NBKC Bank Review – Solid APYs, Lower Fees

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Overall rating

Pros and cons

The NBKC Everything AccountThis account is a combination checking/savings account which pays 1.26% APY for your entire balance. To earn interest, you don’t have to meet any requirements.

It might be that you find it easier to manage your finances by keeping your spending and savings in one account. You can also create an individual account. savings goalsTo track your progress and avoid dipping into your savings, you can use your account to add “Emergency Fund”, or “New Car” as an option.

However, you may not like the way the overdraft rules have been set up. NBKC does not charge overdraft fees. NBKC will simply deny your transaction if your purchase would exceed your account’s limits. This could put you in a difficult spot if you are not careful. Not requiredTo overdraw funds but not have the option.

NBKC Bank offers a variety CDs. However, the minimum opening deposit varies depending upon the term. Other online banks may offer higher interest rates.

NBKC allows you to open an additional Add-to StarterCD. Once you have opened your main CD you can add a one-year StarterCD with no opening deposit. Then, continue depositing money into it throughout the entire year.

The following account is available for you if you are looking for a money-market account. NBKC Money Market AccountThis is a solid option. This account pays a solid return and, unlike most banks, NBKC doesn’t require a minimum opening deposit.

A money market account is more appealing than a traditional savings account because it makes it easier to access your money. NBKC will send you both a paper check and a debit card, making it easy to access your savings.

How NBKC Bank works

NBKC is an online bank. However, you can still bank in person if your home is near a branch in Kansas City, Missouri. Access to more than 34,000 MoneyPass ATMs is free. If you use an ATM outside of your network and the provider, charges a feeNBKC will reimburse you up to $12 per calendar month.

There aren’t many online reviews for the NBKC app mobile app. The app has received 4.5 stars in Apple’s store and 4.2 stars in Google Play.

Customer support can be reached Monday through Friday between 8 a.m. and 5 p.m. Central Standard Time. NBKC does NOT offer customer service on weekends. There is also no live online chat.

All of your deposits are FDIC-insuredYou can get up to $250,000 for a single account or $500,000 for the joint account.

Trustworthiness of NBKC and BBB rating

The Better Business Bureau offers NBKC Bank an A+ rating. A high BBB score is a sign that a company is honest with its advertising, transparent about business practices, responds effectively to customer complaints, and is transparent with them.

NBKC has no public scandals at the moment. You may feel comfortable banking with NBKC due to its clear history and high BBB score.

NBKC Bank review vs. Ally review

NBKC AllyBoth give you the ability set and name savings goals. You might prefer NBKC if you want to keep everything in one account.

If you are looking for a decent rate of interest on your checking account, NBKC might be a better choice. Although Ally pays interest on your checking accounts, it may not pay as much as the other options. NBKC Everything Account pays.

However, Ally has excellent customer service. Live representatives are available 24/7 via chat or phone. The mobile app is very robust and includes mobile check deposit and ATM locator.

Review of NBKC Bank vs. Capital One

Capital OneCapital One doesn’t offer a money markets account. You’ll want to use NBKC if you need one. Capital One does not pay interest on your checking account as high as NBKC, but it does pay interest.

Capital One allows you to open separate savings and checking accounts for minors. This is a different bank from NBKC.

Capital One is another option if you are looking for more customer service options. You can chat with a live representative online or call them during business hours.

Frequently Asked Questions