FDIC insured

Inclined and nbkc bank

Your Financial
Life, Simplified

nbkc app on a smartphone

Banking built to complement your strategy.

If you’re leveraging your whole life policy for access to capital, you already think differently about money. At nbkc bank, we do too.

From everyday banking to saving smarter and financing what’s next, we offer simple, flexible tools that help you stay in control - and keep your money working for you.

Everything starts with the Everything Account.
The account that does more.

The nbkc Everything Account is your go-to for everyday banking, with built-in tools to help you spend, track, save, and earn - all in one place.

  • 1.75% APY1 interest-earning checking (which is 20x the national average)3
  • No monthly fees and no minimum balance
  • Early direct deposit (up to 2 days sooner)2
  • 90,000+ surcharge-free ATMs + fee reimbursements4
  • Built-in Savings Goals and budgeting tools

Put your extra cash to work.
High-yield savings options that keep it simple.

Whether you’re parking liquidity between opportunities or building reserves, nbkc gives you straightforward ways to grow your balance.

Personal Money Market

  • Competitive 3.00% APY1 on all balances
  • No monthly fees or minimum balance
  • Easy access when you need it

CD

  • Predictable returns for longer-term savings
  • A simple way to earn more on funds you don’t need immediately
  • Click here for current rates

Smart move: Pair your liquidity strategy with a place to earn while you wait.

Flexible borrowing options when you need them.

Your financial strategy isn’t static, and your lender shouldn’t be either.

Home Loans

Buying or refinancing?

Our team can help you secure the right mortgage for your goals.

HELOC

Tap into your home’s equity to fund renovations or just to create additional financial flexibility. You have options when it comes to accessing capital, and we’re here to help you use them wisely.

Own a business, too? We’ve got that covered.

If you’re an entrepreneur or business owner, nbkc offers competitive business banking designed to help you run smoothly.

A better way to bank.

You’ve already chosen a smarter approach to your finances. Your bank should match it.

At nbkc, we keep things simple, transparent, and built around you—so you can focus on what’s next because what’s next starts here.®

1 APY = annual percentage yield | Rates effective as of - 11/04/2026. 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 11/04/2026 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.