Overview
nbkc bank, at a glance.
nbkc bank is a bank (fdic-insured) headquartered in the United States, regulated by Federal Deposit Insurance Corporation. The company behind nbkc bank is nbkc bank. Business accounts cost $0 a month. Opening an account takes 3–5 days.
Deposits are FDIC-insured up to $250,000 per depositor, per ownership category.
Why businesses pick nbkc bank
- No monthly fee, no minimum balance and no opening deposit
- A free physical Mastercard debit card and unlimited cash deposits
- Free incoming domestic wires
- Open to sole proprietors, partnerships, LLCs, corporations and non-profits
- Applied for fully online, in under 10 minutes
- Trustpilot score of 4.7 from more than 1,200 reviews
Watch out for
- Only for businesses registered in the US; no foreign businesses
- Owners must be US citizens or permanent residents with a US address and SSN
- US dollars only; incoming or outgoing international wires cost $45 each
- ACH credits and debits are a $15 a month add-on
- No virtual debit cards
- Cannabis, crypto, gambling, money services, import and export, holding companies and travel agencies are refused
Business fit
Will nbkc bank accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on nbkc bank's published rules
Likely no
nbkc bank does not list United Kingdom among the countries where it accepts companies.
nbkc bank does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What nbkc bank publishes about the businesses it takes on.
Who nbkc bank serves
- Startups and SMEs
- Professional services
- Healthcare
- NGOs and charities
All 7 industries on nbkc bank's accepted list
- Small business owners who want to manage finances online
- Budget-conscious small businesses
- Startups and new businesses
- Tech-forward small business owners
- Nonprofits and 501(c)(3) organizations
- Doctor/physician offices
- Manufacturers or manufacturing companies
Not supported
Industries and countries nbkc bank does not accept, from its own published lists.
Industries
- ATM/Money Service Business
- Cannabis-Related
- Casino/Gambling
- Credit Card System Operations
- Credit Repair
- Cryptocurrency
- Firearms & Ammunition
- Import/Export Goods
- Lending, Financing, or Pooled Investments
- Shell Corporations/Holding Company
- Pawn Brokerage
- Securities, Futures, Commission, or Commodity Trading
- Telemarketing
- Travel Agency
Countries
- Not published
Coverage
Where can you use nbkc bank?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
USD only
- USD
Payment reach
Not published
Who can apply
Company incorporation countries1 countries · show list
- United States
Owner nationality
Not publishedOwner residency1 countries · show list
- United States
Company types
Sole proprietors, Partnerships, LLCs, Corporations, Non-profits and 501(c)(3) organizations
Pricing
What does nbkc bank cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
Free
Monthly fee
Free
Business Account
$0 per month
$0 setup · $0 in year one
Transaction fees
| Cost | Listed amount | How it is charged |
|---|---|---|
| Incoming | ||
| SWIFT / international | $45 | Fixed fee |
| Local transfer from another bank | Free | No charge · Domestic wire |
| Outgoing | ||
| SWIFT / international | $45 | Fixed fee |
| ACH / local USD | $15 | Fixed fee · Monthly add-on for ACH credits and debits ($150 a year), not charged per payment |
| Local transfer to another bank | $5 | Fixed fee · Domestic wire |
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | Not offered | Not available |
Cards
| Cost | Listed amount | How it is charged |
|---|---|---|
| Physical card issue | Free | No charge |
| Card FX | 1% | Percentage of the amount · Charged by Mastercard on foreign-currency purchases |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Apply online
Start the application on nbkc.com; most people finish in under 10 minutes.
- 2
Business details
Give your EIN (or SSN as a sole proprietor), business name and address, and a government-issued ID; upload the entity documents the application lists.
- 3
Review
nbkc reviews the application and may ask for more information.
- 4
Account live
After approval you get a secure email to set up online banking, where the account number is shown. Make the first deposit within 60 days.
Documents you need
- Articles of Incorporation or Organization
- Proof of EIN
- Partnership Agreement (partnerships)
- Fictitious name certification (if used)
- Government-issued ID
- US mailing address and Social Security Number
FAQ
Your questions, answered.
Is nbkc a bank?
Yes. nbkc bank is an FDIC-insured bank in Leawood, Kansas, FDIC certificate 35014. Deposits are insured up to $250,000 per depositor, per ownership category.
How much does the nbkc Business Account cost?
Nothing a month, with no minimum balance and no opening deposit. Receiving a domestic wire is free and sending one costs $5. International wires cost $45 in or out. ACH credits and debits are a $15 a month add-on.
Who can open an nbkc business account?
Businesses registered in the US, owned by US citizens or permanent residents with a US address and a Social Security Number. The bank says no foreign businesses are accepted.
Which businesses does nbkc not accept?
Its list includes ATM and money service businesses, cannabis, casinos and gambling, credit card system operations, credit repair, cryptocurrency, firearms, import and export, lending, shell and holding companies, pawn brokers, securities trading, telemarketing and travel agencies.
Alternatives
How nbkc bank compares.
If nbkc bank is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
| nbkc bankThis pageBank (FDIC-insured) |  | US business accountNo monthly fee |
 RelayFintech company | | US business accountNon-residents accepted |
 NovoFintech company | | US business accountFree account |
 BluevineFintech company | | US business accountNon-residents accepted |
 MercuryFintech company | | US business accountNon-residents accepted |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.