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A high interest checking account with no monthly fee. Wow.

FreeNet Checking Account

It's amazingly simple how our high interest checking account can put your money to work for you. First, we're committed to delivering a high yield on your checking account balance. Second, we're not going to let a monthly fee erode your earnings. Plus, we don't require a minimum balance to earn a great yield.

   

An interest checking account that leads the competition

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First-year APY based on balances from $50,000 - $99,999 for new account holders.
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  • GREAT RATE TO START
  • 3.76%
  • 3-Month Bonus Rate2
  • A HIGH YIELD
    ALL YEAR LONG
  • 3.09%
  • First-year APY2
  • ($50K - $100K)

A high yield FDIC insured account that makes a difference

Switch checking accounts today and start enjoying the following benefits:

I'm interested in opening a high interest checking account at EverBank®. What's my next step?

For more information call one of our Customer Care Specialists: 888.882.EVER (3837). Or apply online right now.

Apply Now
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An interest checking account that simplifies how you bank

Online banking that works with your everyday life. Earn high interest and enjoy the freedom to manage your checking account when and where you want.

  • Bank online and pay bills from your PC and internet-enabled cell phone
  • Transfer funds between your EverBank account and other financial institution from one site
  • Use our telephone banking service to transfer funds between EverBank accounts

Learn more about the EverBank Online Financial Center  >

  • Directly deposit your paycheck, pension, or Social Security check
  • Access over 13,000 deposit-taking ATMs throughout the nation
  • Mail pre-paid Bank-by-Mail envelopes
  • Wire transfer funds into your account for free

Learn more about depositing money into your FreeNet® Checking Account  >

  • Write unlimited checks and enjoy your first book of checks for free
  • Withdraw cash from ATMs (over 500,000 nationwide) and pay no EverBank fees with your Visa® Check Card
  • Receive $6 per month reimbursement of ATM fees6
  • Request wire transfers and cashier’s checks

Real 24 hours, 7 day a week customer service

We realize that not all banking solutions are online, that's why we provide easy to access customer service. Just call 888.882.EVER (3837) and an EverBank® Customer Care Specialist will be happy to help you with your banking needs.
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We take your financial security seriously. And we're willing to guarantee it.


EverBank meets security risks head-on with the strongest measures available today.
  • Comprehensive encryption technology that secures your personal data when sent to and from your computer to our system
  • Secure access to Online Banking from EverBank.com
  • Confidently sign on with visual cues and confirmation questions—assuring you that it's safe to enter your information
  • Option to register your computer, so we know it's you accessing your financial information
  • Account number masking prevents others from obtaining that information while you are signed on and viewing your accounts

Web Safety Guarantee


In the unlikely event of a security system failure or a missed or misdirected payment that is the fault of EverBank, you will be reimbursed for lost funds and, if applicable, for any penalties incurred as a result. This guarantee applies in any of the following instances:
  • An error made by an EverBank employee resulting in an unauthorized or erroneous transaction that results in lost or misplaced funds
  • An EverBank system error that results in lost or misplaced funds
  • A computer crime that the EverBank security system fails to prevent
  • An unauthorized debit card transaction. However, if your card is lost or stolen, it must be reported within two days.
  • A missed or misdirected payment that is the fault of EverBank
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  1. Rate information as of 1/01/2009. Competitor rates and terms and conditions can change at any time. Some competitor rates may vary by region. Sources for competitor information: bankofamerica.com, chase.com, citi.com, usbank.com.
  2. Rates and Annual Percentage Yields (APYs) shown are current as of 1/1/2009 12:00:00 AM. Minimum opening deposit of $1,500 is required. This is a tiered, variable rate account and any of the tiers or rates may change at any time without notice. This bonus rate and New Account First-Year APYs are available to first-time EverBank account holders only and are limited to one account per household. The bonus rate will apply to the first $99,999.99 on deposit for the first three months after account opening (the "Bonus Period"), and may change at any time prior to account opening. The APY for the 12 month period after the account is opened is the "New Account First-Year APY" or "First-Year APY." New Account First-Year APY for Balances of $100,000 or more: During the Bonus Period, balances of $100,000 or more will earn an interest rate of 3.76% for the first $99,999.99 and an interest rate of 2.92% for all amounts above $99,999.99, with all funds in the account earning the applicable ongoing interest rate, currently 2.92%, after the Bonus Period ends. Assuming the highest balance in the account is $10,000,000, the range of APYs available for this highest tier, based on the bonus rate, the ongoing rate, and the average collected daily balance on your account for the 12 month period after the account is opened is 3.18%-2.97% APY. Without Bonus Rate: Without this bonus offer, the current tiers and APYs as of 1/1/2009 12:00:00 AM are: $100,000 and higher, 2.96%; $50K-$99,999.99, 2.85%; $25K-$49,999.99, 1.96%; $10K-$24,999.99, 1.76%; and under $10K, 1.51%. Higher balances are accepted.
  3. EverBank pledges to keep the yield on your account in the top 5% of competitive accounts as tracked in the Bankrate.com National IndexTM of leading banks and thrifts.
  4. Customer must notify EverBank of reason for dissatisfaction within 30 days of 3-month anniversary. Limit one per household. New EverBank customers only. Not valid with any other EverBank offer. Minimum of 3 online bill payments over the 3-month period required. Then, if for any reason whatsoever you are not completely convinced that our FreeNet Checking Account is the best bank account in the nation, tell us about your experience. If you close your account within 30 days of your 3-month anniversary, we'll send you a check for $50.00 after we hear from you, as our way of saying "Thank You!" for giving us a try.
  5. The FreeNet Checking Account offers optional Online Bill Pay. Online Bill Pay has no fee when you maintain a minimum average monthly balance of at least $1,500. Otherwise, a $4.95 monthly fee is assessed for Online Bill Pay.
  6. EverBank will reimburse up to $6 per calendar month for non-EverBank charges on U.S. ATM transactions provided receipts showing the fees are mailed within 90 days of the transaction date.
  7. Subject to credit approval.
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  2. EverBank, the EverBank Infinity Sphere and the EverBank logo, along with FreeNet and Yield Pledge are proprietary service marks of EverBank. All rights reserved.
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888.882.EVER (3837)

Get help with your banking needs.
Talk to a Customer Care Specialist today.