About NBKC Bank
NBKC Bank was founded in 1999 and is based out of Overland Park, which is a city in the Kansas City area. It was originally founded as Horizon National Bank but later changed its name to National Bank of Kansas City. It finally rebranded itself as NBKC Bank in 2015.
NBKC Bank Overview
NBKC Bank is a full-service bank that offers CD, checking, and money market accounts. The bank operates four branches in the Kansas City area and allows its customers fee-free access to the more than 40,000 MoneyPass ATMs nationwide. Most of NBKC's accounts offer competitive APYs, no monthly service charges, and relatively low minimum opening deposit requirements.
| Full range of CDs with competitive APYs. | No savings account options available. |
| No monthly service charges. | Only four branches available in the Kansas City area. |
| No minimum opening deposit for non-CD accounts. | |
| Fee-free access to the more than 40,000 MoneyPass ATMs nationwide. |
NBKC Bank Offerings
CDs
A certificate of deposit (CD) is a form of savings account that pays a fixed interest rate on the money in the account for a certain period, known as a term. NBKC Bank offers CDs with terms ranging from six months to five years. The APYs on most of its CDs are higher than the national averages of 2.60%. Here are the details for some of the bank's CD offerings for the month! and 2025:
Checking Accounts
A checking account is a transactional account intended for everyday expenses. NBKC Bank offers one business and one personal checking account. The personal checking account offers an APY that is higher than the national average of 0.01% for checking accounts. Here are the latest account details for April 2025:
Money Market Accounts
A money market account is an interest-bearing hybrid between a savings account and a checking account. NBKC Bank offers one business and one personal money market account, both of which offer APYs that are above the national average of 2.02% for money market accounts. Here are the account details for April 2025:
Bank Fees
Overdraft fee: None
Account closure fee: None
Dormant account fee: None
Wire transfer fee: Domestic - Incoming is $0 and outgoing is $5; International - Incoming is $45 and outgoing is $45
Non-network ATM fee: None; Up to $12 per month in non-network rebates
Monthly service charge: None
Stop payment fee: None
Paper statement fee: None
NBKC Bank Features
NBKC Bank's customer service line is available on weekdays from 8 a.m. to 7 p.m. CST. via phone and online chat. The 24-hour automated line is also available for basic account information and functions. The bank operates four branches in the Kansas City area but also allows customers to open their accounts online. Customers also have access to an easy-to-use mobile app that allows customers to check balances, deposit checks, pay bills, and process transactions.
NBKC Bank FAQs
Our Take
NBKC Bank is a regional Kansas City bank that operates four branches. It offers several CDs with varying terms that all offer competitive APYs. Unlike many banks, NBKC Bank offers a personal checking account with a higher-than-average APY as well as business and personal money market accounts that also offer higher-than-average APYs. All non-CD accounts do not have minimum opening deposit requirements and do not assess monthly service charges. NBKC Bank is a good option for Kansas City residents who like a competitive bank with little to no fees. It is also a good option for everyone else because the bank makes its accounts available online.
Methodology
Our editorial staff continually updates the information contained on our website. Our editorial staff has analyzed virtually all of the banks and credit unions that it follows, and it does weekly rate analysis for more than 250 prominent banks and credit unions. These institutions were chosen because they provide competitive APYs, low fees, and other factors we find important. These banks and credit unions often provide accounts that are available nationally. All of these banks are FDIC-insured, and all of these credit unions are NCUA-insured. Choosing an FDIC-insured bank or an NCUA-backed credit union assures that your money is protected as long as it stays within insurance limits and requirements.