NBKC Bank Checking Account

At 1.75% APY, NBKC Bank's checking account ranks #6 out of 42 checking accounts in the SwitchWize database — a strong placement that puts it well ahead of the category average of 0.51%. In plain terms, you're earning more than three times what the typical checking account pays. The top three in this category currently sit at 2.75%, 2.00%, and 2.00%, so NBKC is competitive but not the leader. The rate has been rock-solid — unchanged over the past seven days and holding its 30-day range of exactly 1.75% — which signals deliberate pricing rather than a promotional teaser. On a macro basis, though, note that this rate sits 1.87% below the current Fed Funds Rate of 3.63%, so the bank is not passing through the full rate environment to depositors. That said, for an interest-bearing checking account, 1.75% is genuinely above-average. The biggest caution here is operational: the product page returned a 404 error at time of review, leaving fees, minimum balances, and eligibility requirements unverifiable from source. Confirm those details directly with NBKC before opening.