- Customer Service
- “No Gotchas” Philosophy
Very few online banks offer mortgages, but this is NBKC’s sweet-spot. The company’s website requires information like your process easier and its also easier with the . score, down payment, location, and type so that NBKC can give you a realistic estimate. This makes the
NBKC performs especially well with VA home loans. Over a third of its total mortgages are are waived for . VA and FHA loans from NBKC are available in all 50 states. Work with a you trust and receive great ., while nationally only for about 10 percent of all loans.
As it is an online bank and has few overhead costs, NBKC can offer competitive interest . Internet-based mortgages speed up closings with electronic signatures and fast paperwork with online documents. The application for a is also completed online. NBKC also offers options to refinance your home.
Costco members get additional discounts on with a NBKC as NBKC is part of Costco’s network. Benefits of its and processes.
Customers rave about the incredible they receive from NBKC’s knowledgeable, friendly, and attentive employees. Throughout a process, you work with one assigned rep that will answer your questions and help you find the best options for your personal situation. This excellent makes the experience easy.
“No Gotchas” Philosophy
NBKC doesn’t want to be like other banks with hidden no , no requirements, only $5 required to open an , and no overdraft . A personal or will also include a free checkbook, free mobile or desktop bill pay, unlimited , and free cashier’s checks. and fine print, so it strives to be as transparent and easy to use as possible. Personal accounts with NBKC have
This comes with an NBKC Debit Mastercard and access to a network of 32,000 free ATMs through the MoneyPass ATM network. If you need to use a different ATM, NBKC will refund up to $12 monthly in ATM from any other bank around the world. The NBKC acts as an interest-bearing with an of 1.01 percent. This is a huge advantage as most other checking accounts won’t earn you any interest, and the interest in a traditional at a brick and mortar bank is often as low as .01 percent.
- Few Physical Locations
- Weak Business Banking Options
Few Physical Locations
If you want to talk to someone face to face about with NBKC, you’ll have to travel to Kansas or Missouri. NBKC’s only physical locations are in Overland Park and Leawood in Kansas, and Liberty and Kansas City in Missouri. This is a common drawback of . Many people prefer to execute their in person so they can personally know the banker and talk through all their options. This can be especially difficult when you have issues with a , , , , monthly maintenance , , transactions, score, and balance. However, excellent helps to combat the lack of few physical locations and allows for better experiences with .
Weak Business Banking Options
Because NBKC is heavily focused on mortgages and personal and family banking, its business banking options are left a little bare.