About North American Savings Bank
North American Savings Bank is a mid-sized regional bank founded in 1922 as the City Building and Loan Association in St. Louis, Missouri. The bank changed its name to North American Savings Association in 1927 and then to North American Savings Bank in 1990. The bank operates eleven branches in the Kansas City, Missouri, area.
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North American Savings Bank Overview
North American Savings Bank is a mid-sized regional bank that operates in the Kansas City, Missouri area. The bank offers a wide variety of banking products, such as CDs, checking, money market, and savings accounts. Customers are allowed fee-free access to more than 40,000 MoneyPass ATMs nationwide.
| Competitive APYs on some CD products. | CDs must be opened in-branch. |
| Large selection of savings accounts. | Some accounts have relatively high minimum opening deposit requirements. |
| Fee-free access to more than 40,000 MoneyPass ATMs nationwide. | Most non-CD accounts have monthly service charges. |
| High-yield savings account offered with a competitive APY. |
North American Savings Bank Product 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. North American Savings Bank offers several CDs with terms varying from three months up to five years. All CDs require a $1,000 minimum opening deposit, and only their special CDs offer competitive APYs. Here are some of their best CD offerings for the month! and 2025:
Checking Accounts
A checking account is a transactional account for everyday expenses. You can use it to make purchases, write checks against the account to pay bills, etc. North American Savings Bank offers several different personal checking accounts. Most of the accounts offer APYs below the national average of 0.01% for checking accounts. All accounts have a low or no monthly service charge that can be easily waived by meeting certain minimum balance requirements. 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. North American Savings Bank offers one personal money market account. Here are the account details for April 2025:
Savings Accounts
A savings account is a type of bank account that allows you to save your money while earning interest. North American Savings Bank offers several personal savings accounts, two of which are high-yields savings accounts. All accounts have varying minimum opening deposit requirements and some assess monthly service charges. Here are the latest savings account details for April 2025:
Bank Fees
Overdraft fee: $32
Non-sufficient funds fee: $32
Savings and Money Market Account withdrawal fee: None
Account closure fee: None
Non-network ATM fee: None
Stop Payment fee: None
Monthly service charge: $6-8 depending on the type of account
Paper statement fee: None
North American Savings Bank Features
North American Savings Bank's customer service line is available Monday through Friday from 7:30 a.m. to 5:30 p.m. CST. The bank offers an automated telephone line that is available 24 hours a day, 7 days a week, for basic account information and changes. Customers have fee-free access to more than 40,000 MoneyPass ATMs available nationwide. The bank also offers a mobile app to process transactions and manage your bank account.
North American Savings Bank FAQs
Our Take
North American Savings Bank is a mid-sized regional bank with eleven branches in Missouri. It offers a full range of accounts, such as CDs, checking, money market, and savings accounts, for personal customers only. Only the two special CDs offer competitive APYs, but they must be opened in-branch only. All non-CD accounts must be opened at a branch, which is a drawback for customers who like to bank online. The bank does offer fee-free access to its customers at more than 40,000 MoneyPass ATMs nationwide. North American Savings Bank may be a good option for residents of Kansas City, Missouri, where the majority of the bank's branches are located. Most accounts must be opened in-branch, which limits the bank's reach to Missouri residents. For those people, the bank does offer two CDs with above-average APYs as well as two high-yield savings accounts that can help grow funds at a higher rate.
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.