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nbkc bank CDs Review

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National Bank of Kansas City (nbkc) is a physical and digital bank that offers financial products for personal and business purposes. The bank is based in Kansas City, Missouri, and has three additional branches in the cities of Overland Park, Liberty, and Leawood. Its personal and IRA CDs feature variable rates with terms of up to 60 months.
 
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How is nbkc bank rated?

Breakdown

0.0/5
Types of CDs
4.3/5
Term Lengths and Features
4.3/5
Minimum Deposits, Fees, and Penalties
4.0/5
Customer Experience

Overall Rating: 4.2 / 5 (Excellent)

nbkc's certificates of deposit are a good alternative for those who are already customers of the bank and consumers looking to deposit their money for at least 18 months. Its "add-to starter" CDs integrate seamlessly with the bank's other accounts and provide a decent way to start saving. Additionally, the bank's reputation with customers is hard to beat, given the largely positive feedback it has received over the years. If you don't mind that the bank's rates are variable, nbkc CDs are a good option to consider.

nbkc bank Account Features

Term Lengths and Features - 4.3 / 5

nbkc's certificates of deposit are of variable rate. They are available as traditional or IRA CD. The types of ownership that an account can be opened with and if there is a maximum balance limit is not disclosed. Depending on the CD, nbkc requires either a $1000 or $25,000 minimum deposit to open the account. However, the bank also features a 12-month add-to starter CD or IRA CD that can be opened with as little as $25. Interest is compounded on a daily basis.
Type of Rate (Traditional)
Variable
Types of CDs
Traditional CD
IRA CD
Interest Compounded
Daily
Term Range
CD terms range from 3 to 60 months. Additionally, the bank features 4 "special" CD terms, namely for 7, 12, 14, and 18 months. The seven and fourteen-month terms require a higher initial investment of $25,000.
Minimum Deposit Amount
$1000; $25 for add-to starter CDs
CD Calculator
Yes

nbkc bank Fees and Penalties

Minimum Deposits, Fees, and Penalties - 4.3 / 5

nbkc bank does not charge monthly maintenance fees for their CDs. They do not mention any other fees, apart from the early withdrawal penalty. What said penalty consist of currently undisclosed by the company.
Early Withdrawal Penalty
Undisclosed

nbkc bank Financial Strength and Reputation

Customer Experience - 4 / 5

One of nbkc's strongest points is its reputation. The bank has exceptionally favorable feedback from customers. nbkc is currently accredited by the BBB where it features hundreds of positive reviews. Together with an overall lack of complaint, this results in an A+ rating and a 5-star customer rating. Customer support is available from 8 am to 5 pm, but customer representatives can be reached 24/7 in case of an emergency such as losing a debit card. Consumers may contact the company via phone call, email, chat, and social media.
Year Founded
1999
Live Help 24/7
No
Customer Support Hours
8am to 5pm
Contact Methods
Phone
Email
Chat
Social Media
BBB Rating
A+
BBB Total Complaints
2
BBB Resolved Complaints
0
Consumer Financial Protection Board (CFPB) Complaints
0
Date Collected
2018-09-26

Company Profile

Full Name
nbkc bank CDs
Company Website
https://www.nbkc.com
Headquarters
8320 Ward Parkway, Kansas City, MT, 64114

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Top Rated
Our Partner
  • 1.21% high-yield CD, 7.1X higher than national average.
  • Bank with purpose: your deposit helps us keep investing in underserved communities hard hit by the Covid crisis.
  • No fees.
  • FDIC insured.
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