nbkc Business Checking
$0 monthly fee + unlimited cash deposits at partner ATMs; bank (not fintech)
Costs & Fees
Monthly maintenance: $0 unconditional
Fee waiver: N/A — already $0; no balance or activity hoops
Transaction fees: Unlimited — no per-item, per-check, or excess transaction fees on published schedule
Overdraft/NSF: $0 Overdraft, Returned Item, Insufficient Funds. Bank not obligated to pay overdrafts. No published OD protection program.
ATM fees: $0 at nbkc, MoneyPass, and Allpoint ATMs. Out-of-network operator surcharge possible; auto rebate up to $12/month.
Wire/ACH: Incoming domestic: $0. Outgoing domestic: $5/wire (online, cutoff 3:30 PM CT). Incoming international: $45. Outgoing international: $45 (cutoff 2:00 PM CT). Incoming ACH: $0. Originating ACH credits/debits: $15/mo or $150/yr add-on.
Cash deposit: $0 unlimited at branches and deposit-enabled MoneyPass/Allpoint ATMs (~3,000+ Allpoint cash-deposit locations). No published dollar cap. Partner ATM cash may take up to 5 business days.
Interest & Yields
Checking APY: None — non-interest-bearing by design
Savings APY: Business Money Market: 2.75% APY on all balances from $0.01; $0 monthly fee (as of 2026-09-02). Separate account, not checking APY.
FDIC coverage: Standard FDIC $250,000 per depositor per ownership category at nbkc bank
Access, Features & Tools
Access
Branch/ATM: 4 branches (KC metro only). MoneyPass + Allpoint + nbkc ATMs — 90,000+ marketed globally. Cash deposit at deposit-enabled partner ATMs.
Mobile app: iOS ~4.4–4.5; Android ~4.2 (~700 reviews)
Cash deposits: Unlimited $0 at branches and deposit-enabled MoneyPass/Allpoint ATMs. No Green Dot/retail-register network published.
Features
Invoicing/bill pay: Bill Pay included $0 (ACH or mailed check). Autobooks invoicing/Tap to Pay $10/mo add-on after 30-day trial (~2.75% card processing).
Virtual cards: Not disclosed; multiple physical debit cards allowed
International: USD only; international wires $45 in/out; 1% Mastercard FX on card
Integrations
- ✓ QuickBooks Online bank feed included ($0; reauth every 90 days)
- ✓ CSV, QBO, QFX, OFX file export
Limits & Requirements
Opening deposit: $0
Minimum balance: $0 published
Eligibility: U.S.-located/registered entities — corp, LLC, partnership, DBA, sole prop (SSN), nonprofit. Controlling person needs SSN. Foreign businesses not accepted.
Best for: No monthly fee (unconditional) Unlimited transactions Unlimited free cash deposits Free incoming wires Cheap outgoing wires ($5) Real FDIC bank QuickBooks integration Zero OD/NSF fees
Pros & Cons
Pros
- ✓ $0 monthly, $0 min, $0 OD/NSF/stop/returned-item on Nov 15, 2024 fee schedule
- ✓ Unlimited fee-free cash deposits at eligible MoneyPass/Allpoint ATMs — rare among online business checking
- ✓ $0 incoming domestic wires and $5 outbound domestic — cheap vs big-bank business checking
- ✓ Direct FDIC member bank (Cert #35014), not fintech + partner-bank stack
- ✓ $12/mo out-of-network ATM rebate plus 90,000+ ATM network; optional Business MMA at 2.75% APY
Cons
- ✗ Checking earns 0% APY — yield requires separate Business Money Market account
- ✗ Originated ACH ($15/mo), scanner RDC ($15/mo), and positive pay ($5/mo) are paid add-ons
- ✗ Only 4 branches, all Kansas City metro; no weekend lobby
- ✗ International wires $45 in and out; standard $250k FDIC only
- ✗ Weekday 7–6 CT support; new-account and ATM-cash holds are operational drag
Strong Pick (fee-conscious and cash-deposit businesses)
nbkc Business Account is a single-tier, non-interest-bearing checking at nbkc bank (FDIC #35014) — a real Kansas-chartered bank, not a BaaS fintech. The Nov 15, 2024 fee schedule prices monthly service, OD, NSF, stop payment, and inactivity at $0 with $0 to open. Standout features are unlimited $0 cash deposits at deposit-enabled MoneyPass/Allpoint ATMs, unlimited items, $0 incoming domestic wires, and $5 outbound domestic. Checking yields 0%; park idle cash in Business MMA at 2.75% APY (Sep 2, 2026). Costs appear only for add-ons: ACH origination ($15/mo), scanner RDC ($15/mo), positive pay ($5/mo), Autobooks ($10/mo). Best for cost-conscious and cash-heavy operators who accept weekday support, 4 KC branches, and standard $250k FDIC.