Offer value details
nbkc describes the Everything Account as a high-yield checking account for checking, saving, and earning, with 1.75% APY, no monthly fees, no minimum balance to earn, no tiers to earn the highest rate, Savings Goals that earn the same APY, and surcharge-free ATM access.
Qualification requirements
The official product page and rates page list a $0.00 minimum opening deposit and a $0.01 minimum balance to obtain APY. nbkc says the only requirement to earn the high APY is a balance of at least $0.01.
Fees and costs
nbkc says the Everything Account has no monthly fees. The official page says nbkc reimburses up to $12/month in fees for out-of-network ATMs. The rate and fee schedule also lists possible wire-transfer and external-transfer limits and says fees could reduce earnings.
Availability
The Everything Account is an nbkc bank deposit account, subject to account approval and official account terms. nbkc says deposits are FDIC-insured up to applicable limits and the account has Bank On certification.
What to verify
- The APY is variable and can change at nbkc's discretion.
- Fees could reduce earnings even though the account lists no monthly fee.
- Out-of-network ATM reimbursements are capped at $12/month.
- Early direct deposit depends on payer timing and may not be available for every deposit.
- nbkc says an account that remains unfunded for 60 days will close.
Confirm current provider terms
Rates, rewards, fees, qualification rules, eligibility, and deadlines can change. Review the provider terms before applying.