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You understand the value of doing something new

We approach the traditional in an original way



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At EverBank®, your money can earn more—even with a checking account. Your portfolio can be diversified—globally and domestically. Your personal and business accounts can be easily managed—online and on the phone. Quite simply, we deliver value-added opportunities for you to save, grow, and manage your money.

You're always planning. We'll take you where you
want to go—our transport's just unique.

PERSONAL FINANCE

Discover how we bring value to your personal banking experience with high yields, free Online Banking, and optional Online Bill Pay with no fees.1

RETIREMENT PLANNING

From capital preservation to portfolio diversification EverBank's IRAs can help you achieve your retirement goals—when an ordianry IRA just won't do.

LENDING

Explore how our home financing solutions can help you purchase or refinance a home.

DIVERSIFICATION

Learn how EverBank can help diversify your portfolio with a selection of low-cost and flexible foreign currency accounts.

Precious Metals

Discover how simple and affordable it is to buy gold and silver coins or bars through EverBank.

Online Trading

Take advantage of our online trading opportunities offered by EverTrade® Direct Brokerage Inc3.—low online and broker assisted trading costs and access to non-FDIC insured World Bonds.

BUSINESS BANKING

Learn how we can help you with your business banking or deposit needs with our selection of business checking and money market accounts, as well as cash management solutions.

Business cash management services:
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  2. EverBank, EverTrade, the EverBank Infinity Sphere and EverBank logo, along with World Energy are proprietary service marks of EverBank. All rights reserved.
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888.882.EVER (3837)

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Important Disclosures

  1. The FreeNet Checking Account offers optional Online Bill Pay. Online Bill Pay has no fee when you maintain a minimum average daily balance of at least $5,000. Otherwise an $8.95 monthly fee is assessed for Online Bill Pay.

  2. EverBank Metals Select products are not deposits of EverBank, are not insured by the FDIC or any other government agency and the value of the holdings are not guaranteed and are subject to significant risk, including the possible loss of principal due to market price movement. Investing in metals involves degrees of risk that make them unsuitable for certain individuals. You should carefully consider the suitability of such metals before making any decision.

  3. EverBank is a FDIC insured savings bank. EverTrade Direct Brokerage, Inc. is a separate, but affiliated company of EverBank. Investment products and services are provided by EverTrade Direct Brokerage, Inc. and are: NOT insured by the FDIC and may lose value, NOT deposits of EverBank, NOT guaranteed by EverBank or guaranteed by the federal government. EverTrade Direct Brokerage, Inc. is registered as a broker/dealer with the Securities and Exchange Commission and is a member of the FINRA/SIPC.

  4. FreeNet Checking is a tiered, variable rate account. All of our current ongoing yields and tiers may change without notice (current tiers and ongoing Annual Percentage Yields are: $100,000 and up 1.26% APY, $50,000 - $99,999.99 1.20% APY, $25,000 - $49,999.99 1.16% APY, $10,000 - $24,999.99 0.70% APY and under $10,000 0.51% APY). EverBank invites first-time FreeNet Checking account holders to enjoy a three month Bonus Interest Rate and New Account First Year APY offer on their new account. The Bonus Interest Rate that is offered at account opening (currently 2.25%) remains fixed for the first three months and applies to balances up to $100,000. If you have a balance of $100,000 or more, those additional funds will earn the variable ongoing APY for our highest tier (currently 1.26% APY) which may change anytime - even during the first three months As required by law, we are disclosing a blended APY that combines the Bonus Interest Rate with the current ongoing rates to provide an estimated annualized figure, the New Account First Year APY, based on your average daily collected balance. However, this blended APY is not the exact APY that you would actually receive because the current ongoing rate will change periodically over the remaining 9 months of the First Year. Our New Account First-Year APYs are $50,000 - $99,999.99 1.46% APY, $25,000 - $49,999.99 1.43% APY, $10,000 - $24,999.99 1.09% APY and under $10,000 0.95% APY. The New Account First-Year APY for balances from $100,000 to $10,000,000 is best expressed as a range: 1.51 to 1.26%; higher balances are accepted. The minimum deposit to open the account is $1,500. Interest rates and APYs mentioned are accurate as of 8/27/2010 12:00:00 AM.

