There are a lot of moving parts to keep track of when you’re switching to a new bank.
But don’t stress. Here’s an easy step-by-step to get started.
Sign up for online banking
This one’s a no-brainer. nbkc is a mobile bank ⏤ available wherever you are with our online portal. It’s like having a local branch right in your pocket, and it gives you all the features you need to bank like a boss. To get the most out of your account, you can’t really skip this step.
Plus, it’s really simple to set up.
Just follow this link and fill out the form.
Download the mobile app
Once you’ve got your online banking credentials set, download the mobile app so you can access your account wherever you are ⏤ on the couch, at the store, on the beach (but probably not while driving).
The app is everything you need, and nothing you don’t. It’s easy to navigate your accounts, deposit checks, pay your bills, and track your spending. And of course it’s available for both iOS and Android devices.
Opt-in to eStatements
Paper statements are a drag, right? Do I keep them? Throw them away? What if I don’t have a shredder? Do I really need to read them?
eStatements solve that problem. They’re online (like us), kept all in one place, super secure, and don’t take up any space in your “Important Documents” drawer.
Joy = sparked.
Plus no trees are harmed in the process ⏤ they’re eco-friendly as heck!
There’s literally no reason not to opt-in. You can do it from the “Settings” tab in the online banking portal.
Big Deposit Energy
nbkc definitely puts the FUN in FUNDED. (Sorry...)
Once you’ve got money in the bank, you can actually use it for stuff.
Bills. Brunch. Battlestar Galactica? Yes to all that.
Here’s how to fund your account:
When can I use the money I deposited?
- The first funding deposit is available within 6 business days after your account is opened.
- Electronic transfers, direct deposits, and incoming wire transfers are typically available as soon as we receive them.
- Most check and ATM deposits are available the next business day, but access to funds may be delayed up to 4 business days if it’s a weekend or holiday. Questions? Check out the full funds availability spiel here.
How do I pay bills or send money from my account?
- Pay bills with our Bill Pay feature ⏤ available via online banking and the mobile app. Set up is easy.
- Send money by linking your account with third parties like PayPal, Venmo, CashApp, Apple Pay, Google Pay + more.
- Transfer money to external accounts (limited to $500/day and $2k/month for the first 90 days, then limits typically increase to $1k/day and $10k/month)
What about my debit card?
We’re glad you asked.
Once you get your card in the mail (it’s a MasterCard®), dial the number on the front to activate it. You’ll set up your PIN while you’re on the call, too.
Then you can start using it right away.
It’s Apple Pay, Samsung Pay, and Google Pay compatible, of course. And our Pay People feature lets you use your debit card to pay people (get it?) right from our mobile app.
You can use it fee-free at any MoneyPass® ATM. (Here’s where to find one near you)
If you can’t find one, we reimburse you up to $12 in ATM fees per month when you use any non-MoneyPass® ATM. (Nice!)
And if you’re traveling abroad, we don’t charge you a foreign transaction fee when you use your card. (Just make sure to tell us you’re traveling so we know it’s not fraudulent. Contact us at 913-253-0170 before you leave.)
What about switching over all my monthly bills?
First, move over the big bills you know you can’t cancel - utility bills, streaming services you use all the time, gym memberships, etc.
Then check your old bank activity for any recurring charges, and update your payment info for each account as you go. (This is a great time to take stock of what you’re paying for and cancel the stuff you don’t use anymore - win/win!)
Tip: Plan to keep your old bank account open for a while until all your payments are moved over.
Once you’ve got it all switched, give your old bank a call and close your old account. You can usually have them transfer any remaining balance, and they’ll let you know if there’s anything else outstanding you need to take care of before you go.
Now you can look forward to more money in the bank with our no-frills, no-fees, no-fuss checking and savings accounts.
Don’t have an nbkc bank account yet?
Don’t let the logistics of switching stop you from choosing a better bank. nbkc offers a ton of ways to help you Do Money Better ⏤ from checking and savings to business accounts to home loans. We offer simple solutions for real people like you.
Find out for yourself.