NBKC Bank Review – Solid APYs and Low Fees

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Rating overall

Both pros and cons

The NBKC All AccountThe hybrid checking/savings accounts pays 1.26% interest on your total balance. To earn interest, you don’t have to meet any requirements.

Perhaps you will find that combining your spending and savings in one account makes it simpler to manage your finances. Individual accounts can be set up. Savings goalsTo track your progress and avoid dipping into your savings, you can use your account to add “Emergency Fund” and “New Car”.

The overdraft rules may be something you don’t like. NBKC doesn’t charge any overdraft fees. NBKC will deny transactions if your purchase exceeds your account’s limit. If this happens, it could cause you to be in a difficult spot. Not requiredTo overdraw funds, but do not have the option.

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

NBKC also allows you to open an Add-to Starter CD. After you have opened your main CD, you can add a one year Starter CD without opening deposit. You can continue depositing money throughout the year.

You can find a money market account here. NBKC Money Market AccountIt is a good option. This account offers solid interest and, unlike other banks, NBKC does not require a minimum deposit.

A money market account has a greater appeal than traditional savings accounts. It makes it much easier to access your money, as opposed to a savings account. NBKC provides both a debit and paper check, so it is easy to access your savings.

How NBKC Bank operates

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

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

Customer support is available Monday to Friday from 8 a.m. until 5 p.m. CST. NBKC does not offer weekend customer support and no live chat.

All your deposits are FDIC-insuredFor as high as $250,000 or $500,000 for a joint bank account.

BBB rating and trustworthiness of NBKC

The Better Business Bureau offers NBKC Bank an Rating A+. A high BBB score is a sign that a company is truthful in its advertising, transparent about business practices, and responds promptly to customer complaints.

NBKC isn’t currently involved in any public scandals. The company’s clear history and excellent BBB rating may convince you to bank with them.

NBKC Bank review vs. Ally review

NBKC AllyBoth give you the option to name your savings goals. You can choose to have Ally open a separate checking and savings account.

If you are looking for a decent rate of interest on your checking account, NBKC might be a better choice. Although Ally will pay interest on your checking account but not as much as the others, it might be more than what the other institutions offer. NBKC All Account pays.

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

Review of NBKC Bank vs. Capital One

Capital OneCapital One does not have a money-market account. If you are interested in a money-market account, you will want to choose NBKC. Capital One does not pay interest on checking accounts, but it pays a higher rate than NBKC.

Capital One allows you to open separate savings or checking accounts for minors. It is not like NBKC.

Capital One may be a better choice if you need more customer service. The phone hours are long and live chat is available 24/7.

Questions frequently asked