Not Bad For Internet Banking
Based on my experience, I would like to put a few good words in for the bank.
For a checking account, it works and it's free (I am the product). They also offer reasonable forms of investment, but during the current economy, that part is moot.
For checks, they indeed have a long waiting period at first, but once checks keep coming in from the same issuer, the money is available within 24 hours.
Remote check deposits work fine and fast.
I wish they had a breakdown of the types of expenses on their website, especially various types of income.
Also, customer service is not available for most of the weekend, so if you mistype your password on your cell three times, you'll have to wait until Monday for someone to fix the problem.
False Advertising, Fraudulent Misrepresentation, And Negligent Misrepresentation
I spent a week setting this account up for my company. Everything was good but then I tried to deposit a check by mobile. I called up nbkc and asked how do I do this. The only information given was " make sure you have a picture of the front and back of the check" simple enough right? I did just that I had a picture of the check and took a photo of that photo to deposit the check. I've done this several times at ither banks. They first wanted to mislead me and fight with me (first guy i spoke with wouldnt let me speak, and then blew up on me amd hung up the phone) saying they were closing my account because I work in the hemp industry. I explained what hemp was, that it was legal under the farm bill of 2018 and everything was good. But then they decided to close my account because I took a picture of a check off a screen because I didn't have the check infront of me amd needed to pay employees.
No where on their website does it say this is not allowed and directions for mobile deposit are vague on the website with it saying "take a photo of the front and back of the check." Which I had done.
After fighting with them on it they decided to screw up the time I have in my day forcing me to find another bank after I got everything set up all because I took a picture of a check for $300, not a $20,000 check, not even a $500 check. All for a $300 check after they were vague and said to take a picture of the front and back of the check.
This company violated the following with their actions or lack there of; false advertising, fraudulent misrepresentation, and negligent misrepresentation from both the employee I spoke with as well as on their website.
Do not bank here!
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
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 35014 |
| Year Established | 1999 |
| Employees | 375 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.85% |
| Return on Equity - YTD | 11.64% |
| Annual Interest Income | $14.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $1.13B$1.2B |
| Loans | Q1 2025vs Q1 2024 | $814.7MM$717MM |
| Deposits | Q1 2025vs Q1 2024 | $916.8MM$971.3MM |
| Equity Capital | Q1 2025vs Q1 2024 | $184.4MM$190.3MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $10.9MM$10.2MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $4.5MM$3MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $358K$0 |