From the Bank
nbkc bank offers a variety of banking services designed to suit your needs.
Our #nogotcha Personal Checking, Money Market Savings and Business Accounts offer competitive interest rates, no hidden fees, no minimum balance requirements, or limits on transactions. We don't believe in small print.
In addition to our stellar bank accounts, we've been offering home loans in all 50 states since 1999. We show our support for Veterans by sponsoring the nationally syndicated TV show: Military Makeover... and we don't charge any lender fees on VA Loans.
Our mission is simple. Keep banking simple and easy for our customers.
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Good Customer Service And Decent Rate
Took a second try to open an account. Three identity questions are totally worthless, asking something occurred more than 30 years ago, who remembers that far back!
Had to upload image of driver license in order to complete the process.
Checking Review
I just recently opened up a new checking account online with NBKC. I live in a different state than the states they are in but they allow anyone in the USA to open an account online. They have a huge ATM network (utilizing the MoneyPass network) and allow cash deposits at any deposit ready money pass ATM. They also pay interest on your checking with no minimum balance and refund up to 12.00 a month in any ATM charges you might incur for using another banks ATM machine. You get your first box of checks for free which is great for me because they will last me for years. The online banking and mobile app are by far my favorite things about this bank so far. Very secure and safe easy to use and I can do anything I need to do with my money using their great features. Another great thing about this account is there are NO FEES...No overdraft or NSF fees no declined card or monthly fees no bill pay fees no replacement atm fees no fees is great. Their customer service is good they are very knowledgable and quick to answer any questions you may have. I am super happy so far. Great bank for anyone no matter where you live.
NBKC Is A Terrible Bank. Long Hold On Checks 1-2 Weeks
Long hold on checks. Absolutely unacceptable. I have submitted certified funds checks these take 1-2 weeks to clear. I have deposited standard business checks they take 1-2 weeks to clear. This bank is an absolute joke. If you are a business owner I would not recommend this bank. My other banks clear funds immediately. This bank has old outdated holds on checks. I currently have 2 small checks I deposited a couple weeks ago still not cleared. I called the issuer and was told this nbkc took the money over a week ago. So they receive the funds but make me wait 2 weeks to use them. This bank is absolutely ridiculous. I am closing my business account at nbkc. This bank makes it hard to conduct business. Definitely not a banking business partner.
Great Bank
I was looking to move my checking and savings to a bank that had no fees and found NBKC. I have had my accounts with them for a year now and have been very happy so far. Customer Service is great and helpful and my accounts have good interest rates on them. Best of all I have never been charged a fee for anything and I love being able to deposit cash in the ATM when i need to (I use a credit union close by that accepts deposits for NBKC cards) so overall I have been very happy and would advise anyone looking for a fee free account and a great bank to choose NBKC. I have already had family members move to them as well and they are very happy so far.
Data as of Q2 2022
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 35014 |
| Year Established | 1999 |
| Employees | 441 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 6.25% |
| Return on Equity - YTD | 39.13% |
| Annual Interest Income | $12.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2022vs Q2 2021 | $1.09B$1.11B |
| Loans | Q2 2022vs Q2 2021 | $532.8MM$525.9MM |
| Deposits | Q2 2022vs Q2 2021 | $866.2MM$886.1MM |
| Equity Capital | Q2 2022vs Q2 2021 | $190.8MM$173.6MM |
| Loan Loss Allowance | Q2 2022vs Q2 2021 | $9.6MM$10.3MM |
| Unbacked Noncurrent Loans | Q2 2022vs Q2 2021 | $1.3MM$2.0MM |
| Real Estate Owned | Q2 2022vs Q2 2021 | $0$0 |