NBKC Bank

If interest rates drop after you've started your process with NBKC, and you decide to go with another lender, NBKC will refuse to release the appraisal that you paid for with your own money. While other lenders will transfer the appraisal, NBKC hides behind a "company policy" that appraisals cannot be transferred. Multiple people, at various levels of loan origination, all quoted this "company policy," but when the Senior Vice President of Sales was asked to see this official company policy, the request was denied. It appears that NBKC would rather use the appraisal that you paid for to hold you hostage and prevent you from accepting a lower rate. Very unethical. They did not care that they were endangering my ability to buy a house and costing me even more money to buy a rush appraisal. They are like the child that loses a game and takes their ball home to prevent anyone else from having fun.

Business Account was super easy and fast response. However, the website needs more work and there needs to be a after hours customer service in place.

Not a good experience with NBKC bank. Set up an online business account 4 months ago and had nothing but problems and delays with things. Took them 3 months to set up invoices, then another few weeks to increase the limit from $1k. Transferred a few thousand dollars there to test out the waters and sent 1 invoice for $2k to collect the payment. Seemed to work fine. Sent out the second invoice for $3k and now my account is blocked for a “review”. No communication, no warning, no explanation. Just blocked without me being able to have access to my money.

Called and talked to Eric (supervisor) and he said they can’t share any info as to why this happened since it’s “confidential” and it might take a week, two or possibly more before they are done with their review. Now the business is stalled. The trust has been seriously violated and undermined. Can’t rely on a bank that doesn’t care about user experience, especially about a business that needs predictability. Will be looking for a more serious alternative option.

NBKC has made this loan easy to obtain. I recommend NBKC for home loans. I also intend to apply for a NBKC Visa Card. NBKC is a reliable financial institution.