Everything Account
No more choosing between five different checking or savings accounts to get what you really want.
That means no minimum balance fees, overdraft fees, maintenance fees, or foreign transaction fees — to name a few.
Most banks advertise high interest rates to reel you in — then hit you with qualifications most of us don’t meet. With nbkc, what you see is what you get.
Works with apps like Apple Pay,
Venmo + more
There are over 34,000 of them.
Find one here.
Plus we’ll reimburse you up to
$12/month in fees when you use any
other ATM.
Our Pay Bills feature is free and easy to use.
Schedule automatic recurring or one-time payments
right from your bank account so you never lose track
of what’s due when.
Goals are like virtual piggy banks that help you save for things like new sneakers, a new car, a down payment... or as a general savings goal. Or both.
Transfer money instantly from checking to your Goals.
Add funds or cash out anytime.
Earn the same high-yield interest on your Savings Goals and checking account balances — no minimums required.
See your nbkc activity and link all your external accounts to get a bird’s eye view of your finances — credit cards, loans, investments, and more.
Set budgets or spending categories to see where your money is going. Nice.
No minimum balance
According to the FDIC, the national average is .03%APY
Our primary responsibility as your bank is keeping your money secure. This means transactions go through extra layers of security - particularly in the first 30 days - which can be a bit frustrating at first, but it is absolutely for good reason—protecting your account(s) from fraud and other illegal activity. Here are some potential delays with transactions that you should know about when you open an account with us.
Since we like to keep it real with you, here are some delays you should know about when you open a new account with us.
Deposits made within the first 30 days of opening a new account will be held for 5 business days or sometimes up to 9 business days before the funds are made available.
We know this is super frustrating — but this standard industry practice is for a good reason. When you’re a new customer, banks need to get familiar with your typical activity to help prevent fraud and keep your account secure. Until we’ve built up a little history together, we may need some extra time to review new deposits. In most cases funds are available within 5 business days, but not always.
New accounts are subject to at least 90 days of activity review before we can approve international wire transfer capabilities.
This is a typical industry standard process and once again, helps us protect the integrity of your account and reduce fraudulent activity. Some accounts may not be approved to make international wire transfers, but that’s rare.
Wire transfers are also one of the few banking capabilities you’ll pay to use.
We don’t call it a fee, because you’ll only pay what it costs us to make the transfer — nothing extra — and it’s lower than what most banks charge.
Domestic wires
Send: $5/wire
Receive : free
International wires
Send or receive: $45/wire