Personal banking
Discover all the ways we put your money to work
Banking solutions that work as hard as you do.
5.15%
APY1
5.50%
9-month CD APY2
4.75%
1-year intro APYFirst-year APY reflects a 1-year introductory rate available to first-time money market clients on balances up to $250K. Ongoing APYs otherwise apply.3
Get more bank for your buck
We want to make sure your unique needs are met. That's why we offer a range of notable features.
- Competitive rates
Our Yield Pledge accountsWe guarantee that your yield will always be high. We regularly compare the rates other banks are offering to make sure we keep your yield among the top 5% of Competitive Accounts. guarantee yields in the top 5%.4
- No hidden fees
No monthly maintenance or overdraft fees. We're here to grow your money, not take it.
- FDIC insurance into the millions
Get peace of mind with a robust safety net of FDIC insurance coverage expandable up to $50M5 with our CDARS® CD.6
- Earn interest on interest
Your balance and the interest you accrue earns money with interest compounded daily.
- ATM fee reimbursements
We don’t charge ATM fees, and we’ll even pay you back when others do.7
- Convenient access
When you want your money, you’ve got optionsAvailable options vary depending on your account type. , including debit cards, personal checks, online and wire transfers, online bill pay and Zelle®.8
Built to give you a competitive advantage
We're serious about making sure your hard-earned money goes the distance. That's why our EverBank Performance℠ Savings account delivers you a well-deserved high yield, no monthly maintenance fee and convenient online and mobile access.
Don’t settle for average
With a $50,000 balance, our APY beats the competition.
| APY | |
|---|---|
| EverBank Performance Savings1 | 5.15% |
| National average9 | 0.52% |
| Bank of America10 | 0.01% |
| Wells Fargo10 | 0.15% |
A range of banking solutions
Take a closer look with a side-by-side comparison of some of our featured accounts.
| EverBank Performance Savings | EverBank CD | Yield Pledge Money Market | Yield Pledge Checking | |
|---|---|---|---|---|
| Rate | 5.15% APY1 | 5.50% 9-month CD APY2 | 4.75% 1-year intro APYFirst-year APY reflects a 1-year introductory rate available to first-time money market clients on balances up to $250K. Ongoing APYs otherwise apply.3 | 0.45% APY on all balance tiers11 |
| Ideal for | Building savings with a great rate accessed through online and mobile services | Locking in a great rate from 3 months to 5 years | Growing your savings with access to ATMs and checks | Everyday banking, using online bill pay, and sending or receiving money |
| Competitive high yields | ||||
| No monthly account fee | ||||
| Debit card with purchase benefits | On request | |||
| 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.7 | ||||
| No-fee online bill payExpedited bill payments are available for a fee. | ||||
| FDIC insured | ||||
| Minimum to open | $0 | $1,000 | $0 | $100 |
| Open an account | Open an account | Open an account | Open an account | |
| See account details | See account details | See account details | See account details |
Mobile Banking
Our mobile app keeps you in touch with your money
Use the TIAA mobile app to bank on your time and 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.12
How We Rate
Feel good about your bank
Best Online Banks of 2023
Our great rates, dedicated personal service and wide range of financial products earned us a GOBankingRates Best Online Banks of 2023 award.
4+ Star Rating
Bankrate's 2023 review of our products and services earned us a 4+ star rating out of 5 for quality and client focus.
Best Internet Banks of 2023
Competitive rates and low fees won our Yield Pledge accounts the Kiplinger's Best Internet Banks: Silver award for 2023.13
Our full range of banking accounts and resources
Explore all the ways we can help you make the most of your money.
Savings accounts
Checking accounts
CD accounts
Information to keep in mind
The quoted EverBank PerformanceSM Savings Account Annual Percentage Yield (APY) is accurate as of 12/08/2023. This is a variable rate account, and the APY may change without notice. The required minimum opening deposit is $0. Fees may reduce earnings.
The quoted EverBank CD Annual Percentage Yields (APYs) are accurate as of 12/08/2023. APY assumes interest remains on deposit until maturity. These APYs are applicable to all CD principal balances. The required minimum opening deposit is $1,000. Early withdrawal penalties apply. Fees may reduce earnings.
The quoted Yield Pledge® Money Market Account Annual Percentage Yields (APYs) are accurate as of 12/08/2023. This is a tiered, variable rate account. Except as described below for accounts eligible for the 1-year introductory APY, the ongoing APYs and balance tiers apply and may change without notice and the variable ongoing APY applicable to the account each day is determined by the ending daily collected balance as follows: 4.30% for $100,000 and up; 4.05% for $50,000 - $99,999.99; 3.75% for $25,000 - $49,999.99; 3.75% for $10,000 - $24,999.99; and 3.75% for balances under $10,000. The required minimum opening deposit is $0. Fees may reduce earnings.
For first-time Yield Pledge Money Market account holders, balances up to $250,000 will receive a fixed, 1-year introductory APY of at least 4.75%, and balances of $250,000.01 and up will receive a blended APY ranging from 4.75% to 4.30%, which is based on the fixed, 1-year introductory APY applicable to balances up to $250,000 and the applicable variable ongoing APY described above. For accounts eligible for the 1-year introductory APY, if the ongoing APY exceeds the quoted 1-year introductory APY, the account will earn the higher, ongoing APY.
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.
CDARS has an overall funding limit per depositor of $50 million. This overall funding limit includes all deposits placed in the CDARS product through any IntraFi network bank. This means that if you currently have a CDARS CD with another member bank, the amount of FDIC insurance coverage available to you via the network when opening a CDARS CD with us will be reduced by the amount you already have placed through the CDARS CD you have with the other bank.
The quoted CDARS® CD Annual Percentage Yields (APYs) are accurate as of 12/08/2023 and assume that interest remains on deposit until maturity. APYs may change prior to account opening. The following funding limits apply per depositor, per CD term, per week, up to an overall funding limit through CDARS of $50 million: CD terms of 3 months are limited to $10M per week. CD terms of 6 months are limited to $10M per week. CD terms of 1 year are limited to $10M per week. CD terms of 2 years are limited to $1M per week. CD terms of 3 years are limited to $0.5M per week. Early withdrawal penalties apply. Fees may reduce earnings. A minimum deposit of $10,000 is required to open the CD. Funds may be submitted for placement only after a depositor enters into a CDARS Deposit Placement Agreement with us. This agreement contains important information and conditions regarding the placement of funds by us. CDARS CDs are not funded and opened ("Placed") immediately. Deposits above single institution FDIC insurance limits will not benefit from higher insurance protection until the deposit is Placed. The date your funds are received sets the earliest time your deposit can be Placed. CDARS CDs are Placed each week on Thursdays or the first Business Day thereafter. See the CDARS Deposit Placement Agreement for details. CDARS is a registered service mark of IntraFi Network LLC.
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.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
National Average APY information as of 12/07/2023, as tracked in Bankrate.com's National Average survey. National Average APYs and terms and conditions can change at any time.
Source: Curinos LLC as of 12/07/2023. 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.
The quoted Yield Pledge® Checking Account Annual Percentage Yields (APYs) are accurate as of 12/08/2023. 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: 0.45% for $100,000 and up; 0.45% for $50,000 - $99,999.99; 0.45% for $25,000 - $49,999.99; 0.45% for $10,000 - $24,999.99; and 0.45% for balances under $10,000. The required minimum opening deposit is $100. Fees may reduce earnings.
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.
From Kiplinger's Personal Finance. ©2023 The Kiplinger Washington Editors. All rights reserved. Used under license.
