The nbkc Everything Checking Account

One fee-free bank account that’s got everything you need from checking and savings.

securely on the bank's website

If you're looking for a free checking account that's packed with features allowing you to easily manage and track your budget on the go, 24/7, at your convenience, then you should definitely consider the nbkc bank Everything Account!

Not only is the Everything Account almost completely free, but it is also an interest-bearing checking account! This means you'll earn interest on your account balance. Plus, if you set up savings goals, you'll earn interest on your savings balance, as well! The interest rate applied to your balance is currently set to 0.8%, which is pretty good, given that other banks usually offer much lower rates. Besides, nbkc won't ask you to keep a minimum balance to earn interest or charge you any extra fees - again, unlike what most banks do.

Whether you're a frequent or occasional traveler, you should know that you can use your nbkc Mastercard debit cards anywhere you go, without being charged hefty foreign transaction fees. With free access to over 34,000 MoneyPass ATMs, and no out-of-network ATM fees, you'll be able to access your funds anywhere, anytime. If need be, nbkc will even reimburse you to up to $12 per month when other banks or ATM owners charge you a fee for using their ATMs.

If you're comfortable with online banking, and using mobile apps to manage your money, nbkc's checking account offer can really be a great solution for your daily banking needs. Since they provide both online and mobile customer service, you won't be completely on your own, and without help when you need it. That said, if you happen to live in Kansas City or its surroundings, you're in luck, because nbkc's got several physical branches in the area, so, you can stop by and talk to their bankers in person. 

Checking account details

Checking account fees

  • Monthly Fee
    $0
  • APY
    0.80%
  • Minimum Deposit to Open
    $0
  • Out-of-Network ATM Transaction Fee
    $0
  • Out-of-Network ATM Withdrawal Fee
    $0
  • Overdraft Fee
    $0
  • Non-Sufficient Funds Fee
    $0
  • Foreign Transaction Fee
    $0

The nbkc Everything Checking Account FAQ

1. How do I enroll in nbkc Online Banking?

You can enroll in nbkc's Online Banking by completing this form. You'll be asked to provide your last name, date of birth, Social Security Number, zip code, and a desired login ID.

2. What can I do with nbkc's online banking?

You can use nbkc's online banking to:

  • Transfer funds between eligible accounts.
  • Get balance information, and review transactions.
  • Make loan payments, online bill payments, electronic payments, and deposits.
  • Make stop payment requests.
  • Get monthly statements.
  • Order checks.
  • Export transaction history to personal finance manager.
3. Why does nbkc make holds on deposits?

nbkc will keep new customers' deposits made within the first 30 days of account opening for 5 or up to 9 days in order to prevent fraudulent activities, and keep people's accounts secure. Once the bank has become familiar with their new customers' activity, it will review those deposits, and, finally, make funds available.

4. When will I be able to make international wire transfers?

As a new customer, you'll have to wait for at least 90 days before you can start making international wire transfers. nbkc has to review your account activity prior to enabling you to perform such transactions because of security and fraud prevention.

This is one of the few banking services nbkc charges for, but the fee is lower than what most banks charge -> international wire transfers would cost you $45 with nbkc bank.

5. What is a Financial Snapshot?

Financial Snapshot is nbkc's useful feature available in their mobile app, and allowing you to track your spending conveniently.

You can keep an eye on your nbck Everyday Account activity, but also link any other external accounts you may have, including credit cards, loans, investments, and alike.

This feature lets you set budgets, and create spending categories, so that you can see where your money goes, and better organize your spending. It's quite a good way to gain control over your money, as you'll get a closer insight into your spending habits you might not otherwise be aware of.

6. What can I do with Savings Goals?

In case you want to put some money aside for some purchase, whether small or big, you can set a savings goal. This is done by transferring money instantly from your Everything Account to your Goals, and you can add funds or cash out whenever you want. There's no minimum amount required to keep in your savings balance.

Plus, you'll earn interest on both your Savings Goals, and checking account balances, which is quite nice, isn't it?

7. Can I use my nbkc Mastercard debit card abroad?

Of course, you can use your nbkc Mastercard debit card anywhere Mastercard is accepted. Plus, when using your card outside the United States, nbkc won't charge you any foreign transaction fees!

However, do let them know you're travelling by giving them a call at 913-253-0170, so they don't think it's some kind of fraud going on.

8. How can I download the nbkc Mobile App?

You can download the nbkc Mobile App straight from Google Play for your Android device or App Store if you have an iPhone.

Then, you can start using the app to manage your account, check balances, view pending transactions, create, approve, cancel or view fund transfers, send and receive messages, search for branch locations, make mobile deposits, find fee-free ATMs, and more.

9. Where can I find nbkc's routing number?

nbkc bank's routing number is 101014869 for personal checking accounts.

10. Is my nbkc Everything Account FDIC-insured?

Yes, nbkc bank is a FDIC member, meaning all your deposits are insured to up to $250,000.

Check Out Other Products From nbkc bank
Bank Monthly Service Charge Minimum Deposit to Open APY
The nbkc Everything Checking Account $0 $0 0.80%
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