Everbank has been my primary checking+saving acct for the last decade. The automatic atm fee reimbursement is great. For deposits, you can make deposits online, or you can deposit by mail and they pay the postage. Their free online bill pay is convenient and has been very reliable. They pay consistently good interest, and everbank is appropriate if you maintain a reasonable balance. Given that they pay good rates on checking, there's no reason to maintain a separate savings account, though they also have a decent money market account. Rates: while their rates are good, they usually don't have the highest rate, but rather a competitive rate. Beware that their advertised rates are misleading teaser rates, and you have to dig through their fine print to find the regular ongoing rate. Customer service on the phone has been pretty good and i haven't had to wait on hold very long. But I've only called maybe once every couple of years.
Took many phone calls and emails, and never returned calls to actually initialize my account, thanks to a plethora of (mostly unprofessional) reps passing the buck like champs. I later had to mail documents in order to process the opening
Finally my money market account deposit was accepted and all is well, Free checks are part of the deal, as well as a decent interest rate for the first year.
Their website isn't very pretty or user friendly, but the iPhone app is a joke, very limited information can be accessed beyond your balance, and the fact that you have an account with Everbank.
I hope someone at Everbank is reading this you guys need to step up your game and focus on customer service and give us a credible app!
I called to ask if they had a specific type of account and was told they did. So I wasted my time filling out the paper work and sending it in with a rather substantial check. 3 days after they got it they called to tell me they don't have that kind of account and would send my money back. No (sincere) apology or any indication that they wouldn't be happy to do the same thing to the next person. It took them a full week to "process the paperwork" to send me my money back, and then they sent it back by regular mail even though their own policies say that a check of that size should be sent FedEx.
In other words, they live by the slogan "Our mistakes, your problem." they went oh-for-three and no indication it wouldn't happen to the next sucker to come along.
Started a refi process in May 2013. This is September 2013 (5th month in the works) and absolutely nothing. No word, no response, no nothing. Only more paperwork to complete and send in to no avail.
Truly begs the question: How on the planet earth is this brokerage still in business?