NBKC Everything Account Review

Combined checking and savings that earns 1.75% APY on everything. Independent NBKC Everything Account review: 4.6/5 for checking.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 29, 2026.

Our verdict

One account that does both jobs is the pitch: NBKC's Everything Account pays 1.75% APY on all balances with no monthly, overdraft or incoming domestic wire fees, which suits people who want simplicity and a real rate. That rate on checking is why it rates this high. The catch is reach, with only 4 branches, all in the Kansas City area.

Skip it if you want branch banking outside the Kansas City area.

About NBKC Everything Account

Combined checking and savings that earns 1.75% APY on everything. NBKC Everything Account is offered by NBKC Bank. Our editorial rating is 4.6 out of 5.

Best for: Simplicity seekers who want real APY.

Editorial grade: A (composite score 92/100).

Highlights

• 1.75% APY on all balances in the Everything Account
• No monthly, overdraft, or incoming domestic wire fees
• Access to 90,000+ ATMs globally through the MoneyPass and Allpoint networks

What we like

• Rare high APY on a checking account
• Up to $12/month in out-of-network ATM fee reimbursements
• Simple single-account structure

Where it falls short

• Only 4 branches (Kansas City area)
• Smaller brand awareness

Fees, minimums, and rates

Monthly fee: $0/month. Minimum to open: $0. Current APY: 1.75%. Rates and fees last checked on September 29, 2026.

How we reviewed it

This is a desk review: we have not opened an account with NBKC Bank. It is built from NBKC Bank's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Checking shortlist. Our bank-account reviews weight APY (30%), fees (20%), access and convenience (15%), account features (15%), trust and safety (10%), and customer support (10%). The rubric is the same for every brand.

The bank behind this account

• NBKC Bank, FDIC certificate 35014: capital, loan quality, every office and the complaint record.

Similar products to compare

• SoFi Checking & Savings review
• Chime High Yield Savings review
• Ally Online Savings review
• Marcus by Goldman Sachs Online Savings review

Read our full editorial methodology for how we review products.