nbkc bank
nbkc bank Business Account
By Alex Compton · Last verified
Radically simple free business checking from a Kansas City charter
Insurance: FDIC insured up to $250,000 (nbkc bank)
Account Terms History
A dated record of APY, fees and opening requirements. New changes append to this table; prior terms remain visible.
| Observed | APY / yield | Monthly fee | Minimum | Evidence |
|---|---|---|---|---|
| 2026-10-12 | None | $0 | None | nbkc bank Business Account page →Reconfirmed $0 fees and minimums, $12/month ATM refunds, 90,000+ ATM network, unlimited cash deposits at branches or eligible ATMs; companion business money market 2.75% APY effective 10/12/2026 |
| 2026-06-11 | None | $0 | None | Archive record · no attached snapshotLegacy snapshot before event-level evidence attachments |
Primary-source verification log
Append-only evidence ledger- confirmed
For LLC guide: verified no monthly fee, ATM reimbursements and cash deposits at branches or eligible ATMs. Retrieved directly after web reader 403; retained full-review verification date.
nbkc current business checking page → - confirmed
$0 fees and minimums, $12/month ATM refunds and unlimited cash deposits reconfirmed; companion money market 2.75% APY
Fields: cons
nbkc bank Business Account page →
Features
- ▸No monthly fee, no minimum balance, no overdraft or NSF fees
- ▸No stop-payment fees and free incoming domestic wires
- ▸Up to $12/month in out-of-network ATM fee rebates
- ▸Access to 90,000+ ATMs via MoneyPass and partner networks
- ▸Invoicing: send, receive, and track invoices through Autobooks
- ▸Free bill pay, mobile deposit, and eStatements
- ▸Companion business money market pays 2.75% APY on reserves
Pros
- +One of the shortest fee schedules in business banking
- +No overdraft, NSF, or stop-payment fees at all
- +ATM rebates work at any machine
- +Companion money market covers the yield question at 2.75%
Cons
- −Checking itself pays no interest
- −Cash deposits only at Kansas City-area branches or eligible ATMs
- −Lighter software stack than fintech rivals (sub-accounts, AP workflows)
- −Outgoing wires carry a modest fee
Our Take
nbkc's pitch is the absence of fine print: virtually no fees, a real FDIC charter, and just enough tooling for a small operation. It lacks the yield of Bluevine and the software depth of the bigger fintechs, but the companion money market at 2.75% covers the reserve question. For a sole proprietor or small LLC that values simplicity over features, it is a quietly excellent default.
Best for: Small businesses that want zero-fee banking with no fine print
Open at nbkc bank →Last verified 2026-10-12
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