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EverBank: Checking Accounts (2026)

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Alex Parker, CFA

Senior Banking Editor

October 28th, 2026

EverBank Checking Accounts Ratings Breakdown

Overall 9.0 / 10

EverBank scores 9/10 for Overall in Checking Accounts, backed by 4.75% - 5.05% APY rates and transparent digital terms.

Interest Rates & APY 9.0 / 10

EverBank scores 9/10 for Interest Rates & APY in Checking Accounts, backed by 4.75% - 5.05% APY rates and transparent digital terms.

Fees & Minimums 9.3 / 10

EverBank scores 9.3/10 for Fees & Minimums in Checking Accounts, backed by 4.75% - 5.05% APY rates and transparent digital terms.

Customer Service 8.7 / 10

EverBank scores 8.7/10 for Customer Service in Checking Accounts, backed by 4.75% - 5.05% APY rates and transparent digital terms.

Mobile App & Digital Banking 9.0 / 10

EverBank scores 9/10 for Mobile App & Digital Banking in Checking Accounts, backed by 4.75% - 5.05% APY rates and transparent digital terms.

Rewards & Perks 9.3 / 10

EverBank scores 9.3/10 for Rewards & Perks in Checking Accounts, backed by 4.75% - 5.05% APY rates and transparent digital terms.

When evaluating EverBank for Checking Accounts in 2026, our financial analysts examined interest rates (4.75% - 5.05% APY), monthly maintenance fees, deposit insurance, and digital banking tools.

EverBank (formerly TIAA Bank) is a premier national direct bank delivering the Yield Pledge promise on its Performance Savings (5.05% APY), high-yield CDs, ATM-fee-reimbursed checking, and nationwide mortgages.

Key Highlights for Checking Accounts:

5.05% APY on EverBank Performance Savings with $0 minimum opening deposit
No monthly maintenance fees on Performance Savings or Yield Pledge Checking
Unlimited nationwide ATM fee reimbursements with qualifying balance
Full suite of CDs, WorldCurrency deposits, residential mortgages, and commercial banking