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WorldCurrency Access Deposit Account

Could you use a money market account to transfer money between U.S. dollars and major foreign currencies? Would you like the opportunity to earn interest in a foreign currency and benefit from potential appreciation against the U.S. dollar? With the WorldCurrency® Access Deposit Account, EverBank® delivers a simple, liquid and innovative approach to foreign currency investing.

You excel at the unexpected.
So do we—with a little extra splash.

WorldCurrency® Access Deposit Accounts offer the following benefits and features:



A great choice if you seek to diversify your financial portfolio globally against a depreciating U.S. dollar without locking yourself into a fixed term. And, a smart business solution if you require a cost effective account to manage your foreign currency exposure.

  • Low $2,500 initial deposit requirement (some exceptions apply).
  • Currency conversion rate Glossary within 1% of the available market rate for your currency—among the lowest in the nation.1
  • Earn interest in the currency of your choice (with initial deposits as low as $10,000).
  • Easily add, withdraw and transfer funds between global markets in accordance with money market regulations.2
  • No monthly fees.
  • FDIC insured against bank insolvency.3

Your WorldCurrency Access Deposit Account includes the EverBank Asset Manager Service Glossary, which automatically combines all of your banking, World Markets and other EverBank investment accounts into one relationship.

What should I consider before I open a foreign currency account at EverBank®?

We feel it's important to assess your tolerance for the risks associated with currency fluctuations. While FDIC insurance will protect you from bank failure up to $250,000 (until December 31, 2013), currency values can be affected by various geopolitical and economic influences and this can negatively and positively impact the amount of your deposit. We recommend that you carefully consider both the potential for currency appreciation (or loss) along with the rate of interest that you may earn when assessing the use of foreign currency products as part of a broadly diversified investment strategy.

We encourage you to use our foreign currency resources to educate yourself about currency investing and the factors that influence currency values.

What can you tell me about any risks associated with WorldCurrency accounts?

While FDIC insurance will protect you from bank failure up to $250,000 (until December 31, 2013), it's important to understand that your deposit will be susceptible to losses or gains due to currency-price fluctuations. Various geopolitical and economic influences can affect a currency's value. We recommend that you carefully consider both the potential for currency appreciation (or loss) along with the rate of interest that you may earn when assessing the use of foreign currency products as part of a broadly diversified investment strategy.

I'm interested in opening an WorldCurrency account, what's my next step?

Please note: Not all investments are right for all investors. You should conduct your own research and/or consult with an investment advisor before making any investment.

  • Before opening a WorldCurrency account, we recommend reading what to expect when opening a currency account to learn about currency conversion and other important trading procedures.
  • Once you select the currency offering that's right for you, apply online or call 800.926.4922 for more information.
  • For your protection, we require that you sign and mail your application along with a deposit.
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  2. EverBank, EverTrade, the EverBank Infinity Sphere and the EverBank logo, along with WorldCurrency and MarketSafe are proprietary service marks of EverBank. All rights reserved.