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nbkc Everything Account Checking Accounts Review

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Formerly known as the National Bank of Kansas City, nbkc bank is an online bank that was launched in 1999. It offers bank accounts for personal and business use and various home loan products, such as conventional, FHA and VA fixed-rate and adjustable-rate mortgages, refinancing, and jumbo mortgages. Though its services are available nationwide, its in-person service is only available in Kansas and Missouri.
 
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How is nbkc Everything Account rated?

Breakdown

4.4/5
Account Features
4.5/5
Fees and Restrictions
4.6/5
Support, Reputation, and Financials

Overall Rating: 4.5 / 5 (Excellent)

nbkc stands out when it comes to online banking, thanks to its excellent customer service and competitive interest rates. Its online banking services are available in every state, but its in-person services are only available in the Kansas City Metro area. This may seem like a disadvantage for some consumers, but nbkc makes up for it with an user-friendly website and mobile app, overwhelming good service reviews, and a variety of contact methods, such as phone, email, and online chat.

nbkc Everything Account Account Features

Account Features - 4.4 / 5

nbkc's Everything Account is a free checking and savings account hybrid, which is a great option for customers who prioritize flexibility and ease. The account does not require a minimum balance, and has no regular or hidden fees, such as monthly maintenance or overdraft fees. nbkc offers joint accounts as well, and it pays interest at a rate of 1.50%. However, their program does not award points or cash back rewards.
Types of Checking Accounts
Free Checking Accounts
Online Checking Accounts
Joint Checking Accounts
Methods of Deposits
Mail Check
Mobile Check Deposit
Physical Branch
Wire Transfer
Online Transfer
Direct Deposit
Integration with Other Online Accounts
Savings
External Banks
Loan Accounts
No-Fee ATM
No-Fee at Network ATMs
Reimbursement for Domestic ATMs
ATM Locations
nbkc partners with MoneyPass to offer over 34,000 fee-free ATMs to its customers.
Branch Offices
The bank has four branches in the Kansas City metropolitan area. They are in Kansas City, Overland Park, Liberty and Leawood.

Interest (APY)

1.75%
Integration with Mobile Payment Services
Venmo
Apple Pay
Card Blocking
No
Pay Bills Online
Yes
EMV Chip Technology
Yes
Bank Checks
No
Mobile App
Yes

nbkc Everything Account Fees and Restrictions

Fees and Restrictions - 4.5 / 5

The Everything Account has two fees: a $5 fee for outgoing domestic wires across the United States, and a $45 fee for sending or receiving international wires. Additionally, nbkc takes serious security measures when it comes to protecting their clients, including online identity theft guides, multi-factor authentication, text messages, automated calls, and a free, safe-browsing detection application that their customers can download.
Maintenance Fee
$0
Minimum Balance
$0
Minimum Monthly Deposit
No minimum
Minimum Number of Transactions
No minimum
Other Fees
Incoming Wire Fee

nbkc Everything Account Support, Reputation, and Financials

Support, Reputation, and Financials - 4.6 / 5

When it comes to reputation, nbkc maintains very high standards, holding an active FDIC membership and a five-star rating with Bauer Financial. Although it does not have a financial rating score with Moody's, there are no CFPB complaints or nationwide regulatory actions against them. nbkc is BBB accredited, and it has an A+ on their website. This rating is well-earned, since the company has an overwhelming 460 positive reviews and only 17 that are negative. Other consumer review websites, such as Yelp, share this praise, complimenting the company's professionalism and excellent customer service.
BBB Rating
A+
BBB Total Complaints
7
BBB Resolved Complaints
1
Trust Pilot Rating
2.9 out of 5
Consumer Financial Protection Board (CFPB) Complaints
0
Date Collected
2020-10-09
Year Founded
1999
Customer Support Hours
8am to 5 pm CST, M-F

Contact Methods

  • Phone
  • Email
  • Chat

Company Profile

Full Name
nbkc Everything Account Checking Accounts
Company Website
https://www.nbkc.com/
Headquarters
8320 Ward Parkway, Kansas City, MO, 64114

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Customer Comments & Reviews

Loading Reviews ...
Dima S
6/23/2021
Not a good experience with NBKC bank. Set up an online business account 4 months ago and had nothing but problems and delays with things. Took them 3 months to set up invoices, then another few weeks to increase the limit from $1k. Transferred a few thousand dollars there to test out the waters and sent 1 invoice for $2k to collect the payment. Seemed to work fine. Sent out the second invoice for $3k and now my account is blocked for a “review”. No communication, no warning, no explanation. Just blocked without me being able to have access to my money. Called and talked to Eric (supervisor) and he said the info is "confidential" and they can’t share as to why this happened and it... Read More

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