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The nbkc Everything Account is a high-yield checking account that does it all.
Get a good rate from a good account.
Apply in minutes
This checking account rate is currently
1.75% APY1
That’s 20x the national average.3
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.
It’s not nice to call people names but Nerdwallet did call the nbkc Everything Account one of the best checking accounts of 2024, which was pretty nice.
We’re Kansas City-proud, with satisfying services and satisfied customers nationwide.
“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.
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
Ours is a fixed rate so there’s no gotchas or bait-and-switch. The high rate is your rate.
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 - 07/05/2025. 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 07/05/2025 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.