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NBKC Bank (Member FDIC) is an online bank with branches in Kansas City, Missouri.
The bank pays solid interest rates on all its accounts, and it doesn’t charge monthly fees.
The Everything Account is a hybrid checking/savings account that lets you create savings goals.
See Insider’s picks for the best CD rates »

Table of Contents: Masthead Sticky

This post was last reviewed and updated on July 22, 2021.

The bottom line: NBKC Everything Account is a strong online bank for high APYs and low fees, but it’s not a good match if you like in-person banking, unless you live in Kansas City, MO.

Overall bank rating

Insider rating (out of 5)



Money market



Pros and cons


Solid rates on checking, savings, money market accounts, and CDs
Possible to add money to CD after opening it
Debit card and/or paper checks available with money market account

High early withdrawal penalties on CDs
Checking/savings is one combined account, which may not be for everyone
Branch locations are only available in Kansas City, Missouri

NBKC Everything Account

The NBKC Everything Account is a hybrid checking/savings account that pays a high interest rate on your entire balance. You don’t need to meet any qualifications to earn interest.

You might find that keeping your spending and saving money all in one account simplifies your finances. You can also set up individual savings goals in your account, like “Emergency Fund” or “New Car” to track your progress and keep yourself from dipping into your savings.

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The NBKC Everything Account is a strong account that doesn’t charge fees. You may or may not like how the overdraft rules are set up, though. On the plus side, NBKC doesn’t charge overdraft fees. If your purchase would overdraw your account, NBKC will just deny the transaction. However, this could put you in a tough spot if you need to overdraw funds but don’t have the option.

If you’d rather have checking and savings in separate accounts, there’s a pretty simple fix. Just use this account as a checking account without setting up savings goals, then open a NBKC Money Market Account.

NBKC Certificate of Deposit

Banks typically limit you to depositing money into your CD once, when you open the account. But NBKC lets you open an additional Add-to Starter CD. Once you’ve opened your main CD, add a one-year Starter CD with no opening deposit and continue to deposit money into it throughout the year.

Money market
NBKC Money Market Account

If you’re looking for a money market account, the NBKC Money Market Account is a strong option. This account pays a solid APY, and unlike many banks, NBKC doesn’t require a minimum opening deposit.

The main appeal of a money market account over a traditional savings account is that it typically makes it easier to …read more

Source:: Business Insider


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