NBKC Bank is a privately owned bank that prides itself on simplicity. You’ll find a concise list of checking and savings accounts and CDs — all with no fees and no hidden fine print. But if you prefer face-to-face communication, you may want to explore other banks if you live outside of Kansas or Missouri.
NBKC Bank offers a suite of banking products for personal and business use, all with online banking access.
The Finder Score crunches over 300 checking accounts from hundreds of financial institutions. It takes into account the product's monthly fees, overdraft fees, opening deposit, customer support options, ATM network and features — this gives you a simple score out of 10.
To provide a Score, Finder’s banking experts analyze hundreds of checking accounts against what we consider is the best option: no monthly fees, no overdraft fees, a large ATM network of 50,000 or more, additional features outside of typical banking services, and the optional perk of earning interest. Accounts that are nearly free to maintain and use are scored the highest, while accounts with costly fees and few features are scored the lowest.
Even though NBKC is an online bank, there are still several ways to access your money:
NBKC Bank is an FDIC-insured, full-service bank. Along with insurance, it protects your money with the help of sophisticated security systems, including multifactor authentication. You’ll have to authorize any high-risk transactions, and you can download NBKC’s Detect Safe Browsing app for free.
According to the Federal Financial Institutions Examination Council (FFIEC), NBKC Bank has a satisfactory Community Reinvestment Act (CRA) rating, which it earned in May 2017.
The bank is accredited with the Better Business Bureau (BBB) and boasts an A+ rating for its customer service and interactions as of September 2018. From 853 customer reviews, it scored an average five-star review rating. And in the past three years, just two complaints were registered with the BBB — both of which were related to mortgage lending and NBKC Bank quickly solved the issues.
The reviews are overwhelmingly positive on consumer websites, too. Customers praise the personalized customer service and appreciate how easy it is to open a business or personal account. While some account holders lament the lack of physical branches, others say the bank’s tech-savvy team and online and mobile banking tools bridge that gap.
NBKC Bank holds $432.7 million in deposits across its four US branches. While it isn’t in the top 50 bank holding companies in the country, it’s financially strong and boasts $631.5 million in assets. In the industry, the bank is best known for its mortgage lending and has amassed an impressive $411.9 million in loans and leases. As of December 31, 2017, it recorded a return on average investments (ROA) of 1.73% — which sits comfortably above the national average of 1%.
Thanks to these stats, NBKC Bank is a solid choice for personal and business banking. It appears to be most popular with consumers in the two states it has a physical presence: Kansas and Missouri.
The Finder Score crunches over 300 checking accounts from hundreds of financial institutions. It takes into account the product's monthly fees, overdraft fees, opening deposit, customer support options, ATM network and features — this gives you a simple score out of 10.
To provide a Score, Finder’s banking experts analyze hundreds of checking accounts against what we consider is the best option: no monthly fees, no overdraft fees, a large ATM network of 50,000 or more, additional features outside of typical banking services, and the optional perk of earning interest. Accounts that are nearly free to maintain and use are scored the highest, while accounts with costly fees and few features are scored the lowest.
If we had to use one word to describe NBKC Bank’s approach to banking, it’d be “streamlined.” You won’t find lengthy account names. Instead, the bank has a single personal and business account and offers flexibility with its CDs and credit cards. It has impressive customer reviews, though if you live outside of Kansas and Missouri, just know there won’t be a physical bank branch in your state.
Before signing the dotted line, compare your options with our comprehensive guide to bank accounts.
What is NBKC’s routing number?
The bank’s routing number is 101014869.
What is NBKC’s SWIFT code?
NBKC Bank doesn’t have a SWIFT code. Instead, it uses a corresponding bank for incoming foreign wires. If you’re receiving a transfer in USD, you can use these details:
Receiving bank: Bankers’ Bank of Kansas
SWIFT code: KAASUS41
Beneficiary bank: NBKC
Beneficiary bank account number: 101014869
Beneficiary: Your NBKC account name
Beneficiary account: Your NBKC account number
Where are NBKC’s physical branches?
NBKC Bank has branches in Kansas City and Liberty, Missouri, and Overland Park and Leawood, Kansas.
How can I open an account if I don’t live in Kansas or Missouri?
You can apply for a personal or business account online or over the phone.
Where can I find no-fee ATMs?
You can use your NBKC card at over 32,000 MoneyPass ATMs across the US for free. To find one near you, go to the MoneyPass website and enter your city and state or ZIP code.
How do I report a lost or stolen card?
During business hours, call 913-253-0170. On weekends and after hours, call 800-528-2273.
What can’t I use online bill pay for?
You can’t use the online bill pay service to make court-ordered payments or payments that go to a payment center, such as alimony or child support.
This primarily online bank has a free hybrid checking account that earns interest.