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NBKC Personal Account review

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Forget the hidden fees and fine print — this checking account has neither.

finder.com’s rating: 4.5 / 5.0


We’re all working hard to earn money — so why should managing it be complicated?

That’s NBKC’s point of view that’s built on a promise to bank simply. For customers, there’s just one personal checking account on offer, and it prides itself on having no hidden fees or fine print. It’s easy to sign up, and once you do, you’ll score a debit card and start earning interest on your growing balance.


Monthly fee




Minimum deposit to open


APY1.00% on balances of $0.01+
Monthly fee$0
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

Expert review

Katia Iervasi

Review by

Katia Iervasi is a writer from Sydney, Australia. Her writing — and curiosity — has taken her around the world, and she now calls New York home. With a journalistic eye for detail, she navigates insurance and finance for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).

Expert review

NBKC’s Personal Checking account is best for those who want simple banking with no hidden fees. There’s no monthly fee or minimum balance required and you’ll earn interest on your money.

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

What are the benefits of a checking account with NBKC?

Open a NBKC Personal Account, and you’ll be privy to these benefits:

No hassles

  • No fees. NBKC stands out in the market for its “no gotchas” mantra. With a personal account, you’ll only pay a fee for sending domestic and international wires. There are no fees for overdrafts or non-sufficient funds (NSFs).
  • No minimum balance required. You’ll need $5 to open this checking account. After that, you don’t need to maintain a minimum balance.
  • Free NBKC Debit Mastercard. When you open a Personal Account, you’ll get a chip-enabled debit card that’s accepted worldwide.
  • Complimentary access to MoneyPass ATMs across the US. Use any of the 32,000 ATMs in the MoneyPass network for free.
  • Monthly refunds on ATM fees. NBKC goes one step further, reimbursing you up to $12 a month for ATM fees charged by other banks.

Competitive advantages

  • Competitive APYs. Thanks to a generous 1% APY, this checking account earns a lot of interest with unlimited transactions.
  • Sophisticated online and mobile banking. Manage your account, set alerts, deposit checks, and make and stop payments online or on the app.
  • Perks and freebies. As a customer, you’ll score a free box of checks and pay $0 to access online banking, bill pay, cashier’s checks or eStatements. It’s also free to deposit checks and receive domestic wires.

Convenience and safety

  • Convenient deposit methods. Deposit money into your account at a branch, via mail and using the app by taking a picture of your check. You can also deposit cash or checks at most MoneyPass ATMs.
  • Security. The FDIC insures your account up to $250,000. Plus, NBKC has savvy security systems: You’ll need to authorize any high-risk transactions, and you can download the bank’s Detect Safe Browsing app for free.
  • Easy to sign up. Apply for an account online, over the phone or in person at a branch.
  • Wide-ranging support. Speak to an agent in person, by email, on live chat or over the phone by calling 888-905-2165 on weekdays from 8 a.m. to 5 p.m. CT.

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.
  • 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 ATMs Fee
M&T Bank EZChoice Checking
Over 1,500 M&T Bank ATMs
Get $150 if you open an EZChoice M&T checking account by March 2, 2020, and make qualifying direct deposits totaling at least $500 within 90 days of account opening.
M&T Bank MyChoice Premium Checking
M&T Bank MyChoice Premium Checking
0.05% on balances of $100,000+
0.03% on balances of $50,000 to $99,999.99
0.01% on balances of $1 to $49,999.99
Over 1,500 free M&T Bank ATMs and up to $2 rebates when using all other ATMs
(can be waived)
Get up to $250 if you open a MyChoice Premium M&T checking account by March 2, 2020, and make qualifying direct deposits totaling at least $500 within 90 days of account opening.
Chase Sapphire Checking
Free to use anywhere worldwide
(can be waived)
Get a $1000 welcome bonus when you join Sapphire Banking by March 06, 2020. Within 45 days of joining, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts (excludes any J.P. Morgan retirement accounts and CDs), and maintain the balance for at least 90 days.
BBVA Online Checking
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
A full-service account with convenient, surcharge-free access to two massive ATM networks.
Axos Bank Rewards Checking
1.25% on balances of $0+ with $1,000+ in direct deposits, 10 $3+ debit card transactions and 5 additional account transactions per month
ATM fees reimbursed at any ATM nationwide
Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.
Axos Bank Essential Checking
ATM fees reimbursed at any ATM nationwide
No fees. Unlimited domestic ATM fee reimbursements.

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 apply?

Applying for an account is as easy as filling out an online form. Follow these steps:

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


To open a checking account with NBKC, 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 other checking options does NBKC offer?

NBKC doesn’t offer any other checking account options. However, it does have a Personal Money Market Savings account. It requires a $5 minimum opening deposit, and it has an APY of 1.51% for balances up to $1 million and 1.06% for those over $1 million. Account holders can make up to six withdrawals or debits a month for free.

Does this bank offer business services?

Yes. In alignment with its “bank simply” motto, NBKC offers just one Business Account. The checking account costs $5 to open, but online banking is free and there are no limits on account transactions. It comes with an NBKC Business Debit Mastercard, and you’ll pay nothing for overdrafts or NSFs, bill pay, cashier’s checks, incoming domestic wire transfers and eStatements.

To enhance your banking, you can add on NBKC’s ACH Credits and Debits for an extra fee. It helps with direct deposit, payroll and vendor payments as well as rent, subscriptions and fee collection. You can also opt into Desktop Deposit. It offers unlimited NBKC account support, unlimited deposits from your office and access to check-scanning equipment.

To match the personal banking options, NBKC has a Business Money Market Savings account. You’ll earn 1.51% APY for balances up to $1 million and 1.06% for those over that limit.

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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