NBKC Bank Review: Streamlined Banking for the Modern Customer

NBKC: High-yield Everything Account, vast ATM access, and no fees.

NBKC Bank Review: Streamlined Banking for the Modern Customer

NBKC Bank offers a forward-thinking approach to banking with its Everything Account, combining the best of checking and savings into one seamless package. Alongside, it provides competitive CDs and money market accounts, catering to a wide range of financial needs.


  • Everything Account: An innovative account with a 1.75% APY, no monthly fees, and no minimum deposit requirement, effectively blending checking and savings functionalities.
  • CDs and Money Market Accounts: Attractive interest rates for those looking to grow their savings over time.
  • ATM Network: Access over 37,000 MoneyPass ATMs nationwide, plus a $12 monthly reimbursement for out-of-network ATM fees.
  • Online Financial Management Tools: Features such as Savings Goals and Financial Snapshots to aid in budgeting and financial planning.


  • No Overdraft or Monthly Fees: Eliminates common banking charges, allowing for a more cost-effective management of funds.
  • High-Yield Interest: The Everything Account's competitive APY encourages saving by offering higher returns on your balances.
  • Convenient ATM Access: Extensive free ATM network and reimbursement policy ensure easy access to funds without additional costs.
  • Integrated Account Features: Simplifies banking by merging checking and savings capabilities, supported by helpful online tools for financial management.

Product Summary:

NBKC Bank's Everything Account revolutionizes the banking experience by merging the utility of checking and savings accounts into one product, enhanced by a competitive interest rate and the absence of typical banking fees. This, combined with its wide ATM access and innovative online tools, positions NBKC as an attractive option for those prioritizing flexibility, efficiency, and high-yield savings. While its branch network is limited and customer service hours are not round-the-clock, NBKC's digital-first approach caters well to the needs of online banking customers seeking convenience and high performance from their banking relationship. Ideal for users who value simplicity and efficiency in their financial services, NBKC stands out for its user-friendly banking model and commitment to providing value through its fee structure and account features.

Read more