NBKC Bank (officially stylized as nbkc bank) is an excellent choice for business owners looking for a free checking account with $0 fees for common banking services
Since NBKC is primarily an online bank, it’s a great fit for businesses that don’t require access to in-person banking services.
Why You Can Trust Fit Small Business
How I Evaluated NBKC Bank Business Checking
I used a few different methods to evaluate the NBKC business checking account. First, I looked at as much information as possible on the bank’s website to ensure I had a good overview of the checking account structure. I also read online reviews from account holders and even compared them with competitors.
Since NBKC is a traditional bank with in-person services, I compared it with similar banking models for pricing, ease of use, features, and software integrations. NBKC is comparable and also proved to offer a $0 checking account with numerous free services, which are not often offered at similar traditional banks.
Terms & Features
| Opening Deposit Requirement | $0 |
|---|---|
| Monthly Maintenance Fee | $0 |
| APY | N/A |
| ATM Fees | $0 if using an NBKC Bank-owned ATM or an ATM in the MoneyPass® Network |
| ATM Fee Reimbursement | NBKC Bank will reimburse up to $12 a month in ATM fees for the use of any other ATM |
| Other Standout Features | Desktop check deposit, business fraud prevention tools, iPhone tap to pay, cash management, online banking, bill pay |
Use Cases
- Business owners seeking a free business account: NBKC Bank has a large list of items included for free with its business checking account.
- $0 required to open
- $0 minimum balance
- $0 business debit card
- $0 overdrafts
- $0 NSFs
- $0 business online banking
- $0 bill pay
- $0 for check deposits
- $0 eStatements
- $0 stop payments
- $0 incoming domestic wires
- Businesses needing great treasury management solutions: The online banking portal for NBKC Bank has optional features that can be activated if needed. These include:
- ACH credits for vendor payments and payroll
- ACH debits to request funds from customers
- Electronic funds transfer
- Fraud management with authorized debit payments
- Cash management assistance with a business solution specialist
NBKC Bank Business Checking Alternatives & Comparison
| Monthly Fee | Monthly Transaction Limit Before Fees | Monthly Cash Deposit Limit Before Fees | Geographic Availability | |
|---|---|---|---|---|
 The Business Account | $0 | Unlimited | $0 | Branches in Kansas and Missouri; online availability for all states |
| Visit NBKC Bank | ||||
 Business Essentials Checking | $0 | Unlimited digital transactions and 25 free teller transactions | 25 free cash deposits, then 50 cents each | 26 states |
| Visit U.S. Bank | ||||
 Business Checking | $0 | Unlimited | Not accepted | Online in all states |
| Visit Novo | ||||
 | $0 | Unlimited | Unlimited | Online in all states |
| Visit Bluevine | ||||
Best For | Learn More | |
|---|---|---|
 | Business owners needing access to in-person banking: While NBKC Bank has branches in Kansas and Missouri, many customers may be outside that service area. For those needing access to a larger branch network, U.S. Bank has a banking footprint spanning across a larger number of states. | Read our U.S. Bank business checking review |
 | Businesses wanting quicker access to Stripe payouts: NBKC Bank offers incoming payment posting to business accounts; however, there is a wait time before the deposit is available. For businesses needing faster access, Novo offers Novo Boost, posting Stripe payments up to 75% faster. | Read our Novo business checking review |
| Businesses looking for an interest-bearing checking account: NBKC does not offer any interest-bearing business checking account. Meanwhile, Bluevine offers eligible customers 1.3%-3.25% APY on one of its business checking accounts for those wanting to capitalize on their investment. | Read our Bluevine business checking review |
NBKC Bank Business Checking Reviews From Users
Note: The reviews listed below are for the bank as a whole. There were no specific reviews listed for the business checking accounts individually.
| Users Like | Users Dislike |
|---|---|
| Mortgage loan process is smooth | Hold times are lengthy for phone support |
| Rates are competitive | After-hours phone support is unavailable |
| Mobile app is very intuitive | Occasional slowness on the mobile app |
Since NBKC has a large mortgage division serving the entire US, many of the reviews were written about loan experiences. The WalletHub[1] and Trustpilot[2] reviews were largely related to the mortgage department. Those ratings are very close to 5 stars since the lenders received so many outstanding reviews. There were some additional reviews left for the branch members who assisted customers with various banking issues with success.
I did notice a handful of feedback from customers who felt their accounts were allegedly closed in error, or funds were not handled properly. The great reviews are far more numerous than any negative ones.
Lastly, I reviewed the mobile app platforms for IOS and Android. Overall, users have a good experience with the app except for occasional slowness, which is typical with mobile devices and internet signals. In general, the overall rating of the four sites combined is 4.6 out of 5 stars—which is outstanding.
