North American Savings Bank Review 2025
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At a glance
Overview
North American Savings Bank (NASB) is a good choice for savers who want liquidity, higher yields and online account accessibility. Customers looking for branch access will need to be located in the Kansas City area; otherwise, you can bank online using NASB’s web platform or mobile app
Highlights:
Highly Rated AppHighlights:
CDs
Checking
Savings
MMA
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
These are sponsored offers rated highly by us for competitive rates, fees, and minimums.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 5/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.7/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate CD rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Overall
NASB is a Kansas City bank with brick-and-mortar branches, as well as online banking services, digital wallets and a mobile app. It offers above-average yields on some of its certificates of deposit (CDs), checking, savings and accounts. While you can open many accounts online from anywhere, some can only be opened in one of the bank’s Kansas City branches.
Like some other banks, NASB offers a “switch kit” that helps ease the transfer of funds from other banks.
Pros
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The bank’s best yields on deposit accounts are competitive and beat the big traditional banks.
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Customers have fee-free access to over 32,000 ATMs, including those in the MoneyPass network.
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The bank offers a kit to make it easy for customers to transfer funds from another bank.
Cons
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You can find banks that pay higher yields.
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Some accounts must be opened at a branch, and branch locations are limited to the Kansas City area.
North American Savings Bank banking products
North American Savings Bank High Rate Savings
Pros
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The High Rate Savings yield is well above average savings account interest rates.
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The bank offers a variety of savings accounts for different needs and financial stages.
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The High Rate Savings account only requires $1 to open, while other banks require more.
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There’s no monthly service fee for the High Rate Savings account.
Cons
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The APY for most other savings account options is much lower than the High Rate Savings account APY.
North American Savings Bank CD
Pros
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The bank has a wide selection of CD terms up to 10 years — longer than many banks’ maximum terms.
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IRA CDs are available to open at bank branches.
Cons
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While the bank’s promotional CDs earn impressive rates, most terms earn rates that are far lower than competitors’.
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Some CDs must be opened at a branch, which is impractical for those outside the bank’s local area.
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No special CDs, such as no-penalty CDs, are available.
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You need at least $1,000 to open most of the CDs, while some competitors have no minimum deposit.
North American Savings Bank Premium Money Market Checking
Pros
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There’s no monthly fee if you maintain the $1,000 minimum.
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The account comes with check-writing privileges and an ATM card.
Cons
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The higher yield requires a $25,000 balance.
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Higher yields are available at a variety of online banks.
North American Savings Bank Advance Checking
Pros
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All accounts come with the full suite of NASB digital banking tools.
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There is no maintenance fee with a minimum balance of $100.
Cons
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The Advance account charges an $8 fee for six months of inactivity.
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There’s a high $32 overdraft fee—meanwhile, not all banks charge this fee.
Bank fees
| Fee | Charged? |
|---|---|
| Overdraft fee | $32 |
| Non-sufficient funds fee | $32 |
| Monthly maintenance fee | $6 to $10, some accounts waive fees for meeting balance requirements |
| Out-of-network ATM fee | Fees set by ATM owner |
| Excessive transaction fee | $9 for Money Market Account, $0 for Savings Account |
Customer experience
Customer support
Branch availability: NASB maintains 10 branches, all of which are located in the Kansas City metropolitan area.
Customer service: NASB offers customer service phone support. There is a number that can be called on a 24/7 basis to report lost or stolen cards. Customers can schedule branch appointments on the bank’s website.
Digital experience
The NASB app comes highly rated by iOS and Android users. It allows for mobile check deposit, transferring of funds and recurring online bill payments. The app also offers personal finance management tools for organizing your budget and expenses. Users can also use the app to locate branches and ATMs. Finally, app users can sign up to receive alerts via text or email when select account activity occurs.
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Review methodology
We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.
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