Last Updated: 01/21/2026
SuperMoney User Recommendation Score +50
Strongly recommended8 total votes
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Highlights
Community Rating
Strongly recommended
Welcome Offer
Starting at $0(Verified 06/21/2024)
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Cashback Rewards
N/A
APY (Annual Percentage Yield)
1.50%(Verified 06/21/2024)
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Monthly Service Fee
$0(Verified 01/21/2026)
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Number of Reviews
nbkc Bank Everything Checking Account Review
The nbkc Bank Everything Checking Account is offered by nbkc bank, a bank founded in 1999 and based in Kansas City, MO. nbkc Bank checking account is available in 50 states and Washington, DC.
Key Takeaways
- Up to 1.50% annual percentage yield (APY). This account offers an annual percentage yield of up to 1.50%, which is much higher than the average for the checking accounts that we track However, you must keep a minimum balance of $0.01.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. nbkc Bank Everything Checking Account does not charge fees on ATM transactions .
- Up to $12 in ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in nbkc bank mobile or online banking.
- Soft credit pull. nbkc bank will not perform a hard credit pull when you open an account.
nbkc Bank checking account Pros & Cons
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nbkc Bank checking account FAQ
Are checking accounts from nbkc bank federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does nbkc Bank checking account offer?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 1.50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
nbkc Bank checking account offers an APY of 1.50% (APY stands for annual percentage yield, rates may change). This is higher than the typical APY for online-only checking accounts, which is around 1% APY. However, to earn interest, account holders must keep an average beginning day balance of $0.01.
What are the account minimums for nbkc Bank checking account?
nbkc Bank checking account does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0.01 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Combined Balance to Avoid Monthly Maintenance Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does nbkc Bank checking account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $45 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $45 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Reimbursement Monthly Limit | Starting at $12 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does nbkc Bank checking account charge overdraft fees?
No, nbkc Bank checking account does not charge overdraft fees.What features and perks does nbkc Bank checking account offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for domestic ATM fees up to a monthly maximum of $12.
- Fraud monitoring - nbkc Bank checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - nbkc Bank checking account allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
- Soft credit pull - nbkc Bank checking account performs a soft credit pull so you can check whether you qualify without hurting your credit.
What is the customer support email for nbkc Bank checking account?
The customer support email for nbkc Bank checking account is customersupport@nbkc.com.
How do people rate the customer service and user experience of nbkc Bank checking account?
Overall, nbkc Bank checking account is strongly recommended based on community reviews that rate customer service and user experience.
nbkc Bank Everything Checking Account Disclosure: Deposits made within the first 30 days of opening a new account will be held for 5 business days before the funds are made available, and possibly up to 9 business days depending on the situation. Additional holds on deposits may occur even after the initial 30-day period, but funds are typically available the next business day.
View nbkc Bank Everything Checking Account's published terms & conditions
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from nbkc Bank checking account
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +50, or 4 on a 5-point rating scale.
+50
-1000+100
No one recommends
Everyone recommends
nbkc Bank Everything Checking Account Community Reviews
Would you recommend nbkc Bank Everything Checking Account to your friends?
MP
Mark P.
Feb 3, 2023
May or may not recommend
NBKC Bank strives to put customers first with its emphasis on few fees and great customer support. It doesn't have as many checking and savings account options as some of its competitors, but the ones it offers are pretty competitive and come with rare perks, like out-of-network ATM fee reimbursement.
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
After reading some of the previous reviews I was skeptical of how the customer service and availability of customer service would be. My experience with customer service was positive and I think this is a good bank so far
NR
Nicole R.
Oct 26, 2022
May or may not recommend
After reading some of the previous reviews I was skeptical of how the customer service and availability of customer service would be. My experience with customer service was positive and I think this is a good bank so far.
Nicole Russo
CH
Chaster H.
Oct 24, 2022
May or may not recommend
New bank! Looking for new and exciting customers. People who are just starting out looking for low rates to start a checking account. New college students or just wanting a friendly bank. Give this company a look!
KA
Khawaja A.
Oct 7, 2022
May or may not recommend
The main reason that I wouldn't recommend this is their customer service, they need to work on it.
Dima S.
Jun 23, 2021
May or may not recommend
Not a good experience with NBKC bank. Set up an online business account 4 months ago and had nothing but problems and delays with things. Took them 3 months to set up invoices, then another few weeks to increase the limit from $1k. Transferred a few thousand dollars there to test out the waters and sent 1 invoice for $2k to collect the payment. Seemed to work fine. Sent out ...Show More
MG
Matt G.
Sep 28, 2019
May or may not recommend
How can I say this bluntly? If you don't bank with NBKC, you are an idiot. There is no better bank around! I was with a huge regional bank in Pittsburgh and along with all the branches, came all the fees and gotchas. This big bank didn't pay interest and was ready to zing you with fees for every little thing.
Then I discovered NBKC. I literally have never been happier ...Show More
MD
Mister D.
Aug 31, 2019
May or may not recommend
I switched to NBKC several months ago after comparing them with several other banks and I have not been disapointed. Customer service is incredible and very knowledgeable. I have never been charged a fee and I got my first box of checks free. They pay interest on my checking balance every month and I get my ATM fees back (up to 12.00 per month) within 24 hours. I love that ...Show More
Showing 8 of 8 reviews
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