nbkc bank Business Checking Accounts Review

Account Features

Although nbkc only offers a single business checking account, it's meant to simplify business banking with its no-frills approach to accommodate businesses of all sizes. The bank doesn't charge transaction or monthly service fees, and all business account owners receive a free nbkc business debit card with access to over 32,000 free MoneyPass ATMs nationwide. If you use ATMs outside of the network, nbkc will refund you up to $12 per month for ATM fees. 

Fees and Restrictions

nbkc's business checking account is as close to a free unlimited business checking account as you can find. There's no minimum initial deposit or monthly balance requirements to open an account. There's no monthly service charge and no limitations on the number of transactions or cash deposits you can have per month. You also won't pay anything for mobile deposits, stop payments, overdrafts, returned items, or incoming domestic wires.

• $0 required to open
• $0 minimum balance
• $0 for an nbkc Business Debit MasterCard®
• $0 transaction fees $0 for returned electronic or paper items
• $0 Overdrafts or NSFs
• $0 for Business Online Banking
• $0 for basic Bill Pay on your phone, tablet and desktop
• $0 to deposit checks, whether at a branch, or through the nbkc app on your phone or tablet
• $0 to talk to your nbkc banker on the phone, via email, or in person
• $0 eStatements
• $0 for Cashier's Checks
• $0 for stop payments, whether in branch or online
• $0 for incoming domestic wires from Anywhere, USA

The only fees associated with the nbkc business checking account are a $5 fee for every domestic wire you send and a $45 fee to send or receive international wires. Business owners can also choose to opt in to a Desktop Deposit add-on feature, which gives you the option to make unlimited deposits with check scanning equipment and unlimited nbkc account support for a low monthly fee.

Account Management and Support

Business checking account holders will have access to online banking where they can view their balance, pay bills, transfer money to other nbkc accounts and more. If you have an Apple or Android device, you can also download the bank's free mobile app that enables you to do all the things that online banking can do, as well as deposit checks by taking a picture with your phone's camera.


If you run into any questions about your account, you can contact nbkc by phone during business hours or you can visit in person, if you live near a branch. Chat and email support are another option to address less time-sensitive matters, and voice banking is available 24/7.

Reputation and Financials

nbkc bank is an FDIC-insured bank based in Kansas. Operating with four local branches, they are available to customers nationwide as an online bank that utilizes 256-bit encryption and multi-factor authentication. Despite its relatively short time in business, nbkc has developed a stellar reputation, with 98% of customers recommending the bank to others.


The company's A+ rating from the Better Business Bureau (BBB) is supported by an unusually high proportion of positive reviews, further attesting to its solid reputation. Few banks receive such glowing reviews from customers, so this is a good sign. Furthermore, nbkc hasn't had any complaints filed against them in the Consumer Financial Protection Bureau database, another good sign.