EverBank Performance Checking review

EverBank Performance Checking pays a flat 0.25% APY on every balance tier EverBank lists, from $0 to $9,999.99 up to $100,000 and above, with rates accurate as of 11/13/2026. There are no qualification rules to track, a $0 monthly maintenance fee and no EverBank ATM fees. EverBank also pays back fees other banks charge at their ATMs: without a cap on accounts with a minimum balance of $5,000, and up to $15 a month below that. The account includes bill pay, Zelle, mobile check deposits and debit card protection, and it can be opened by phone or at financial centers in Florida and California. It takes $100 to open. The rate is the reason it sits low in this ranking: 0.25% is a quarter of what Axos pays with a single direct deposit. It fits best for people who already keep savings at EverBank and want checking under the same roof.

Who it is for

EverBank savers who want interest checking with ATM refunds

Price

$0 monthly maintenance fee; $100 minimum to open.

$0 Monthly maintenance fee $0 EverBank ATM fees
Quoted from the vendor pricing page on November 13, 2026.

Key features

• 0.25% APY on every balance tier, from $0 to $100,000 and up
• $0 monthly maintenance fee
• Unlimited ATM fee reimbursements with a $5,000 minimum balance
• Up to $15 per month in ATM fee reimbursements on lower balances
• Bill pay, Zelle and mobile check deposits

Strengths and weaknesses

• Strength: The same 0.25% APY applies from the first dollar, with no activity rules
• Strength: Unlimited ATM fee reimbursements at $5,000 or more
• Strength: Financial centers in Florida and California for in-person help
• Weakness: $100 minimum to open
• Weakness: 0.25% APY is low next to the rewards checking accounts on this list
• Weakness: ATM reimbursements are capped at $15 per month below $5,000

Key facts

• APY: 0.25% on all tiers
• Monthly fee: $0
• Minimum to open: $100
• ATM reimbursement: Unlimited at $5,000+, else $15 per month

Where it ranks

EverBank Performance Checking is No. 7 in our Best High Interest Checking Accounts verdict.