| 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 |
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 Highlights
APY SAVINGS
0.15% - 1.01%
APY CHECKINGS
Min 1.26%
ATM NETWORK
34,000+ in-network atms
OTHER FEES
Yes
Pros & Cons
- Various accounts, including the Everything Account (Checking + Savings), Money Market Account, and Savings Goals Account
- 34,000+ fee-free ATMs nationwide
- Inexpensive account options
- High APY for savings accounts
- $12 reimbursement for out-of-network ATM usage
- Not many bank account options available
- Only four physical locations
Account Type
- Checking
- Savings
- Certificates of Deposit (CD)
- Money Market Deposit Account (MMDA)
NBKC Bank Checking Highlights
DEPOSIT AMOUNT
No minimum
APY
Min 1.26%
NBKC Bank Savings Highlights
DEPOSIT AMOUNT
No minimum
APY
0.15% to 1.01%
APYs
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 |
|
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 |
|
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 |
|
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 |
|
| Personal IRA Savings |
|
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
Step 1
Get started
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
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.
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.
Phone Support
(888)-905-2165
Mon-Fri
8am-5pm CST
Sat-Sun
Closed
Email Support
customersupport@nbkc.com
Social Media
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.
FAQ
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.
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.
You’ll typically need a driver’s license or state ID, a valid passport, and proof of your current address.
NBKC Bank 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.
Disclosure
This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website (though we may also review brands we are not engaged with). These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table, or according to other formula in the event specifically detailed by us. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.
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.
8.0
LS SCORE
10
CREDIBILITY
6.0
SUPPORT
8.0
ACCESSIBILITY
Opening Hours
Mon-Fri
8am-5pm CST
Sat-Sun
Closed
Email Support
customersupport@nbkc.com
Social Media
Live Chat
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