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All the features you want in a checking account. And a few more.

  • No minimum balance
  • No monthly fees
  • 20x the national average interest rate2
  • Direct deposit up to two days earlier3
  • No-fee overdraft coverage
  • ATM fee refunds4
  • Access to 90,000+ ATMs globally
  • FDIC insured up to $250,0005

You’re looking at an award-winning bank.

model of a small house

4.9 out of 5 average customer rating!
Based on 25,000+ Customer Reviews

Now it’s time for us to ask you a question.

Wish your checking account worked a bit harder for you?

1 APY = annual percentage yield | Rates effective as of - 10/17/2025. 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 10/17/2025 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.