EverBank Review

Banking shouldn't cost you money, which is why you'll appreciate an account that skips the monthly maintenance fees and doesn't require you to keep a minimum balance. Your finances can fluctuate without penalty, giving you the freedom to use your money exactly when and how you need it.

When you're out and about, you won't face those annoying out-of-network ATM fees that can eat away at your balance. Plus, with built-in overdraft protection, you're shielded from those unexpected charges that might otherwise derail your budget. While receiving wire transfers won't cost you a penny, do keep in mind there are fees for sending wires.

The only notable gap in the cost-saving features is foreign transaction fees, which aren't waived. If you travel internationally or shop from overseas merchants, you'll want to consider this potential expense when planning your finances.

EverBank takes your security seriously with robust protective measures that go beyond basic password protection. Their two-factor authentication creates a powerful shield around your accounts, requiring a second verification step that keeps your money safe even if someone discovers your password. When something unusual happens with your account, real-time fraud alerts ping you immediately, giving you precious time to respond before damage occurs.

Your identity remains protected through comprehensive monitoring services that keep watch for your personal information across various channels. If the worst happens, EverBank has your back with up to $1,000 in reimbursement coverage for identity theft-related expenses when you use their debit card. The instant card lock feature puts control in your hands—just a few taps in the app lets you freeze your card if it goes missing or shows suspicious activity. Planning a trip? Simply set up travel notifications to ensure your legitimate transactions don't trigger security flags while you're exploring new places.

EverBank puts banking convenience in your pocket with native apps for both iOS and Android devices. While the app ratings aren't stellar (2.4/5 for iOS and 2.6/5 for Android), you'll have full access to account management, transfers, and other essential services right from your phone or tablet.

Stay on top of your finances with EverBank's practical mobile features. You can deposit checks by simply snapping a photo—no branch visit needed. When you're out and about, the ATM locator helps you find fee-free options nearby. Plus, you'll never miss a beat with customizable account alerts and instant push notifications that keep you informed about your money in real-time.

Skip the hassle of paper checks with direct deposit that puts your money right where you need it—instantly available in your account. You'll even get your paycheck up to two days earlier than scheduled, giving you a head start on bills or helping you handle surprise expenses before they become stressful.

Moving money becomes effortless with multiple transfer options tailored to your specific needs. Need to send funds quickly? Same-day wire transfers have you covered for time-sensitive situations, even for international transactions that reach global destinations within 1-3 business days.

Managing your financial life becomes simpler when you link your external accounts to view everything in one place. And when you need to move money between banks, free ACH transfers provide a cost-effective solution—perfect for regular transfers when you don't need the speed of a wire.

Taking control of your finances becomes second nature with a suite of intuitive money management tools at your fingertips. Track where every dollar goes with detailed spending analytics that automatically categorize transactions and reveal your spending patterns over time. The built-in budgeting tools help you set limits by category and visualize expenses, making it easier to stay on target with your financial goals.

Building savings happens almost effortlessly through smart automation features. Round-up savings quietly turns your everyday purchases into savings opportunities by rounding transactions to the nearest dollar. You can also create personalized savings rules that automatically transfer funds based on your preferences—whether that's moving a percentage of your paycheck or scheduling regular transfers on specific dates.

Staying organized couldn't be simpler with the ability to create sub-accounts within your main account. These dedicated spaces help you separate funds for different goals without juggling multiple accounts. Meanwhile, the integrated bill pay system serves as your financial command center, letting you schedule and manage all your payments in one place—so you'll never miss a due date or incur a late fee again.

EverBank makes managing your money a breeze with seamless digital payment options. You can instantly send cash to friends using Zelle—perfect when you need to split a dinner bill or chip in for a gift. For everyday shopping, both Apple Pay and Google Pay let you tap and go without fumbling for your wallet, while also keeping your payment info secure behind digital encryption.

Beyond everyday transactions, EverBank connects with tools that simplify your financial life. When you need to send money internationally, the Wise integration helps you avoid those hefty bank fees and confusing exchange rates that typically eat into your transfers. Small business owners will appreciate how the QuickBooks connection automatically pulls in your banking activity, saving you from tedious data entry and helping keep your books accurate without the extra work.

When you need banking assistance, EverBank's 24/7 phone support ensures help is always a call away. Whether it's a midnight card emergency or a question about your account, their representatives stand ready to assist you anytime—though some services may have limited availability during certain hours.

While EverBank doesn't currently offer live chat or bill negotiation services, their email support shines as a reliable option for less urgent matters. Many customers appreciate having a written record of their communications, especially when sharing specific account details or asking complex questions.

Perhaps most valuable is EverBank's full access to financial advisors. These professionals can guide you through life's big money moments—from buying your first home to planning for retirement. Having this expertise at your fingertips transforms abstract financial goals into achievable plans tailored to your unique situation.

When you need that personal touch, EverBank's 42 branch locations across 5 states provide face-to-face assistance for complex transactions, notarizations, and tailored financial guidance. Though limited geographically, these branches complement the bank's robust ATM network, where you can make deposits and withdrawals without fees. Just remember that cash deposited at non-EverBank ATMs won't be available until the fifth business day.

Travel plans on the horizon? You can use your EverBank debit card internationally through the Allpoint and MoneyPass networks, though you'll face a 2% conversion fee on foreign transactions. Back at home, you'll appreciate the bank's full support for large cash withdrawals, cashier's checks, and currency exchange services – particularly handy when you're making major purchases or planning overseas trips.

For safeguarding your valuables, EverBank provides safe deposit boxes at select locations, giving you a secure alternative to that shoebox in your closet. While not available at every branch, this service – along with their notary services – adds convenience that can save you both time and worry when dealing with important documents and irreplaceable items.

EverBank brings your financial world together with seamlessly integrated investment accounts. You can buy, sell, and manage stocks, bonds, and mutual funds right alongside your banking, making it easier to keep tabs on your complete financial picture in one place. Plus, their cashback rewards program puts money back in your pocket on everyday debit card purchases—a little bonus that adds up over time.

If you're a globetrotter or do business internationally, you'll appreciate EverBank's foreign currency accounts. These accounts let you hold multiple currencies without the hassle of constant exchanges and their associated fees. While EverBank doesn't currently support cryptocurrency trading or credit monitoring services, their strong foundation in traditional banking and investments gives you plenty of tools to build and manage your financial future with confidence.