# nbkc bank: US business checking

> US business checking from nbkc bank, a Kansas FDIC-insured bank: no monthly fee, no minimum balance and no opening deposit, free incoming domestic wires and a free Mastercard debit card. A US dollar account for businesses registered in the US, with ACH as a $15 monthly add-on.

Finzil profile: https://finzil.com/providers/nbkc-bank · Provider website: https://nbkc.com · Facts checked: 2026-10-20

## Key facts

- **Monthly fee:** $0 (No minimum balance)
- **Setup fee:** Free
- **Currencies:** 1 (USD only)
- **Onboarding:** 3–5 days (typical)
- **Provider type:** Bank (FDIC-insured)
- **IBAN:** No IBAN; US routing and account numbers
- **Payment rails:** ACH (paid add-on), domestic wires, international wires
- **Cards:** Physical Mastercard debit card
- **Safeguarding:** FDIC insurance up to $250,000
- **Non-residents:** Not accepted
- **Remote opening:** Yes
- **Headquarters:** United States
- **Currency codes:** USD
- **Trustpilot:** 4.7 from 1,236 reviews (checked 2026-10-20)

## Who can apply

- **Non-resident owners** (owner or director living outside the company's country): Not accepted
- **Countries of incorporation accepted:** United States (only these)
- **Countries of incorporation refused:** Not published
- **Owner residency accepted:** United States
- **Owner residency refused:** Not published
- **Owner nationality refused:** Not published
- **Company types accepted:** Sole proprietors, Partnerships, LLCs, Corporations, Non-profits and 501(c)(3) organizations

## Industries

- **Industries served:** Startups and SMEs, Professional services, Healthcare, NGOs and charities
- **Prohibited industries (provider's own list):** 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 (source: https://support.nbkc.com/hc/en-us/articles/4548772396819-Why-was-my-account-application-declined)
- **Permitted industries (provider's own 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

## Licences

- United States: Federal Deposit Insurance Corporation, Bank, FDIC-insured, nbkc bank, register no. 35014 (https://banks.data.fdic.gov/bankfind-suite/bankfind/details/35014)

Safeguarding: Deposits are FDIC-insured up to $250,000 per depositor, per ownership category.

## Fees

Source: https://www.nbkc.com/legal-notices/disclosures/BusinessFeeSchedule (checked 2026-10-20)

### Plans

- **Business Account:** Free

### Incoming

- SWIFT / international: $45
- Local transfer from another bank (Domestic wire): Free

### Outgoing

- SWIFT / international: $45
- ACH / local USD: $15 · Monthly add-on for ACH credits and debits ($150 a year), not charged per payment
- Local transfer to another bank (Domestic wire): $5

### Currency exchange (FX)

- FX markup: Not offered

### Cards

- Physical card issue: Free
- Card FX: 1% · Charged by Mastercard on foreign-currency purchases

## Opening an 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: 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

## Pros and cons

- Pro: No monthly fee, no minimum balance and no opening deposit
- Pro: A free physical Mastercard debit card and unlimited cash deposits
- Pro: Free incoming domestic wires
- Pro: Open to sole proprietors, partnerships, LLCs, corporations and non-profits
- Pro: Applied for fully online, in under 10 minutes
- Pro: Trustpilot score of 4.7 from more than 1,200 reviews
- Con: Only for businesses registered in the US; no foreign businesses
- Con: Owners must be US citizens or permanent residents with a US address and SSN
- Con: US dollars only; incoming or outgoing international wires cost $45 each
- Con: ACH credits and debits are a $15 a month add-on
- Con: No virtual debit cards
- Con: Cannabis, crypto, gambling, money services, import and export, holding companies and travel agencies are refused

## Finzil's take (opinion)

nbkc is one of the simplest free business accounts in the US: no fees to speak of, a real bank behind it and an application you can finish in minutes. It is strictly for US-registered businesses with US-resident owners, and the ACH add-on and $45 international wires mean it suits domestic trade best.

## Alternatives

- [Relay](https://finzil.com/providers/relay): Fintech company · US
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## FAQ

**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.

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