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Kick Off Your
$500 Bonus
Open a new nbkc Everything Account, deposit $500 or more, switch your qualifying direct deposit within 30 days, then get $500 bonus6 and an Owala® water bottle when you stop by one of our branches
All the features you want in a checking account.
And a few more.
We don’t call it the nbkc Everything Account for nothing.
Technically, we call it that for everything.
Get cash quicker.
Direct deposit up to two days earlier than the standard deposit time.2
Forget monthly fees.
This account does not have monthly fees.
Balance your budget.
Our handy Financial Snapshot tool in the palm of your hands.
Plus, there are customizable, online Savings Goals.
Think of them like virtual piggy banks that earn the same 1.75% APY1 as the rest of your cash.
Down payment
for a house
Trip to the
Eiffel Tower
A shiny,
new-to-me car
Set a target date. Set the amount. Then we’ll do the math for how much you need to set aside on an ongoing basis to reach your Savings Goal.
The nbkc
Everything Account
- Easy sign-up
- No monthly fees
- Earns interest
- No minimum balance to earn
- No tiers to earn the highest rate
- Surcharge-free ATMs4
- A sleek debit card
- Award-winning customer service
- FDIC insured up to $250k5
Other Checking Accounts
- A gauntlet of quests proving your worth
- “No fees” as code for hidden fees
- Cash collects dust
- Give me all your money
- Best rate handcuffed to highest minimum
- Financial wrist slaps at ATMs
- A not-nearly-as-sleek debit card
- Elegant hold music for phone calls
- FDIC insured (okay, we’ll give them that one)
Certified low-cost account.
The nbkc Everything Account has earned Bank On certification for meeting the National Account Standards, offering a low-cost account.
Questions we get asked about the nbkc Everything Account, frequently.
No sweat. We can guide you through breaking up with your other bank, dotting your Is and cross your Ts.
You put money into it, preferably from a job depositing it directly. And that money earns money. In this case, 1.75% APY1
Get access to 90,000+ ATMs globally. Plus, we’ll reimburse you up to $12/month in fees for out-of-network ATMs.
At a branch or get access to 90,000+ ATMs globally. Plus, we’ll reimburse you up to $12/month in fees for out-of-network ATMs.
Our app is easy to use and easy to deposit checks from. If you want the check to turn directly into cash, head to one of our branches.
Depends on if you like earning money on your money that typically just sits in a checking account.
Oh yeah. Including your Savings Goals.
Not everybody does this, but the only requirement to earn our high APY is a balance of at least $0.01. The return on a single cent isn’t much, so if you want to earn more, you’ll want to carry a higher balance.
Our high-yield checking account has no monthly fees. The other ones out there from other banks, well, that’s their business.
We’re FDIC-insured which means you have protection for up to $250k.5
1 APY = annual percentage yield | Rates effective as of - 06/08/2026. APY is variable and subject to change at our discretion, without prior notice. Minimum balance required to obtain APY is $0.01.
2 Early access to direct deposit funds depends on the timing of the payer’s submission of deposits. We generally post such deposits on the day after they are received, which may be up to 2 days earlier than the payer’s scheduled payment date.
3 Based on the FDIC average national deposit rate for checking accounts as of 06/08/2026 available at fdic.gov/regulations/resources/rates/
4 nbkc will reimburse you up to $12/month in fees for out-of-network ATM
5 nbkc bank deposits are insured by the FDIC up to $250,000 per depositor. Read more from the FDIC.
6 Eligibility requirements – Offer applies to recipients of this email and anyone at the Leawood 3v3 For the Goal event. Offer applies to newly opened and funded Everything Accounts and is not available to existing nbkc bank customers or individuals who have owned an nbkc Everything Account in the last 12 months. To be eligible for the $500 bonus credit, your initial deposit must be $500 or greater and you must have at least one qualifying direct deposit coming into the account. The direct deposit must be set up within 30 days of opening the account. A qualifying direct deposit is an electronic deposit of wages, pension, government benefits, or similar recurring income. Account must be opened and funded by 11:59pm CST Friday August 14, 2026. Only one account per name may be opened for the eligible offer. The $500 deposit will be credited to your account within 60 days of funding your new Everything Account. The bank may issue an IRS Form 1099, or other applicable tax document(s), reflecting the bonus. Account applications are subject to the bank’s identity verification procedures and approval..
You must have proof of opening your new nbkc Everything Account and show a funded balance of $500 within the nbkc mobile banking app at one of nbkc bank’s two Kansas branch locations to receive an Owala® water bottle. The Owala® water bottle incentive is available to the first one hundred (100) eligible participants who complete account opening requirements by August 14, 2026. Availability is limited and will be fulfilled on a first-come, first-served basis at the two nbkc bank Kansas branches while supplies last. No substitutions or cash equivalents for promotional items. This promotion is governed by Kansas law.