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nbkc Everything Account: A High-Yield Checking Account with $0 Monthly Fees
The nbkc Everything Account combines a checking account APY that is 20x the national average with $0 monthly fees, plus a debit card. It’s one account for checking, saving, and earning.
Apply in minutes
A High-Interest Checking Account with $0 Monthly Fees and No Minimums
The nbkc Everything Account’s rate is currently
1.75% APY1
which is 20x the national average for checking accounts.3
A lot of checking accounts will offer no monthly fees and a nice digital banking experience. The nbkc Everything Account has both of those things, and more: It’s a high-yield checking account that combines no monthly fees with serious interest.
That means you get:
- A checking account with $0 monthly fees
- A great digital banking experience
- A high APY so your money grows on its own while you keep living your life
Checking account features you’ll love
We don’t call it the nbkc Everything Account for nothing. This account combines checking, saving, and earning in one location.
Get cash quicker.
Direct deposit up to two days earlier than the standard deposit time.2
A debit card with no monthly fees.
The nbkc Everything Account does not have monthly fees.
Built-in budgeting tools.
Our handy Financial Snapshot tool means you can budget directly in your banking app.
High-yield checking without hidden requirements
There are high-yield checking accounts that offer rates near 5% APY, but there’s usually a catch: Most high-rate accounts require meeting monthly activity rules like debit card purchases or deposit minimums.
The nbkc Everything Account is a great alternative for folks who want a high-yield checking account with no monthly spending requirements, no minimums, and no monthly fees.
Plus, there are customizable, online Savings Goals.
The nbkc Everything Account allows you to create Savings Goals - customized folders for you to save toward specific future plans. 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
This built-in savings feature does a lot of work for you. 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.
Named a 2026 Best Checking Account by NerdWallet and Forbes
NerdWallet gives the nbkc Everything Account 5/5 stars and rates us as “best for high APY,” and Forbes named nbkc as one of the best checking accounts for our combination of high API and no minimum balance requirements.
“The nbkc Everything Account has an interest rate of 1.75% APY and has no monthly fees, minimum deposit requirements or overdraft fees,” NerdWallet says. “It’s uncommon to earn such a high rate on a checking balance with no costs or hoops to jump through.”
Open a checking account online, or in person
We’re Kansas City proud, with banking services available online nationwide. You can apply for an account online in minutes. Or, if you’re here with us in Kansas City, you can visit any of our branch locations to apply for your checking account in-person with friendly support from our bankers.
Compare the nbkc Everything Account to other checking accounts
Our account offers higher APY, more ATM access, and customer support from humans, not bots.
| Checking Account | No Monthly Fees | APY | ATM Network | Branch Options |
|---|---|---|---|---|
| nbkc bank | Yes | 1.75% | 90,000 | Yes |
| Chase | No | 0% | 15,000 | Yes |
| SoFi | Yes | 0.50% | 55,000 | No |
| Capital One | Yes | 0.10% | 70,000 | Yes |
| Ally | Yes | 0.10% | 75,000 | No |
| CommunityAmerica | Yes | 0% | 30,000 | Yes |
| Commerce | Yes | 0% | 55,000 | Yes |
| UMB | Yes | 0% | 211 | Yes |
All data sources provided below.
Hear what others are saying about the nbkc Everything Account
“Very easy and user friendly, adding Savings Goals and additional accounts has been very easy as well so I would highly recommend.”
“I will be recommending nbkc to friends and family. Opening a bank account doesn’t get easier than this. Absolutely love it. Thank you to everybody at nbkc.”
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.
Automatic access
to The Giving Center
Every nbkc Everything Account customer will have easy access to donate to IRS-recognized charities within the Mobile App.
Questions we get asked about the nbkc Everything Account, frequently.
A high-yield checking account is a checking account with high APY. In plain English, it means that your money earns interest while it sits in your bank.
Yes, high-yield checking accounts are worth it. That’s especially true when they come with no monthly fees, a great mobile app, and the backing of a FDIC-insured bank like nbkc.
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
Table Sources Reference List
- nbkc bank: nbkc Personal Banking & Rate Table
- Chase Bank: Chase Personal Checking Accounts
- SoFi: SoFi Checking & Savings Features
- Capital One: Capital One 360 Checking Accounts
- Ally Bank: Ally Interest Spending & Checking Overview
- CommunityAmerica Credit Union: CommunityAmerica Personal Checking
- Commerce Bank: Commerce Personal Checking Accounts
- UMB Bank: UMB Bank Checking & Branch Comparison
1 APY = annual percentage yield | Rates effective as of - 09/18/2026. APY is variable and subject to change at our discretion, without prior notice. Fees could reduce the earnings on the account. 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 09/18/2026 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.