Here’s how NBKC Bank scored on third-party review sites:
- WalletHub[1]: 4.9 stars out of 5
- Trustpilot[2]: 4.8 out of 5
- Google Play[3]: 4.3 out of 5
- App Store[4]: 4.4 out of 5
NBKC Bank Business Checking Overview of Terms
| Required Opening Deposit | $0 |
|---|---|
| Monthly Fees | $0 |
| APY | N/A |
| Transaction Limit Before Fees | $0 |
| Cash Deposits | Unlimited |
| Standard and Same-day ACH Fees | ACH is charged as a service; $15 monthly or $150 annually |
| Domestic Wire Transfer Fees |
|
| International Wire Transfer Fees |
|
| ATM Fees | $0 if using an NBKC Bank-owned ATM or an ATM in the MoneyPass® Network
|
NBKC Bank Business Checking Requirements
Required documents may vary state by state, depending on your entity type. Some of the documents NBKC may request depending on the entity are the following:
- Articles of Incorporation
- Articles of Organization
- Proof of EIN
- Partnership Agreement
- Fictitious Name Certification
- Copy of government-issued ID
NBKC requirements for a business account:
- The business must be located in the US
- You’re a permanent resident of the US or legal status
- Provide a valid mailing address within the US
- Provide your Social Security Number
How to Open an NBKC Bank Business Checking Account
- Step 1: Visit the NBKC website.
- Step 2: Choose Business in the menu at the top of the page.
- Step 3: Click the Get Started button
- Step 4: Enter your email address and click the box to confirm you agree to the privacy policy, electronic signature, and records policy.
- Step 5: Click Next.
- Step 6: Confirm your email address via the code sent to your email.
- Step 7: Follow the prompts to continue the application process.
NBKC Bank Business Checking Features
Debit Card
Debit cards are available to all NBKC Bank account holders. To order a new card, call 866-931-0850. Cards typically arrive in 7 to 10 days.
Physical Checks
To order checks for your NBKC account, follow these steps:
- Log in to online banking with the NBKC Mobile App or visit nbkc.com.
- Select Solutions and then Check Reorder.
- Enter NBKC’s Routing Number (101014869).
- Enter your NBKC Account Number.
- You can view your number in Online Banking by selecting the Account and then Details & Settings.
- Enter the ZIP code associated with your account.
- Select Personal or Business, and then Continue.
- If you have ordered checks previously, you can see previous orders. If this is your first order, select Continue to initiate a new order.
Accounting Software and Business Payment Integrations:
NBKC Bank partners with Autobooks, allowing business customers to create invoices in minutes and collect funds. It also has a robust reporting module to keep track of paid and past-due invoices.
Customer Service
You can reach customer support in a few ways:
- Live chat: Log into nbkc.com and then look for the blue chat bubble on the bottom right-hand corner of the screen. Available Monday to Friday, 7 a.m. to 6 p.m. Central Standard Time (CST), and Saturday, 9 a.m. to 1 p.m. CST
- Phone support: 866-931-0850, available Monday to Friday, 7 a.m. to 6 p.m. CST
- Email: customersupport@nbkc.com
Other NBKC Bank Business Products
NBKC Bank offers a number of additional business products.
Business Solutions
Managing business finances is easier with the right tools. NBKC Bank has five additional tools that can be added to your business checking account.
- Tap to pay allows you to use your iPhone to pay or get paid.
- Disbursement products are offered, such as ACH, which allows you to initiate payments electronically for payroll, vendor payments, taxes, or expenses.
- Fraud management is a service offered by NBKC Bank to help prevent losses through ACH or fraudulent checks by processing payments you have authorized to be paid from your account.
- Collections are easy at NBKC by using ACH Debits to collect payments electronically directly from your vendors.
- Cash management is available to optimize available funds and maximize interest through the help of a business solutions specialist.
Business Loans
A variety of business loans are available at NBKC Bank:
- Commercial lending
- Real estate and construction loans
- SBA loans
- Business line of credit
- Equipment loans
Business Certificate of Deposit (CD)
NBKC offers high-earning business savings for those with reserve funds. Current CD accounts are:
| CD Term | APY* | Minimum Deposit |
|---|---|---|
| 7-month | 4.5% | $1,000 (special rate) |
| 11-month | 4.5% | $1,000 (special rate) |
| 1-year | 2.5% | $1,000 |
| 2-year | 2.75% | $1,000 |
| 3-year | 3.25% | $1,000 |
| 4-year | 3.25% | $1,000 |
| 5-year | 3.25% | $1,000 |
*Rates effective as of 11/18/2024
Frequently Asked Questions (FAQs)
Is NBKC a legit bank?
Yes. NBKC is a well-established bank headquartered in Kansas City, Missouri. It was named Kansas City’s strongest large bank in a press release from the Kansas City Business Journal[5] on April 17, 2023.
How long has NBKC Bank been in business?
NBKC recently celebrated its 25th anniversary. It was established in 1999 in Kansas City, Missouri.
NBKC recently celebrated its 25th anniversary. It was established in 1999 in Kansas City, Missouri.
Qualifying for a business account requires that you have a valid mailing address in the US, your business operates in the US, and you are a permanent resident. You will also need your Social Security number and all the formation documents for your business, depending on entity type.
Bottom Line
Businesses across the US are eligible to apply for an account at NBKC Bank. It offers one of the few $0 accounts that truly has no fees for common banking services. Additional services are available to make cash management easier. NBKC has an average user review rating of 4.6 out of 5 stars, which is one of the highest ratings I’ve seen in a long while.
It also offers lending options and savings options for businesses of all sizes. In-person banking is available to customers in Kansas and Missouri, with a robust online banking platform for customers in other states.
User review references:
[1]WalletHub
[2]Trustpilot
[3]Google Play
[4]App Store
[5]Kansas City Business Journal
