EverBank Review 2026: Checking, Savings and CDs

Strong APY. The EverBank Performance® Savings account offers a competitive 3.90% annual percentage yield on all balances. This rate is higher than you’ll find at some big banks, and on par with some of the best rates from other online banks.

No minimums or monthly fee. There is no minimum deposit needed to open an account, and there is no monthly fee.

» Want more options? Check out NerdWallet’s best high-yield online savings accounts

No monthly fee, but there’s a minimum to open. You need $100 to open an EverBank Performance® Checking account, which is fairly high compared to other online banks’ checking accounts.

Notable checking rate. You’ll earn 0.25% APY on your balance, which is decent considering that most checking accounts don’t earn interest.

» Check out the best online checking accounts

Big ATM network and fee refunds. EverBank offers more than 80,000 fee-free ATMs, and if your balance is less than $5,000, the bank will reimburse up to $15 in non-network ATM fees. If your daily average balance is more than that, reimbursements are unlimited.

Fast transfers, many deposit options. EverBank belongs to the Zelle network which offers free same-day transfers between banks. (See more banks that use Zelle.) You can deposit money through cash deposits at a branch or ATM, direct deposit, online transfers, wire transfers, mobile check deposits or by sending a check through the mail.

Wide range of strong CD rates. EverBank has terms from three months to five years, with a focus on shorter terms. Yields tend to be in line with other online banks and far higher than the national average rates for CDs.

» COMPARE: Best CD rates

Somewhat low opening minimum. To open an EverBank Performance® CD, you’ll need at least $1,000, which is a fairly common minimum.

• See the list of EverBank Performance® CD rates

  • 3-month CD: 3.70% APY.

  • 6-month CD: 3.70% APY.

  • 9-month CD: 3.60% APY.

  • 1-year CD: 3.50% APY.

  • 13-month CD: 3.60% APY.

  • 18-month CD: 3.50% APY.

  • 2-year CD: 3.50% APY.

  • 2.5-year CD: 3.40% APY.

  • 3-year CD: 3.40% APY.

  • 4-year CD: 3.40% APY.

  • 5-year CD: 3.40% APY.

Extended support hours. Representatives are available by phone on weekdays from 8 a.m. to 10 p.m. and on Saturdays from 9 a.m. to 7 p.m. ET.

High app ratings. The mobile app offers check deposit and bill pay, and has high ratings in the app stores.

» See more options on our list of best online banks

Small branch network, big ATM network. There are about 40 branches across northern and southern California and Florida as well as one location in New York. Beyond those branches, EverBank offers free access to more than 80,000 ATMs, plus the previously mentioned fee reimbursements for out-of-network ATMs.

No overdraft fees. EverBank doesn’t charge an overdraft or nonsufficient funds fee if you overdraw your account. It generally declines transactions that would lead to a negative account balance.

» Check out our list of the best banks for overdrafts

Free overdraft program. The bank's overdraft protection program offers free overdraft transfers from a linked savings account.