NBKC Bank is based in Kansas City, Missouri and was founded in 1999 as an internet-based bank and mortgage lender. Simple and straightforward, NBKC impresses customers with a modern and personable feel.

The Good

  • Mortgages
  • 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 credit score, down payment, location, and loan type so that NBKC can give you a realistic estimate.

NBKC performs especially well with VA home loans. Over a third of its total mortgages are VA loans, while nationally VA loans only account for about 10 percent of all loans. Lender fees are waived for VA loans. VA and FHA loans from NBKC are available in all 50 states.

As it is an online bank and has few overhead costs, NBKC can offer competitive interest rates. Internet-based mortgages speed up loan closings with electronic signatures and fast paperwork with online documents. The application for a mortgage is also completed online. NBKC also offers options to refinance your home.

Costco members get additional discounts on lender fees with a NBKC mortgage as NBKC is part of Costco’s mortgage network.

Customer Service

Customers rave about the incredible customer service they receive from NBKC’s knowledgeable, friendly, and attentive employees. Throughout a loan process, you work with one assigned rep that will answer your questions and help you find the best options for your personal financial situation. This excellent customer service makes the mortgage experience easy.

“No Gotchas” Philosophy

NBKC doesn’t want to be like other banks with hidden fees and fine print, so it strives to be as transparent and easy to use as possible. Personal accounts with NBKC have no monthly fees, no minimum balance requirements, only $5 required to open an account, and no overdraft fees. A personal or money market account will also include a free checkbook, free mobile or desktop bill pay, unlimited customer service, and free cashier’s checks.

This checking account 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 fees from any other bank around the world. The NBKC personal account acts as an interest-bearing checking account with an APY 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 savings account at a brick and mortar bank is often as low as .01 percent.

The Bad

  • Few Physical Locations
  • Weak Business Banking Options

Few Physical Locations

If you want to talk to someone face to face about banking 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 online banking. Many people prefer to execute their banking in person so they can personally know the banker and talk through all their options.

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.

The Bottom Line

NBKC bank ranks high for customer satisfaction, especially for its mortgage program. It offers competitive mortgage rates and its service is incredible. NBKC’s mortgage program saves each customer time and money. For those looking to manage their real estate, NBKC is a great option.

Because we don't yet have many NBKC Bank reviews, we recommend checking out other top-rated companies with more customer reviews before making a decision.


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