Pros Explained

• Maintenance-fee-free deposit accounts: NBKC Bank's two deposit accounts are, for the most part, lacking common fees. There are no monthly account fees, or fees for money orders, returned items, and stop payment orders. There is also no minimum balance requirement. It does, however, charge fees for most wire transfers.
• Up to $12 a month in ATM fees reimbursed: The bank doesn’t charge ATM fees. An attractive perk is that account holders are reimbursed up to $12 a month for out-of-network ATM fees.
• Competitive interest rates on deposit accounts: NBKC Bank’s checking account offers a competitive interest rate of 1.75%. While NBKC doesn’t currently offer a dedicated savings account, its 澳洲幸运5官方开奖结果体彩网:money market account boasts a 3.00% 澳洲幸运5官方开奖结果体彩网:annual percentage yield (APY).

Cons Explained

• Limited brick-and-mortar locations: NBKC Bank only has four locations and they’re all in the Kansas City area. If you’re looking for a bank with a large physical footprint, you might want to consider a different financial institution.
• The site does not disclose any information about their CD products' terms and fees — all that is disclosed is the CD rates: While NBKC's website discloses information about other products' terms, fees, and features, the only information disclosed about the firm's certificate of deposits products is the rate for each term length.

Who Is NBKC Bank Best For?

is a solid choice that, for the most part, offers 𒁏fee-free checking and money market accounts. It’s particularly ✃worth considering if you:

• Are comfortable with banking online
• Don’t need to visit a physical branch 
• Don’t want to worry about maintaining account minimums
• Are looking for a low-cost bank account with strong customer service

What Does NBKC Offer?

• Checking account
• Money market account 
• CDs
• Credit cards

Checking Account

Known as the “Everything Account,” NBKC Bank’s checking account boasts a 1.75% APY, which is higher than the national average. Plus, there are no monthly account🐟 fees, overdraft fees, or charges for stopped payments🌠 or returned items.

You can access your money with more than 90,000 ATMs in the MoneyPass and Allpoint networks. What’s particularly nice about NBKC’s checking account is that you g♚et ๊up to $12 of non-network ATM fees reimbursed each month. There is no minimum deposit.

Money Market Account

While NBKC doesn’t offer a savings account, you can squirrel away funds in its money market account. There is no minimum to open an account, which makes it accessible and on par with a traditional savings account. The current rate is 3.00%.

NBKC’🧸s money market account features the same benefits as its checking account—no fees for✃ the most part.

CDs

With an NBKC CD, you can earn a little more than putting that money into a regular checking account. CDs in general feature higher interest rates and the longer the term, the more you earn in interest. For shorter terms (6 month, 7 month, 11 month, and 1 year), CDs require a minimum deposit of $1,000. For l⛎onger terms (2-5 years), they require a minimum deposit of $250. All standalone CDs can be opened online.♚

Interest rates for ཧCDs range between 3.25% and 4.30% and terms from six months to five years. The rates are as🏅 follows:

Besides information on rates, NBKC's site doesn't disclose any information about CDs. To understand fees, schedules, and other features for this type of product, you should contact NBKC's customer service.

Credit Cards

NBKC Bank has partnered with Elan Financial Services to offer a variety of personal and business credit cards, including cash-back bonus credit cards and a secured credit card:

Consumer Credit Cards 

• NBKC Visa Signature Everyday Rewards+ Card
• NBKC Visa Signature Max Cash Preferred Card
• NBKC Visa Platinum Card
• NBKC Visa Max Cash Secured
• NBKC Visa Signature College Real Rewards Card
• NBKC Visa Travel Rewards+ Card
• NBKC Visa Reserve Rewards+ Card
• NBKC Visa Secured Card

Business Credit Cards 

• NBKC Visa Business Real Rewards Card
• NBKC Smart Business Rewards Visa Signature Card
• NBKC Visa Business Cash Preferred Card
• NBKC Visa Business Card

Other Financial Products Offered By NBKC Bank

NBKC also 💖has a wide array of other offerings including: 

• Mortgages 
• Mortgages refinancing
• VA mortgages 
• 澳洲幸运5官方开奖结♚果体彩网:Home equity lines of𓃲 credit (HELOCs)
• Personal loans 
• Car loans 
• Motorcycle, RV, and boat loans 
• Bridge and lot loans 
• IRA CDs 
• Home construction loans
• Business loans

NBKC Customer Service

If you need to report a lost or stolen card, you can reach out to NBKC customer service 24/7, 365 days a year. General account support and mortgage services support is available weekdays from 8 a.m. to 5 p.m. CST, deposit customer support is available from 7 a.m. to 6 p.m., and home loans support is available weekdays from 8 a.m. to 7 p.m. CST. You ♈can also send an email with any questions.

If you live in the Kansas City area, you can stop by one of NBKC’s four▨ physical branches.

How to Bank With NBKC

To open an account, you can either visit a branch or apply online. According to the bank's website, the process might take only a few minutes.  

The standard requirements apply. You’ll need to be at least 18 years old, a U.S. citizen, and have a Social Security number and government-issued ID on hand. To verify your identity, NBKC does perform a 澳洲幸运5官方开奖结果体彩网:soft pull on your credit when you apply. 

Methodology

Investopedia is dedicated to providing consumers with unbiased, comprehensive reviews of banks. We collected more than 20 data points across more than 80 banks including products available, interest rates, fees, and accessibility to ensure that our content helps users make the right decision for theirౠ savings and banking needs.