Yield Pledge® Checking

Everyday checking, elevated

An interest-bearing checking account made for you that has it all: a yield in the top 5% of Competitive Accounts,x the freedom to manage your money as you see fit, and no hidden fees.

  • Guaranteed high yields with our Yield Pledge promiseWe guarantee that your yield will always be high. On a monthly basis, we assess competitor yields and will adjust ours as needed to ensure they’re among the top 5% of Competitive Accounts.x
  • No monthly maintenance fee
  • ATM fee reimbursementsWe don’t charge ATM fees, and we’ll even pay you back when other banks do. For accounts with a minimum balance of $5,000, get unlimited ATM fee reimbursements. For those with lower balances, get up to $15 per month in ATM fee reimbursements.x
  • Mobile check depositsx
  • Access to your money through checks and debit card with benefits

  • Zelle® and online bill pay
  • Move money with internal and external transfers

  • FDIC insured
  • $100 to open

Best Checking Accounts

In 2023, our Yield Pledge Checking account was selected as one of the best by GOBankingRates.

The Ascent 4.5 star rating

The Ascent awarded our Yield Pledge Checking account with 4.5 stars for competitive rates and ATM reimbursements.

See how we compare

With a $50,000 balance, our APY beats the competition.

EverBankx  0.45%
National averagex  0.09%
Bank of Americax 0.02%
Wells Fargox 0.01%

Start earning more with our Yield Pledge promise

Higher interest means more money in your pocket for the things that matter most. Find out more about our Yield Pledge promise and high-yield guarantee today.x

Easy access

Get better connected to your money

Use the TIAA mobile app to bank smartly even when you’re on the go.

Strong and secure

Bank securely and with confidence

We protect your information with strong encryption methods. Plus, we have your back with our Web Safety Guarantee.x

Open online now

Your money's going to thank you

Set your money on the right course with our seamless online account application.

  1. Apply

    Open your new account online and with ease.

  2. Fund account

    Send an opening deposit by online transfer or mobile deposit.

  3. Start banking

    Set up online banking and watch your money grow.

Straight talk

No hidden fees

Keep your earnings growing, not eroding. With our Yield Pledge Checking account, you will not be nickel-and-dimed with a monthly account fee or EverBank ATM fees.

  • Monthly maintenance fee
  • EverBank ATM feesWe don’t charge ATM fees, and we’ll even pay you back when other banks do. For accounts with a minimum balance of $5,000, get unlimited ATM fee reimbursements. For those with lower balances, get up to $15 per month in ATM fee reimbursements.x
Fee typeFee amount
Online bill payExpedited bill payments are available for a fee.$0
Replacement debit card$0
Overdraft transfer feeBy setting up a link between two EverBank accounts, you can leave the worry of overdrafts behind.$0
Stop payment fee$25

Your questions answered

Yes. Your deposits with us will be FDIC insured up to the standard $250K per depositor for each account ownership category.x We employ a wide range of security measures to ensure the safety of your digital information. EverBank has also received industry recognition for safety and financial strength from a number of respected sources.


While we are now EverBank, your accounts continue to be serviced by TIAA at this time. Please log in with your usual credentials.
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Web Safety Guarantee

Your safety is our priority

Our Web Safety Guarantee adds an extra layer of protection to your online security, so you can bank with peace of mind.x Our guarantee provides 100% protection for any funds in your consumer or business deposit accounts that are lost due to unauthorized Online Use or an EverBank mistake. We also cover fees for late bill payments if your payment doesn’t arrive by the delivery date shown in the online bill payment calendar. To qualify for coverage, you’ll need to:

  • Ensure you (or your employees) keep your online access credentials to yourself. Do not share them with anyone. If you suspect that your username, password, token, security code and/or PIN have been lost or stolen, change them and contact us immediately. At any time you may ask us to disable your password and issue a new one to you.
  • Report any unauthorized access or suspicious activity on your account immediately.
  • You (or your employees) should never leave computers or mobile devices unattended while logged in to the EverBank website; always log out completely when finished. To notify EverBank of unauthorized activity, please call Client Solutions or Business Support.

For more information about your responsibilities, please see the Web Safety Guarantee section in the Terms and Conditions booklet that pertains to you.