nbkc Everything Account

What it is

An interest-earning online checking account from nbkc bank, a Kansas City bank that serves customers nationwide online. It has no monthly fee and no opening deposit, refunds up to $12 a month in other banks' ATM fees, and nbkc says it has earned Bank On certification. We couldn't find nbkc's current fee schedule or deposit agreement to confirm its overdraft terms or ChexSystems practices.^2,3

Does nbkc use ChexSystems?

nbkc doesn't say whether it checks ChexSystems for this account. Neither nbkc's product page nor its help articles mention ChexSystems. We couldn't open nbkc's disclosures page, which is blocked to automated readers.

We couldn't find where nbkc says what it checks for this account. If you've been denied elsewhere, ask the bank before you apply whether a ChexSystems or Early Warning report affects this account.

Fees and overdraft

Monthly fee

$0. No monthly fee. nbkc's rates page lists $5 to send a domestic wire (receiving is free) and $45 to send or receive an international wire. Earning the APY needs only a $0.01 balance.^2,3

Minimum to open

$0

Overdraft

We found no current nbkc fee schedule stating overdraft or NSF fees. Optional Overdraft Protection moves money in $25 steps from a linked nbkc account with the same owners; the help article doesn't mention a fee. Without it, transactions may be declined.

ATMs

Access to 90,000+ ATMs, plus up to $12 a month in reimbursed out-of-network ATM fees. Cash can also be deposited at nbkc branches.

Early direct deposit

Yes

Who can open it

nbkc says its banking services are available online nationwide, with in-person opening at its Kansas City-area branches.

Deposit insurance: nbkc says Everything Account deposits are FDIC-insured up to $250,000 per depositor.

If you've been denied before

• If a bank or credit union turns you down because of a checking account report, it must send you an "adverse action" notice with the name and contact information of the reporting company it used.^5,6
• By law, you can get a free copy of your checking account report once every 12 months, and you are also entitled to a free copy if a bank turns you down because of it.^7,8
• If your checking account report has an error, you have the right to dispute it with the reporting company and with the bank or credit union that supplied the information. Under the FCRA, companies must investigate disputes free of charge.^7,8,9
• The Office of the Comptroller of the Currency (OCC) says negative information generally stays on ChexSystems and Early Warning Services reports for five years.¹⁰

ChexSystems, explained