Fee-free 0.25% APY
Personal IRA Savings	Fee-free 0.25% APY

Opening an Account With NBKC Bank

Opening an account with NBKC can be done entirely online, or at a physical location. The initial process for each account is the same, but later steps vary a little based on the account type.

To begin, go to NBKC’s main page. You’ll need to provide a valid email address and wait for NBKC to send a code to verify it. Once you’ve verified your email, you’ll move on to the next part of the application.

Choose the account type you want:

Checking Account
Money Market Account
CD

Then, follow the prompts to complete the application. For the Checking Account, fill out some basic information, including:

Your name
Address
Driver’s license information (unless you chose passport or state ID)
SSN
Date of birth
Income and employment information

From there, decide whether you want an individual or a joint account. Also, select whether you want a debit card.

Review the disclosures and, if everything looks good, click “Next” to find out if you’re approved or not.

State Availability

- Available in all states

Written by Angela Mae

Angela Mae is a personal finance writer specializing in loans, debt management, investing, retirement planning, and financial literacy. She comes from a journalistic background and pulls from hands-on experience and deep-dive research to breathe life into her stories. Her goal is to help others achieve financial stability and independence. When not writing, she can be found traveling, honing her yoga skills, hiking, or exploring new means of healthy, sustainable living.

FAQ’s

When are loan funds typically available?

After being approved for a loan, funds are typically available on or before the 5th business day. Larger amounts could take longer to show up in your account. If this happens, NBKC will send a written notice informing you of the delay.

What are some reasons why my account application was rejected?

NBKC Bank doesn’t always indicate why they refuse applications. However, one common reason is that you had a bank account at another financial institution that was forcibly closed or reported delinquent.

What do I need to open a personal bank account?

You’ll typically need a driver’s license or state ID, a valid passport, and proof of your current address.

Customer Support

There are several methods of contacting NBKC. Each support team has its own email address and phone number. There’s also an online form you can complete. And there’s a chatbot that can answer frequently asked questions. This chatbot can also connect you with a human banker.

The overall response times are fairly standard in the industry. For phone calls, you can typically expect a minimal wait time during non-peak business hours. Expect to wait up to a couple of business days when using the contact form or sending an email.

NBKC Bank has a somewhat mixed reputation online when it comes to customer support. On Trustpilot, they have 3.1 out of 5 stars with 29 reviews. Some negative reviews are due to less-than-ideal customer service. On BBB, NBKC has 4.85 out of 5 stars and is accredited with an A+ rating.

Privacy & Security

NBKC is very transparent about its privacy policy and the security measures it takes to protect customer data. The bank strives to keep information secure through various physical and digital safeguards (ex., multi-factor authentication).

Like other financial institutions, NBKC Bank collects two types of information: personal and non-personal. The former may include your name, driver’s license number, SSN, telephone number, and account details. Non-personal information includes data gained from navigating the website or app (ex., the type of computer operating system you use or IP address).

NBKC may collect personal information by registering for an account, completing an application, using cookies, etc. The bank mainly uses this information to improve its products and services. They may share certain information in compliance with state and federal law.

In Conclusion

With many financial services available, such as home loans, checking accounts, CDs, and credit cards, NBKC Bank is a good bank for those who want all their banking needs in one place. The bank even has an “Everything Account” that combines different products and services for maximum convenience.

The main drawback to NBKC is that their customer service is hit-and-miss. This may depend on the representative as well as the team you contact.

Brand Disclaimer

DISCLAIMER OF WARRANTIES YOU AGREE THAT YOUR USE OF MOBILE DEPOSIT AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF MOBILE DEPOSIT, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE MAKE NO WARRANTY THAT MOBILE DEPOSIT WILL MEET YOUR REQUIREMENTS OR WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. WE MAKE NO WARRANTY THAT THE RESULTS THAT MAY BE OBTAINED WILL BE ACCURATE OR RELIABLE OR THAT ANY ERRORS IN MOBILE DEPOSIT OR TECHNOLOGY WILL BE CORRECTED.