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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They Hold Hostage Your Money
Don’t believe most of these reviews because they’re clearly forced upon getting a loan.
I’m a commercial banking customer and the two months I’ve had this account has been terrible.
I get paid via checks and every time this bank puts a week long hold on my funds. First time, I was told that if I contacted after the check was approved that they would verify the check and release the funds.
So, I did that today after my check was approved yesterday. I’m then told that my check is on hold for a week and if I wait 3 business days, they would consider releasing a portion. When I told them what they told me last month, they essentially gave me a list of excuses why checks go on holds and this is for the sake of my security.
I believe that as much as I believe in the Easter bunny.
Fact is that these people will lie to you about everything and give you every reason to not give you access to your money, while they probably make interest off of all of the funds they hold.
This Bank Has Caused Me To Not Want To Put Money In A Bank Ever.
This bank hides behind other names of online banks so they don't end up having a bad name. Empower a company within their company is an online bank that I opened up and started having my check deposited. A check was sent from the department of unemployment to my account but in my roommates name. They froze my account. This was done in 2020 and they still have my funds held. They claimed I was fraudulent and started treating me like I was a criminal. The mistake came from within the app the department of labor used. When I took the easy way out of changing my address( because it popped up on the screen when I hit the address bar). I saw the address come up on the screen so I hit the button and it filled in the blank address lines. Unbeknownst to me the address was associated with my roommate. It saved the address and her name when I was ordering something online for her. What I didn't see because the name line was not in the same brow l view of the address location was it changed my name to hers when I hit the address bar. It was the same day I figured it out and called unemployment and showed them how it happened. They apologized and I was issued another check the following week.
I have explained this story to NBKC bank since it happened
They said there would be an investigation but they have not as of yet to contact the labor dept. They still have my money and the think that is ok too hold my money without figure figuring out. I want my money with interest. I want compensation for emotional distress. PLus whatever else my look
Lawyer says I
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.
Worst Bank Ever!!
Except for free ATM withdrawals this bank is a joke!! I opened an account as the reviews stated they were great when traveling. NOT!! Even though I filed my travel plans repeatedly my card was declined almost 90% of the time. The fraud department was clueless, after hour customer service is non existent and when you have log in problems you have to call them and be placed on hold forever to reset your log in details. I could site many more deficiencies....suffice it to say stay away from this bank. They are functioning in the dark ages.
Unbelievably Terrible
What a strange terrible bank! Their website mimicks the language of the highly efficient and we'll run Fintech banks, with the cute language. If banks don't perform, I don't stick around. You will love this bank if you like long check holds, debit card purchase limits and slow money transfers. Customer service is hilarious, "please hold while I run down the hall and discuss this with the assistant to the assistant manager."
IF I COULD WILL GIVE THEM - 10
This bank is managed by bunch of idiots who are in the 18th century era. After giving me run around for my applications and requirements they approved so we started setting up CC payments etc then after we deposited money from our customers they closed our accounts, based on their internal compliance BS. Asked them why did u approve us and cost us all these expenses? No response
WILLL TAKE THEM TO COURT
STAY AWAY FROM THIS BANK
Data as of Q2 2024
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 35014 |
| Year Established | 1999 |
| Employees | 355 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 2.19% |
| Return on Equity - YTD | 13.16% |
| Annual Interest Income | $29.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2024vs Q2 2023 | $1.12B$1.13B |
| Loans | Q2 2024vs Q2 2023 | $759.8MM$680.5MM |
| Deposits | Q2 2024vs Q2 2023 | $891.2MM$911.9MM |
| Equity Capital | Q2 2024vs Q2 2023 | $190.1MM$185MM |
| Loan Loss Allowance | Q2 2024vs Q2 2023 | $10.5MM$10.9MM |
| Unbacked Noncurrent Loans | Q2 2024vs Q2 2023 | $2.9MM$1.5MM |
| Real Estate Owned | Q2 2024vs Q2 2023 | $0$504K |