nbkc's Everything Account is a free checking and savings account hybrid, which is a great option for customers who prioritize flexibility and ease. The account does not require a minimum balance, and has no regular or hidden fees, such as monthly maintenance or overdraft fees. nbkc offers joint accounts as well, and it pays interest at a rate of 1.50%. However, their program does not award points or cash back rewards.

The Everything Account has two fees: a $5 fee for outgoing domestic wires across the United States, and a $45 fee for sending or receiving international wires. Additionally, nbkc takes serious security measures when it comes to protecting their clients, including online identity theft guides, multi-factor authentication, text messages, automated calls, and a free, safe-browsing detection application that their customers can download.

When it comes to reputation, nbkc maintains very high standards, holding an active FDIC membership and a five-star rating with Bauer Financial. Although it does not have a financial rating score with Moody's, there are no CFPB complaints or nationwide regulatory actions against them. nbkc is BBB accredited, and it has an A+ on their website. This rating is well-earned, since the company has an overwhelming 460 positive reviews and only 17 that are negative. Other consumer review websites, such as Yelp, share this praise, complimenting the company's professionalism and excellent customer service.