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A free business checking account that takes care of businesses.
All the features you need. None of the fees you don’t.
Apply in minutes
Your new favorite free business checking account
Zero is our favorite number.
Our no fee business checking account gives you a lot to enjoy. But some of our favorite parts are the things we don’t include: fees.
- $0 required to open
- $0 minimum balance
- $0 for returned electronic or paper items
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$0 Overdrafts or NSFs
?Initial fees for going into a negative balance on your account - $0 for Business Online Banking
- $0 for Bill Pay on your phone, tablet, and desktop
- $0 to deposit checks, at a branch, through the nbkc app on your phone or tablet
- $0 to talk to your nbkc banker on the phone, via email, or in person.
-
$0 eStatements
?Digital versions of your monthly paper statements - $0 for stop payments, whether in-branch or online
- $0 for incoming domestic wires from Anywhere, USA
Fees? Look elsewhere.
Many banks nickel and dime small businesses. Not here. Our no-fee business account means no monthly maintenance fees, no overdraft fees, and no hidden charges. Helping you keep more of your hard-earned money.
The best business checking for you
Anyone who is looking for a business checking account with no fees, no minimums, and a suite of mobile-friendly tools that will make your day-to-day life easier will love the nbkc Business Account.
If you’re looking for particulars, the nbkc business checking account is great for
- Small business owners who want to manage finances online
- Budget-conscious small businesses
- Startups and new businesses
- Tech-forward small business owners
- Nonprofits and 501(c)(3) organizations
- Doctor/physician offices
- Manufacturers or manufacturing companies
- And businesses who just love great service, great tools and an overall great business checking account
Features that make business checking simple
The nbkc Business Account keeps all your most important business banking features in one place and has the personal support you need to succeed.
Less hassle,
more hustle.
Easily create, send, and track invoices in one place. No extra tools or subscriptions needed.
Fast cash,
no friction.
ACH transfers, mobile check deposit, and direct integration with payment platforms—pay and get paid quickly.
Real humans,
great service.
Access to easy, online banking services is great. Having real people there to help along the way is even greater.
Business checking tools that work as hard as you do
You’re managing a lot — you shouldn’t have to worry about your bank account. The nbkc Business Account makes your daily life better with:
- Mobile banking app with easy check deposits
- Autobooks invoicing integration ($10/mo add-on)
- Direct integration with payment platforms
- 90,000+ ATM global network with $12/mo ATM fee refund
- Real human customer support
Mobile check deposits in a snap.
Just open the nbkc app, snap a pic, and the money’s on its way.
An ATM network with serious reach.
With access to over 90,000+ ATMs globally, cash is always within reach. Plus, we’ll refund up to $12 per month in ATM fees if you need to use an out-of-network machine.
Unlimited cash deposits at no cost to you.
Got cash? Deposit it with ease in person or at eligible ATMs.
Recognized by NerdWallet as a best business checking account
NerdWallet named the nbkc Business Account one of the best free business checking accounts available because of our lack of monthly fees, unlimited cash deposits, and mobile app for a seamless experience on-the-go.
We're Kansas City-proud, with satisfying services and satisfied customers nationwide.
No gatekeeping here.
Some banks make you jump through hoops or upgrade accounts to get the best features. We don’t. Every business gets the same great experience. Plus a free physical debit card that looks great and keeps spending simple.
Taking care of business, everywhere.
Bank anytime, anywhere with a platform that works as hard as you do. Send payments, track transactions, and manage finances all with just a few clicks.
Mastercard® Easy Savings
Get valuable rebates on your business spending with Mastercard® Easy Savings. There’s no enrollment fee, no coupons and no codes.
The reviews are in: Business owners love the nbkc Business Checking Account.
We switched to nbkc after banking with the same bank for 15 years. The whole process of not only switching personal but also my small business to a new bank was a bit overwhelming to say the least. But everyone at nbkc made the process much easier. I am so thankful!
- Debbie’s Animal Haven
Love the ease of getting started, I'm a female solo small business owner and getting my feet on the ground. I appreciate the chance to grow my business. It has been convenient and accessible to do my business on the nbkc bank platform. Thank you so much!
- Viva Wellness Group
Questions we get asked about the nbkc Business Checking, frequently.
A business checking account is a bank account built specifically for managing your company's money — deposits, withdrawals, payments, all of it — while keeping everything separate from your personal finances. The nbkc Business Account makes it simple with no monthly fees, no minimums, and tools like mobile deposit and invoicing built right in.
Right here. The nbkc Business Account is completely free, and you can apply online in under 10 minutes from wherever you are.
You'll need some basic business info: your EIN (or SSN if you're a sole proprietor), your business name and address, and a valid government-issued ID.
Most people finish the nbkc application in under 10 minutes. It's all online, so there's no branch visit, no appointment, and no waiting around.
It does — a free nbkc Business Debit Mastercard®, with access to over 90,000 ATMs globally. And if you ever get charged by an out-of-network ATM, we'll refund up to $12 per month.
Mixing business and personal finances makes bookkeeping harder, taxes messier, and your liability protection weaker. A dedicated business checking account keeps everything clean. With nbkc, it doesn't cost you a thing to do it right.
Yes. There's $0 required to open your nbkc Business Account — no minimum deposit, no funding requirement. Just complete the application and you're in business.