It's not everyday that you run across an everyday checking account that really pays its dues. Well, welcome to that day. Get your new Yield Pledge Checking Account and earn like you've never earned before on a checking account. Our welcome package even includes a special 1-year introductory APY for first time checking clients. After that, the earnings stay high thanks to our Yield Pledge promise to keep your yield in the top 5% of Competitive Accounts.3 So, just one question: are you ready to make some dollars?
Average is no way for your money to go through life. Come to EverBank and say so long to substandard earnings—for good. Because even after the 1-year intro period, your earnings will stay high as we keep your yield in the top 5% of Competitive Accounts.3
All Annual Percentage Yields (APYs) are accurate as of 2/24/2017 12:00:00 AM.
* First year APY reflects a 1-year introductory rate available to first-time checking clients on balances up to $250,000. Ongoing APYs otherwise apply.1
If depositing more than $250,000, consider opening a companion Yield Pledge Money Market Account. This account offers the same 1-year intro APY on balances up to $250,000 for first-time money market clients. Many of our new clients choose to maximize their first-year earnings by opening both accounts.
Yes, fees can happen from time to time, but we make it our business to never nickel and dime you with things like ATM fees or the totally arbitrary monthly account fee. In fact, when you keep your balance at or above $5,000, we’ll even reimburse you for ATM fees charged by other banks.5
Quick account details
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The Yield Pledge® Checking Account is a tiered, variable rate account. The quoted Annual Percentage Yields (APYs) are accurate as of 2/24/2017 12:00:00 AM. A fixed, 1-year introductory APY is available for first-time Yield Pledge Checking account holders on balances up to $250,000. The 1-year introductory APY for balances (i) up to $250,000 is 1.11%, and (ii) from $250,000.01 to $10,000,000 is best expressed as a range: 1.11% to 0.63%. Otherwise the variable ongoing APY applies by balance tier. Ongoing APYs and tiers may change without notice. If your average daily balance is within a tier, then your entire balance will have that corresponding APY, except as described above for the 1-year introductory APY. Current ongoing APYs and tiers are: 0.61% for $100,000 - $10,000,000; 0.51% for $50,000 - $99,999.99; 0.41% for $25,000 - $49,999.99; 0.36% for $10,000 - $24,999.99; and 0.25% for balances under $10,000. Higher balances are accepted. Accounts opened and initially funded with money transferred from another EverBank account are not eligible for the 1-year introductory APY. The required minimum opening deposit is $5,000. Fees may reduce earnings.
National Average APY information as of 2/23/2017 12:00:00 AM, as tracked in Bankrate.com's BRM National Index. National Average APYs and terms and conditions can change at any time.
Competitor APY information as of 2/23/2017 12:00:00 AM, provided by Market Rates Insight. Competitor APYs and terms and conditions can change at any time. Some competitor rates may vary by region.
EverBank promises that the yield on your Yield Pledge® Checking and/or Money Market Account will stay in the Top 5% of Competitive Accounts based on Bankrate Monitor National Index survey data from the last week of each month. "Competitive Accounts" are similar accounts from the 10 largest banks and thrifts in 10 large U.S. banking markets. This includes data from the 5 largest banks and 5 largest thrifts in each market, except in markets without 5 banks and 5 thrifts. Each week Bankrate.com surveys these institutions and distributes its results on a paid subscription basis. Not all institutions report each week. EverBank reserves the right to change its Yield Pledge calculation method as necessary to accommodate changes in Bankrate's survey methodology at any time.
Must be an existing EverBank client eligible to enroll in Online Check Deposit using our downloadable Android® or Apple® mobile banking app. See our Online Check Deposit Services Agreement for information on crediting of deposits. Funds availability subject to EverBank’s Funds Availability Disclosure. Both are found in your Personal Account Terms, Disclosures and Agreements Booklet. Subject to approval.
EverBank does not charge ATM fees. EverBank automatically reimburses ATM fees paid at other U.S. ATMs every month on EverBank accounts with a minimum average daily balance of $5,000. Reimbursement subject to termination for fraud or abuse.
EverBank's Web Safety Guarantee provides 100% protection for any funds lost due to unauthorized Online Use or an EverBank mistake. Online Use means any service which is used to initiate monetary transactions using the Online Financial Center, Business Online Banking, Online Bill Pay and Mobile Banking. Mobile Banking includes banking from web-enabled phones and other mobile devices. EverBank mistakes are limited to errors made solely by EverBank, and does not include those caused partly or entirely by (a) inaccurate or incomplete information provided by you, (b) your misuse of our services or systems, or (c) your failure to comply with all terms of our agreements with you. For more information about your responsibilities, please see the Online Banking Service Agreement and the Web Safety Guarantee section in the Account Terms, Disclosures and Agreements Booklet.