No gotcha banking, right here in Kansas City. You hate the fine print and so do we. That's why we removed all hidden fees from our accounts to allow you to Bank Simply.
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Is NBKC Bank legit?
NBKC Bank (nbkc.com) has a 4.7 out of 5 rating on OK.one, based on 104 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 93% rating it 4 stars or higher; The business has replied to 100% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-08-11.
What reviewers say
AI generated
Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the dedicated staff for their exceptional helpfulness, deep industry knowledge, and prompt communication throughout home loan and refinancing journeys. People also highlight the smooth, streamlined user experience and efficient customer service, noting that representatives are always readily available to answer questions and resolve issues quickly.
Some reviewers were not happy with how account closures and dispute resolutions were handled, mentioning that certain accounts were abruptly closed without adequate notice or clear explanations. Consumers noted that dealing with these unexpected administrative actions created stressful situations and a lack of support during difficult moments.
Auto-generated from all reviews of this business. For reference only.
Comparable loan terms, but the reaction after declining to proceed was inappropriate and unprofessional. Guilt-based comments and assumptions have no place in a client relationship. Not recommended.
Reply from NBKC Bank2026-01-15
We’re sorry to hear about your experience and appreciate you bringing this to our attention. Your feedback is important to us, and we want you to know that we’re taking steps internally to ensure this doesn’t happen again. If you’d like to discuss this further, please reach out to our Home Loans SVP, Chris Hendrix, at [email protected].
My previous bank branch was sold to a bank I had NO interest or intention of patronizing, so I did some serious researching of local banks. After evaluating the benefits offered plus customer reviews and professional reviews on a number of bank evaluation web sites, it became clear that nbkc was the clear winner of my search for a new bank. Everything — from applying on their web portal, to the approval times for my new account and credit card, to the knowledgeable and friendly staff at my preferred branch — has made me glad that I chose nbkc for my new bank. Keep up the good work, nbkc! :-)
Ryan was a pleasure to work with—always responsive and easy to reach. He consistently kept me informed about rate updates for nearly two years. I truly appreciate his dedication and support, and I would highly recommend him to anyone navigating the home loan process.
Sierra on the call was very patient with me and got me where I needed to go. It is very refreshing that she treated me like a customer and not just a consumer. Thank you and have a happy new year
Ryan's diligent work and communication are excellent
Highly recommend working with Ryan. He was really fast in delivering results, his communication was excellent, always prompt to respond to any questions.
He made the whole lending process so simple.
Ian went above and beyond on service, asked me if everything was okay and made sure that my replacement card was working stay on the line with me multiple times and answered every question I had thoroughly leaving no room for vague ambiguous answers and was very personable and perfessional
Best customer service in the industry! (maybe any industry)
I called and was disconnected before speaking to anyone after a several minute wait. This was frustrating. This is not the first time this has happened to me when trying to get in touch with someone (not specifically NBKC)...BUT, this is the first time someone has ever called me back before I ever spoke to someone!! Robyn is a customer service gem. She ferreted into my problem and didn't stop until it was resolved. Her customer service and communication skills are excellent. The experience that I had with Robyn is part of the reason that I use NBKC. I had a lost incoming ACH - and with her help - the missing money was in my account quickly.
I wish other banks would be as helpful in customer service and with products NBKC offers with high interest returns. This the small bank that I hope provides customers with alternative to the big banks, but with customer service that surpasses them all.
Oh my gosh, I'm so sad I didn't get the name of the woman who helped me! She was absolutely amazing. Solved the issues I was having quickly and efficiently, plus she was hilarious! Thanks for a great experience!
Exceptional Service – Ian at NBKC Bank Resolved a Minor’s Check Issue with Outstanding Professionalism
xceptional Service – Ian at NBKC Bank Resolved a Minor’s Check Issue with Outstanding Professionalism
I contacted NBKC Bank this morning regarding a birthday check written to my three-year-old son. Depositing a third-party check made payable to a minor can often be complicated, but my experience today was the complete opposite, thanks to Ian.
From the moment our phone call began, Ian was courteous, attentive, and immediately focused on finding a solution. He listened carefully to my situation, clearly explained the bank’s policies for minor accounts, and guided me through the exact steps required to deposit the check efficiently and in full compliance. His knowledge was impressive, his tone consistently professional and friendly, and he resolved the matter in a single call with no transfers or delays.
In an era when genuine phone support is increasingly rare, Ian provided the kind of thoughtful, competent service that stands out. He turned a potentially frustrating process into a seamless one, ensuring the funds would be available without impacting my son’s birthday plans.
NBKC Bank is fortunate to have a representative of Ian’s caliber. His professionalism, patience, and efficiency reflect the highest standards of customer service. I would not hesitate to recommend NBKC to anyone seeking a bank that truly values its customers.
Thank you, Ian, for your excellent assistance today. You made a big difference.
My experience with Pendra was top notch. She was understanding of my issue, informative and patient with me as we worked to resolve that was of my own making. I was expecting to have to deal with a lot of red tape and bad attitudes, but she was amazing at working with me and resolved the issue quickly. I was blown away by the service and am excited to keep working with NBKC.
Working with NBKC was an outstanding experience from start to finish. We were purchasing a home out of state—moving from Kansas to Georgia—and they guided us through every step with clarity, responsiveness, and real partnership. Our loan officer, Bret Allen, helped us a few unique challenges throughout the process and always communicated proactively so we knew exactly what to expect. Their professionalism and customer-focused approach made a complex transaction feel smooth and manageable. We’re grateful for their expertise and highly recommend NBKC to anyone purchasing a home, especially across state lines.
All positives - keep doing what you do best!
I don’t know how you could provide a better service. Great communication. Easy to use Technology. Top notch customer service.
You are checking all of the right boxes!
Working with Trevor/NBKC was truly the easiest part of purchasing our new home. Everything is streamlined, excellent communication, and knowledgeable on all aspects of VA loans. This is our third time working with Trevor & NBKC (for a reason), the process start to finish is what sets them apart - they truly are the best!
When I first spoke with Beau, he assured me that refinancing my house would be a good idea since the interest rate rates have decreased. After some research, I found that his advice was correct. He made the refinancing process easy and appropriate. I’m looking forward, to furtherinteractions with your bank in the future.
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