nbkc bank® Everything Account Receives National Certification By Banking Advocates for Safety and Affordability

Account meets CFE Fund’s Bank On National Account Standards for safe and affordable consumer transaction accounts

Kansas City, Mo., September 11, 2025 – nbkc bank announced that its Everything Account was officially certified by the national Cities for Financial Empowerment Fund (CFE Fund) as meeting the Bank On National Account Standards (2025 - 2026). The national safe account standards, co-created by consumer advocates, leading national nonprofit organizations, civic leaders, and other financial institutions, designate more than 25 core and strongly recommended features that ensure low cost, high functionality and consumer safety.

“The Cities for Financial Empowerment Fund is delighted to award its national Bank On account certification to nbkc bank’s Everything Account,” said Jonathan Mintz, President and Chief Executive Officer of the Cities for Financial Empowerment Fund. “The Everything Account offers consumers nationwide who are looking to improve their finances a safe, affordable, and truly useful mainstream banking product to access and manage their money. nbkc’s offering of this terrific account brings them into the forefront of national banking access efforts, and we thank them.”

Key features of the Everything Account include a competitive interest rate, no monthly maintenance fee, no minimum balance requirement or fee, and no minimum opening deposit. Additional features include no overdraft or nonsufficient fund fees, the ability to pay bills and make purchases, and federal deposit insurance. Account holders also have access to over 90,000 surcharge-free ATMs worldwide, a debit card, online and mobile banking with built-in savings goals, and early direct deposit access, up to two days early.

“We are pleased to receive certification from the CFE Fund, as we share their goals on behalf of consumers,” said Melissa Eggleston, executive vice president and chief deposit and operations officer at nbkc bank. “Our Everything Account combines value and simplicity and is a great choice as a one-stop banking solution available nationwide.”

“In addition to being an excellent financial product for any consumer nationwide, this account is built to serve low- and moderate-income individuals along with the nation’s unbanked and underbanked communities,” said Tyler Tilden, CRA & Fair Lending manager for nbkc bank. “Years ago, nbkc made the conscious choice to create accessible banking products that help people get access to simple, affordable, and beneficial accounts. This banking strategy demonstrates our shared commitment with the CFE Fund and Bank On: getting underserved communities banked with quality products.”

The goal of Bank On is to ensure that everyone has access to safe and affordable financial products and services. The Bank On National Account Standards identify critical product features for appropriate bank or credit union accounts, making it easier for local coalitions across the country to connect consumers to accounts that meet their needs.

Data collected by the CFE Fund in partnership with the Federal Reserve Bank of St. Louis through Bank On’s national reporting platform shows that these accounts are meeting consumers’ needs; since their offering, millions of consumers have opened Bank On certified accounts, with approximately 85% of them opened by consumers new to the financial institutions.

The CFE Fund leads the national Bank On movement, supporting 100 local coalitions working to connect individuals and families to the financial mainstream through partnerships between governments, financial institutions, and community organizations.

nbkc bank is part of Bank On KC, formed in 2021 as part of the national Bank On movement to help connect consumers to safe and affordable banking products certified as meeting CFE Fund’s Bank On National Account Standards.

“The Bank On Kansas City coalition is excited to have nbkc recertify their Everything Account for 2025-26,” says Stacy Purvis, Director of Business Development at CHES, Inc., and leader of Bank On Kansas City. “This nationally certified account provides an opportunity for everyone to access safe and affordable financial products and services. By taking this important first step, individuals and families can build a solid foundation which will help them reach all their financial goals. nbkc and Bank On KC are committed to providing these tools and opportunities to assist them on this journey.”

About nbkc bank 

Having marked its 25th anniversary in 2024, nbkc is a mainstay in the Kansas City region and a diversified online banking company with a national scope. Known for combining intuitive technology and personal support to create exceptional client experiences, nbkc offers online mortgage and consumer banking nationally; community and commercial banking throughout its home region of Kansas City; and banking as a service to fintech companies across the U.S. The bank is also known for starting Fountain City Fintech®, an accelerator program initiated to support fintech startups. Formed in 1999, nbkc continues to pursue its mission of leading the industry to simpler and more transparent banking. Member FDIC. Equal Housing Lender.

About the Cities for Financial Empowerment Fund (CFE Fund) 

The CFE Fund supports municipal efforts to improve the financial stability of households by leveraging opportunities unique to local government. By translating cutting-edge experience with large-scale programs, research, and policy in cities of all sizes, the CFE Fund assists mayors and other local leaders to identify, develop, fund, implement, and research pilots and programs that help families build assets and make the most of their financial resources. The CFE Fund is currently working in over 145 cities and counties, and has disbursed over $70 million to local governments and their partners to support these efforts. For more information, please visit www.cfefund.org or follow us on Bluesky at @cfefund.bsky.social. To learn more about Bank On and the National Account Standards click here, or follow the conversation on Bluesky @cfefund.bsky.social #BankOn.

About Bank On 

The CFE Fund’s national Bank On movement supports local coalition and financial institution efforts to connect consumers to safe, affordable banking accounts as a fundamental component of financial stability. Already, 500 accounts at banks and credit unions nationwide – representing over two-thirds of the national deposit market share – are certified as meeting the Bank On National Account Standards, which designate both core and strongly recommended features that ensure low cost, no surprise fees, high functionality, and consumer safety. More than 100 Bank On coalitions across the country are working to connect unbanked and underbanked individuals to certified accounts, often through leveraging large-scale government program and payment opportunities. Visit www.joinbankon.org for more information.