• $1,500 to open 
  • Earn a competitive yield on all balances 
  • No monthly maintenance fee 
  • ATM fee reimbursementsKeep a minimum average daily balance of $5,000 in your account, and we’ll reimburse you monthly for all ATM fees charged by other banks. For balances under $5,000, get reimbursed for up to $15 in ATM fees monthly.1
  • Convenient mobile check deposit2
  • Overdraft protection available 

Annual Percentage Yields (APYs) are accurate as of 09/15/2023.

Monday Friday, 8 a.m. – 5 p.m. (ET)

Accepting payments 
Making payments 
  • Initiate domestic & foreign wires 
  • Comprehensive bill pay solution 
  • Use ACH for payables and payroll 
Business fraud detection and protection 
  • Check Positive Pay 
  • ACH Positive Pay 
  • Online Stop Pay 
Business Online Banking 
  • View check images & eStatements
  • Run a wide range of reports
  • Download to financial software

Information to keep in mind

  1. 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.

  2. Must be an existing business banking client enrolled in Business Online Banking to access the downloadable Android or Apple mobile banking app and make mobile check deposits. For information on crediting of deposits, the availability of funds for withdrawals and other transactions, see the Funds Availability Disclosure and the Imaged Deposits Service section of the Business and Non-Personal Account Terms, Disclosures and Agreements Booklet. Business Online Banking enrollment is subject to approval and fees may apply.

  3. The quoted Small Business Checking Account Annual Percentage Yields (APYs) are accurate as of 09/15/2023. 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: 0.50% for $100,000 and up; 0.50% for $50,000 - $99,999.99; 0.50% for $25,000 - $49,999.99; 0.50% for $10,000 - $24,999.99; and 0.50% for balances under $10,000. The required minimum opening deposit is $1,500. Fees may reduce earnings. This account is only available to unincorporated sole-proprietors and single-member LLCs.

  4. Must be an existing business banking client to enroll in Remote Deposit Capture. For information on crediting of deposits, the availability of funds for withdrawals and other transactions, see the Funds Availability Disclosure and the Imaged Deposits Service section of the Business and Non-Personal Account Terms, Disclosures and Agreements Booklet. Subject to approval.

  5. 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.

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    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.