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NBKC Everything Account
4.6
★★★★★
Finder score
On NBKC Bank's secure site
Fee
$0 per month
APY
1.50%
Minimum deposit to open
$0

Our verdict

This personal checking and savings account hybrid has no hidden fees or fine print.

The NBKC Everything Account is a hybrid checking and savings account with no monthly fees. You'll earn up to 1.5% APY on all balances above $0.01. The account features bill pay, cash management tools, free ATM access within MoneyPass' network, remote check deposits, $12 in monthly ATM reimbursements and the ability to set savings goals. You also won't pay anything for monthly maintenance, overdrafts, money orders or cashier checks. If you do a lot of in-person banking, there are only four physical branch locations, and support is limited to business hours. However, while branch access is lacking, NBKC has earned stellar reviews for its customer service.

Best for: Those in need of a free, interest-bearing hybrid bank account.

Pros

  • $0 opening deposit and $0 monthly fees
  • No overdraft or foreign transaction fees
  • Earn up to 1.5% APY
  • Stellar customer reviews

Cons

  • Only four branches

In this guide

  • Our verdict
  • Your reviews
  • Ask a question

Who is NBKC Everything Account best for?

The NBKC Everything Account is well-suited for anyone who doesn’t like fees, doesn’t mind online banking and wants an interest-bearing account. You won’t pay anything for monthly maintenance, overdrafts or ATM fees within MoneyPass’s large 37,000 ATM network. In addition, you can watch your balance grow with its 1.5% APY, which is higher than the national average rate for both checking and savings accounts.

But if you prefer having physical branch access, you may want to look elsewhere if you’re not in Kansas or Missouri. Those are the states NBKC has locations in, and there are only two in each state. But despite the lack of branch locations, it’s worth noting that NBKC has some of the highest customer service ratings we’ve seen for an online bank.

What we like about NBKC Everything Account

NBKC Bank is a primarily online bank and is FDIC-insured up to $250,000. It’s also an award-winning bank, taking the win for Kansas City’s Strongest Large Bank in April 2023 and winning a Glassdoor award for Best Places to Work in 2019.

NBKC has also earned fantastic customer reviews and ratings, mainly for its customer service.

Few fees

This hybrid account has no opening deposit, monthly maintenance, overdraft or foreign transaction fees. This is especially great, because you’re getting two accounts in one.

Getting to use MoneyPass ATMs for free is another great perk. NBKC also doesn’t charge fees for using an ATM outside of its network, but if the ATM owner charges a fee, you get up to $12 in ATM reimbursements. Fees may apply.

Passively earn

Most checking accounts don’t earn any interest, but the NBKC Everything Account offers an APY of up to 1.5% as long as you have something in the account. There are no balance requirements and no caps on earnings, either.

The 1.5% APY is also much higher than the national average for checking accounts, which is currently 0.08%. It’s also higher than the savings average APY, which sits at 0.45%.

Cash management and savings goals

NBKC features built-in tools for tracking savings goals. You can set up buckets for individual savings goals like Christmas, house funds, vacations and more, and take advantage of automatic transfers to these buckets for easy savings.

Where it falls short

NBKC’s downside is where most online banks fall short: Lacking branch access. While it does have four branch locations, they’re only in Kansas and Missouri.

It also has phone support during business hours — which isn’t always a given with online banks — but it’s only available on weekdays from 8 a.m. to 5 p.m. CT.

NBKC Everything Account‘s fees and access

NBKC says, “zero is our favorite number,” and it charges barely any fees at all. Just watch out for the high $45 fee for international wire transfers.

Type of feeFee details
Monthly service$0
Opening deposit$0
ATMs
  • Domestic:$0 with MoneyPass, out-of-network operator fees may apply
  • International: $0, operator fees and currency exchange fees may apply
Debit card fees
  • Cash withdrawals: $0 within ATM network
  • Foreign transactions: $0, currency exchange rate may apply, foreign transactions done in US dollars
  • Card replacement: $0
Overdraft or nonsufficient funds$0
Wire transfers
  • Incoming
    • Domestic: $0
    • International: $45
  • Outgoing
    • Domestic: $5
    • International: $45
Other fees
  • Paper statements: $0
  • Estatements: $0
  • Account closure: $0
  • Stop payment: $0
  • Returned items: $0
  • Money orders: $0

Compare NBKC Everything Account to other checking accounts

Narrow down top checking accounts by opening deposits, monthly fees and APYs. For a closer comparison, tick the Compare box on up to four accounts to see features side by side.

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Name Product Fee Minimum deposit to open Annual Percentage Yield (APY) Offer
SoFi Checking and Savings
Finder Score: 4.5 / 5: ★★★★★
Bonus
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$0 per month
$0
4.60% on balances of $0+
0.50% on balances of $0+
1.20% on balances of $0+
Get up to $300 cash bonus with qualifying direct deposit. Terms apply. This offer is available until December 31, 2024.
Upgrade Rewards Checking Plus
Finder Score: 4.3 / 5: ★★★★★
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$0 per month
$0
N/A
Primis Perks Checking
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Primis Perks Checking
$0 per month
$1
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Earn 50 cents for every debit card swipe except for ATM transactions
Cash Card by Cash App
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$0 per month
$0
N/A
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Step Black Card
From $0 per month
$0
5.00% on balances of $0 to $1,000,000
PNC Virtual Wallet with Performance Select
Finder Score: 3.4 / 5: ★★★★★
Bonus
PNC Virtual Wallet with Performance Select
$25 per month
(can be waived)
$0
0.01%
Earn $400 when you open a new PNC Virtual Wallet with Performance Select and establish a direct deposit of at least $5,000+ to your Spend account in the first 60 days.
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Customer experience

Overall, NBKC’s customer reviews are very impressive. It holds one of the highest Trustpilot ratings we’ve seen for a bank, let alone an online one. It has a 4.3-star rating, and the majority of reviews are 5-star. Customers are pleased with the personal and business accounts, and most customers are extremely happy with the customer service, frequently throwing out compliments such as patient, professional, courteous and swift.

The positive reviews keep on rolling with the Better Business Bureau (BBB), and NBKC holds a stellar A+ rating, which is awarded based on how well and fast a company responds to complaints and reviews. There have been very few complaints in the last few years — a rarity for banks in general.

BBB customer reviews are abundant, and NBKC has gotten itself a fantastic rating of 4.48 stars. Customers are very happy with the customer service and speed, and many customers are pleased that the customer support is “real humans” instead of a chatbot or auto-response emails. NBKC also issues mortgages, and customers often express gratitude for the professionalism and speed at which they got a home loan.

Frequently asked questions

Is NBKC Bank a real bank?

NBKC stands for National Bank of Kansas City and is a fully-fledged, FDIC-insured bank. It was founded in 1999 in Kansas City and is known for its mortgages and deposit accounts.

Where are NBKC branches located?

NBKC Bank has four branch locations: two in Kansas and two in Missouri. In Kansas, they’re in Leawood and Overland Park. Missouri’s branches are both in Kansas City.

Can I deposit cash with NBKC?

Yes, you can deposit cash for no fees at a MoneyPass ATM. You can use the MoneyPass ATM locator to find one near you.

Checking account ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.

Read the full methodology of how we rate checking accounts.

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Bethany Finder

Editor, Banking

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