• 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.1
  • 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.2
  • Mobile check deposits3
  • 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

Yes. Your deposits with us will be FDIC insured up to the standard $250K per depositor for each account ownership category.8 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.

Information to keep in mind

  1. We promise that the yield on your Yield Pledge® Checking, Money Market and/or Online Savings Account will stay in the Top 5% of Competitive Accounts based on the 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 for which rates are available, except in markets without 5 banks and 5 thrifts. Each week Bankrate surveys these institutions and distributes its results to certain institutions on a paid-for basis. Not all institutions report each week. We reserve the right to change, at any time and without prior notice to you, our Yield Pledge calculation method as necessary to accommodate changes in Bankrate's survey and/or its distribution methodology, including, without limitation, by switching to a different, comparable methodology that may not be based on information from Bankrate.

  2. We do not charge ATM fees and will automatically reimburse you up to $15 for the ATM fees paid at other U.S. ATMs each month, regardless of your account balances with us. For your bank accounts with us that carry a minimum average daily balance of $5,000, ATM fee reimbursement is unlimited. Reimbursement is subject to termination for fraud or abuse and will not apply for the month in which your account is closed. You may also use your bank debit card at Allpoint and MoneyPass ATMs nationwide without incurring a fee. Allpoint is a registered trademark of ATM NATIONAL, LLC. MoneyPass and the MoneyPass logo are registered trademarks of U.S. Bank National Association, doing business as Elan Financial Services.

  3. Must be an existing bank client enrolled in online banking using the TIAA mobile app. See our Mobile Check Deposit Agreement for information on crediting of deposits. Funds availability subject to the terms within our Funds Availability Disclosure. Both are found in your Personal Account Terms, Disclosures and Agreements Booklet.

  4. The quoted Yield Pledge® Checking Account Annual Percentage Yields (APYs) are accurate as of 10/02/2023. This is a tiered, variable rate account and the APYs and balance tiers may change without notice. The variable APY applicable to the account each day is determined by the ending daily collected balance as follows: 0.25% for $100,000 and up; 0.25% for $50,000 - $99,999.99; 0.25% for $25,000 - $49,999.99; 0.25% for $10,000 - $24,999.99; and 0.25% for balances under $10,000. The required minimum opening deposit is $100. Fees may reduce earnings.

  5. National Average APY information as of 09/28/2023, as tracked in Bankrate.com's National Average survey. National Average APYs and terms and conditions can change at any time.

  6. Source: Curinos LLC as of 09/28/2023. Competitor APY information is obtained from public sources; accuracy and completeness cannot be guaranteed. Competitor data may vary by region and is subject to change at any time. Curinos is not liable for reliance on the data.

  7. Our 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 our online banking platform, 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 do 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 sections in the Account Terms, Disclosures and Agreements Booklet.

  8. EverBank, N.A. is an FDIC-insured national banking association. The standard FDIC insurance limit of $250,000 applies per depositor, per insured depository institution for each account ownership category.


    Web Safety Guarantee

    • 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.