  5. Interest rates and Annual Percentage Yields mentioned are accurate as of 8/27/2010 12:00:00 AM. This is a variable rate account. Interest rates and APYs are subject to change without notice. EverBank invites first-time Yield Pledge Money Market account holders to enjoy a three month Bonus Interest Rate and New Account First-Year APY offer on their new account. The Bonus Interest Rate that is offered at account opening (currently 2.25%) remains fixed for the first three months and applies to balances up to and including $50,000. If you have a balance over $50,000: those additional funds will earn the variable ongoing APY of 1.26%, which may change at anytime even during the first three months. As required by law, we are disclosing a blended APY that combines the Bonus Interest Rate with the current ongoing rates to provide an estimated annualized figure, the New Account First Year APY, based on your average daily collected balance. However, this blended APY is not the exact APY that you would actually receive because the current ongoing rate will change periodically over the remaining 9 months of the First Year. Our New Account First-Year APY up to $50,000 is 1.51% APY. The New Account First-Year APY for balances from $50,001 to $10,000,000 is best expressed as a range: 1.51% to 1.26%; higher balances are accepted. Without the bonus rate, the ongoing yield regardless of balance is 1.26%. Required minimum opening deposit is $1,500. For any month in which the account's average daily balance falls below $5,000, an $8.95 monthly fee applies. Fees may reduce earnings.

  6. 30-year Fixed: A $250,000 home financed at 4.272% Annual Percentage Rate (APR) with 20% down results in a loan amount of $200,000 repaid in 360 equal monthly payments of $969.30. Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. If the down payment is less than 20% mortgage insurance may be needed, which will increase monthly payment and APR. Subject to credit and property approval. Interest rate, program terms and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. The advertised rate is available to only those borrowers with a FICO credit score of 720 or higher.

    15-year Fixed: A $250,000 home financed at 3.867% Annual Percentage Rate (APR) with 20% down results in a loan amount of $200,000 repaid in 180 equal monthly payments of $1,454.44. Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. If the down payment is less than 20% mortgage insurance may be needed, which will increase monthly payment and APR. Subject to credit and property approval. Interest rate, program terms and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. The advertised rate is available to only those borrowers with a FICO credit score of 720 or higher.
  7. 5/1 ARM: A $250,000 home financed at 3.315% Annual Percentage Rate (APR) with 20% down results in a loan amount of $200,000. The initial rate of 3.500% is effective for 60 months and will be repaid in 60 monthly payments of $898.09. Subsequent payments at the rate of 3.375% will be repaid in 300 monthly payments of $886.11. Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. This is a variable rate loan product. Rates and monthly payment amounts may increase after closing. If the down payment is less than 20% mortgage insurance may be needed, which will increase monthly payment and APR. Subject to credit and property approval. Interest rate, program terms and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. The advertised rate is available to only those borrowers with a FICO credit score of 720 or higher. Other restrictions and limitations may apply.

  8. If you request funds in this account be denominated in a currency other than the currency you deposit with EverBank, we will convert your currency using a then current Exchange Rate. The Exchange Rate you pay will be within 1% of the available Market Rate for the selected foreign currency. Exceptions may occur when a specific conversion rate is agreed upon between you and EverBank or when an Exchange Rate is limited by conditions beyond our control (including government restrictions, wars, insurrections, economic conditions in the country whose currency you select or in the United States, and/or other "Acts of God"). The Market Rate is a market price available on the Interbank currency market and is not published in any newspaper, on any website or in any other publicly available source. Published exchange rates or spot rates may not accurately reflect rates on the Interbank Market or the Exchange Rate available to you. You are not obligated to conduct Exchange Transactions with EverBank. Please see the Foreign Currency Deposit Account Disclosure for more information about EverBank's Exchange Rates.

  9. Rates as of 8/27/2010 12:00:00 AM. Rates may change at any time prior to the opening of the CD. The quoted annual percentage yield (APY) applies only to the corresponding term also quoted with the APY, and assumes that interest remains on deposit until maturity. Penalties for early withdrawal apply. The stated APY does not reflect the potential gains or losses that may occur due to fluctuations in the currency market. A minimum deposit of $10,000 or foreign currency equivalent is required to open the account. For the special Indian rupee and Brazilian real CDs the minimum opening deposit is $20,000 or foreign currency equivalent.

  10. Rates as of 8/27/2010 12:00:00 AM. Rates may change at any time prior to the opening of the CD. The quoted annual percentage yield (APY) applies only to the corresponding term also quoted with the APY, and assumes that interest remains on deposit until maturity. The stated APY does not reflect the potential gains or losses that may occur due to fluctuations in the currency market. Interest earned on your Basket CD will be paid in additional units of the CD. Each unit is made up of each of the currencies listed here in accordance with the specified weightings. At maturity, your units can be rolled over into a new Basket CD or converted to U.S. dollars at an Exchange Rate that blends the Market Rate of each currency in accordance with that currency's weighting and also includes our Spread. Penalties for early withdrawal apply. A minimum deposit of $20,000 or foreign currency equivalent is required to open the account.