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NBKC Everything Account review

Forget the hidden fees and fine print — this savings and checking account hybrid has neither.’s rating: 4.5 / 5.0


Formerly called the NBKC Personal Account, the NBKC Everything Account is a two-in-one checking and savings account built on simplicity. It has no hidden fees, earns a 0.15% APY and comes with cash management tools to help you save for goals and track your expenses.

$0 per month





Minimum deposit to open


APY0.15% on balances of $0.01+
Fee$0 per month
Minimum deposit to open$5
ATMsUse any of the 32,000+ MoneyPass ATMs in the US for free
ATM transaction fee$0
ATM fee rebatesUp to $12 monthly for ATM fees other banks charge you
Out-of-network ATM fee$0
Foreign transaction fee0%
Overdraft fee$0
Nonsufficient funds fee$0

Review by

Cassidy Horton is a writer for Finder, specializing in banking and kids’ debit cards. She’s been featured on Legal Zoom, MSN, and Consolidated Credit and has a Bachelor of Science in Public Relations and a Master of Business Administration from Georgia Southern University. When not writing, you can find her exploring the Pacific Northwest and watching endless reruns of The Office.

Expert review

NBKC’s Everything Account gives you everything you need to manage your spending money and your saving money all in one place. Its transparency and lack of hidden fees is a breath of fresh air for those who want to simply bank without having to worry about racking up charges. You won’t pay anything for monthly maintenance, overdrafts, foreign transactions and more.

The account also features a competitive 0.15% APY and plenty of tools to help you track your savings progress and visualize where your money is going.

But if you do a lot of in-person banking, there are only four physical branch locations and support is limited to business hours.

How do I open an NBKC Everything Account?

Apply for your account online, over the phone or in person at a branch. Follow these steps to apply online:

  1. Go to the provider’s site and follow the steps to apply.
  2. From the NBKC website, click Personal under Open Account.
  3. A page with three boxes will pop up. Select Open an Everything Account.
  4. Click Get Started.
  5. Confirm the account you’re applying for by checking Everything Account and clicking Next.
  6. Enter your email address and phone number, review the consent forms and check the boxes saying you’ve done so.
  7. NBKC sends a verification code to you via text. Type this in when you’re prompted on the next page.
  8. Continue filling out your personal details.


To open a NBKC checking account, you need to be:

  • A US citizen or resident alien
  • At least 18 years old

Required information

When you’re applying for an account, keep these details and documents handy:

  • Social Security number
  • Valid driver’s license or state ID

What are the benefits of an NBKC Everything Account?

Open a NBKC Everything Account and you’ll get access to standard features — such as sophisticated online and mobile banking tools and a free box of checks — as well as these unique benefits:

  • No fees. NBKC stands out in the market for its “no gotchas” mantra. With an Everything Account, you’ll only pay a fee for sending domestic and international wires. There are no minimum balance requirements or fees for incoming domestic wires, foreign transactions, cashier’s checks, overdrafts or non-sufficient funds (NSFs).
  • Competitive APY. Thanks to a 0.15% APY, this spend and save account earns more interest than most traditional savings accounts.
  • Savings goals. Set up virtual piggy banks in the NBKC app to save for an unexpected emergency, a wedding, a pair of new sneakers or anything else on your list.
  • Financial snapshots. The NBKC mobile app is chock-full of charts and graphs to help you see exactly where your money is going.
  • Accepts cash deposits. Most digital bank accounts that don’t accept cash deposits, but you can deposit cash or checks at most MoneyPass ATMs with NBKC.

NBKC’s ATM network and fees

You can dip your NBKC Debit Mastercard into over 32,000 MoneyPass ATMs across the country. They’re free to use, and you can hop on the website to search for one near you.

If you choose to use ATMs outside the MoneyPass network, NBKC will refund you up to $12 monthly for ATM fees charged by other banks.

What should I look out for?

