A high interest checking account with no monthly fee. Wow.
FreeNet Checking Account
It's amazingly simple how our high interest checking account can put your money to work for you. First, we're committed to delivering a high yield on your checking account balance. Second, we're not going to let a monthly fee erode your earnings. As a bonus, we don't require a minimum balance to earn a great yield.
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An interest checking account that leads the competition1
Annual Percentage Yield based on balances below $10,000.
For specific product name hover mouse over chart.
A high yield FDIC insured account that makes a difference
Switch checking accounts today and start enjoying the following benefits:
I'm interested in opening a high interest checking account at EverBank. What's my next step?
For more information call one of our Customer Care Specialists: 888.882.EVER (3837). Or apply online right now.

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An interest checking account that simplifies your banking
Online banking that works with your everyday life. Earn high interest and enjoy the freedom to manage your checking account when and where you want. Plus, we make it easy for you to switch.
- Bank online and pay bills from your PC and internet-enabled cell phone
- Transfer funds between your EverBank account and other financial institution from one site
- Use our telephone banking service to transfer funds between EverBank accounts
Learn more about the EverBank Online Financial Center 
- Write unlimited checks and enjoy your first book of checks for free
- Withdraw cash from ATMs (over 500,000 nationwide) and pay no EverBank fees with your Visa® Check Card
- Receive $6 per month reimbursement of ATM fees6
- Request wire transfers and cashier’s checks
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Real 24 hours, 7 day a week customer service
We realize that not all banking solutions are online, that's why we provide easy to access customer service. Just call 888.882.EVER (3837) and an EverBank Customer Care Specialist will be happy to help you with your banking needs.
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We take your financial security seriously. And we're willing to guarantee it.
EverBank meets security risks head-on with the strongest measures available today.
- Comprehensive encryption technology that secures your personal data when sent to and from your computer to our system
- Secure access to Online Banking from EverBank.com
- Confidently sign on with visual cues and confirmation questions—assuring you that it's safe to enter your information
- Option to register your computer, so we know it's you accessing your financial information
- Account number masking prevents others from obtaining that information while you are signed on and viewing your accounts
Web Safety Guarantee
In the unlikely event of a security system failure or a missed or misdirected payment that is the fault of EverBank, you will be reimbursed for lost funds and, if applicable, for any penalties incurred as a result. This guarantee applies in any of the following instances:
- An error made by an EverBank employee resulting in an unauthorized or erroneous transaction that results in lost or misplaced funds
- An EverBank system error that results in lost or misplaced funds
- A computer crime that the EverBank security system fails to prevent
- An unauthorized debit card transaction. However, if your card is lost or stolen, it must be reported within two days.
- A missed or misdirected payment that is the fault of EverBank
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- Rate information as of 07/01/2008. Competitor rates and terms and conditions can change at any time. Some competitor rates may vary by region. Sources for competitor information: bankofamerica.com, wamu.com, usbank.com, wachovia.com, chase.com, citi.com.
- The introductory 4.76% annual percentage yield (APY) on EverBank’s FreeNet Checking Account is current as of 8/29/2008 12:00:00 AM and will apply to the first $100,000 on deposit for the first three months after account opening, and may change at any time prior to account opening. During the three-month period after account opening, the introductory yield will be applied to the first $100,000 in your account and a 3.51% APY will apply on any balance over $100,000. This corresponds to a blended APY for the 12 month period after the account is opened for funds up to $100,000, based on our current ongoing yield, the current introductory yield and the average collected daily balance on your account, as follows: $50,000 - $100,000, 3.59%; $25,000 - $49,999, 3.29%, $10,000 - $24,999, 3.06%, and under $10,000, 2.87%. This is a tiered, variable rate account and any of the rates may change at any time without notice. This introductory APY offer is available to first-time EverBank account holders only and is limited to one account per household. Minimum opening deposit of $1,500 is required.
- EverBank pledges to keep the yield on your account in the top 5% of competitive accounts as tracked in the Bankrate.com National IndexTM of leading banks and thrifts.
- Customer must notify EverBank of reason for dissatisfaction within 30 days of 3-month anniversary. Limit one per household. New EverBank customers only. Not valid with any other EverBank offer. Minimum of 3 online bill payments over the 3-month period required. Then, if for any reason whatsoever you are not completely convinced that our FreeNet Checking Account is the best bank account in the nation, tell us about your experience. If you close your account within 30 days of your 3-month anniversary, we'll send you a check for $50.00 after we hear from you, as our way of saying "Thank You!" for giving us a try.
- The FreeNet Checking Account offers optional Online Bill Pay. Online Bill Pay has no fee when you maintain a minimum average monthly balance of at least $1,500. Otherwise, a $4.95 monthly fee is assessed for Online Bill Pay.
- Up to $6 per calendar month may be reimbursed provided ATM receipts are mailed within 90 days of transaction date.
- Subject to credit approval.
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- EverBank, the EverBank Infinity Sphere and the EverBank logo along with FreeNet and Yield Pledge are proprietary service marks of EverBank. All rights reserved.
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888.882.EVER (3837)
Get help with your banking needs. Talk to a Customer Care Specialist today.
Rates as of 8/29/2008 12:00:00 AM
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| Account Balance |
Rate |
APY |
| Introductory yield |
4.65% |
4.76% |
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| $100,000 and Up |
3.45% |
3.51% |
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| $50,000 - $99,999 |
3.16% |
3.21% |
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| $25,000 - $49,999 |
2.77% |
2.81% |
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| $10,000 - $24,999 |
2.48% |
2.51% |
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| $9,999 or less |
2.23% |
2.26% |
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- YIELD PLEDGE MONEY MARKET
- Combine high interest checking with high interest savings. Open our money market account and earn 4.76% Introductory APY on both your checking and savings accounts.
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