No account is perfect. These factors may sway your decision:

  • Expensive wire transfers. It costs $5 to send domestic wires and $45 for international wires. If you’re receiving money, you’ll pay $45 for international wire transfers. Incoming domestic wires are free, though.
  • Limited customer service times. The team is only available to talk about your account during office hours on weekdays from 8 a.m. to 5 p.m. CT. The exception is for lost and stolen cards, which you can report 24/7 by calling 800-528-2273. But you can also reach an agent in person, by email or live chat.
  • Limited branch access. NBKC has just four physical branches in Kansas and Missouri, which may deter people outside of those states who prefer face-to-face communication with their bank.

If you prefer an account with branch locations near you, you’ll want to keep looking. As always, compare your options when looking for a checking account.

Compare with other checking accounts

Name Product APY Minimum deposit to open ATMs Out-of-network ATM fee Offer
HSBC Premier Checking
Finder Rating: 2.7 / 5: ★★★★★
HSBC Premier Checking
0.01% on balances of $5+
Free to use at all ATMs in the US
Get a $500 welcome bonus when you open your account with qualifying activities. Must open HSBC Premier checking account through offer page by February 15, 2023, and set up qualifying direct deposits into the new account totalling at least $10,000 per month for three consecutive months. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.

HSBC Premier Checking offers free global transfers and 24/7 customer support.
Aspiration Spend & Save Account
Finder Rating: 4.2 / 5: ★★★★★
Aspiration Spend & Save Account
5.00% on balances of $0 to $10,000
3.00% on balances of $0 to $10,000
55,000+ free Allpoint ATMs worldwide
Deposits are fossil fuel-free and insured by the FDIC. Enjoy a spend and save combo account with unlimited cash back rewards.
Finder Rating: 4.7 / 5: ★★★★★
55,000 AllPoint ATMs around the world for free
Earn $30 bonuses every time a friend signs up for an account and deposits at least $20 in one transaction
No monthly fees. No foreign transaction fees. No fees at 55,000+ Allpoint ATMs.
Chime Checking account
Finder Rating: 4.7 / 5: ★★★★★
Chime Checking account
60,000+ fee-free ATMs
Get rid of fees with this financial app offering consumer-friendly accounts. Chime can also help you save easily and access your paycheck faster.
Axos Bank Rewards Checking
Finder Rating: 4.2 / 5: ★★★★★
Axos Bank Rewards Checking
1.25% on balances of $0 to $50,000
ATM fees reimbursed at any ATM nationwide
Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.
BMO Harris Smart Money™ Account
Unlimited transactions at 40,000+ ATMs nationwide
Get a $300 cash bonus when you open a new account and have a total of at least $4,000 in qualifying deposits within the first 90 days. See terms and conditions
You’ll pay no monthly maintenance fee if you are under 25. It also offers no overdraft charges and no non-sufficient fund (NSF) fees.

Compare up to 4 providers

How much do I need to open an account?

The minimum opening deposit is $5. To earn interest, you’ll need to have at least $0.01 sitting in your account.

How do I deposit or withdraw my money?

The NBKC Everything Account gives you several ways to access funds:


  • Remote check deposit with mobile app
  • Direct deposit
  • Cash or check deposit at an ATM
  • Wire transfer
  • Transfer from another bank


  • ATM using your debit card
  • Wire transfer
  • Transfer to another bank

What other checking options does NBKC offer?

NBKC offers one business checking account option called the Business Account. Similar to the Everything Account, it has a $0 opening deposit and absolutely no fees for overdrafts, stop payments, incoming domestic wires, mobile deposits and monthly maintenance. Unlike other business checking accounts, this one also has no transaction fees, which means you can make as many deposits as you’d like without having to worry about hitting a limit.

Does this bank offer business services?

Yes. In addition to the Business Account, NBKC has a Business Money Market Savings account that earns a competitive 0.80% APY on all balances. It also offers business CDs with terms ranging from 14 days to 60 months.

In terms of eligibility, you have to be a US citizen or resident and at least 18 years old. You’ll also need to prove that you’re authorized to open accounts on behalf of the business.

Frequently asked questions about NBKC

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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