In early 2012, I was informed by Wells Fargo of a new "fee" for some of their account holders. As a Wells Fargo account holder of over 20 years, I was not happy about this fee so I began the dreaded search of finding a new bank. I searched everywhere -- big banks, small banks, credit unions, online banks -- and finally came across Everbank. I used their chat feature on their website and spoke with Dennis. Dennis was very helpful and friendly, explaining all the great features of Everbank. The sign up process is a bit different than most banks, as I was required to mail the paperwork in along with a check. Dennis was kind enough to give me a prepaid label to overnight this with Fedex.

Approximately two days later, my accounts were open and I setup my online access. Since this moment, I have been very pleased with the service that I have received from Everbank. Every phone call has ended in a resolution to a problem. The online banking layout and smartphone app gets the job done. The only thing I would admit that I wasn't pleased with was the fee for online bill pay (unless you maintain a $5,000 daily balance). This is a minor problem, as I don't use online bill pay often.

I am baffled by the other e-mails for Everbank and the problems people have experienced. I have three accounts open with Everbank and have no intention in looking for another bank for a very long time.

If you are currently looking for a new bank, look no further than Everbank. I am sure you will be pleased.

I were new in town and stopped by Everbank' location near my house. ...signed a bunch of paper work to open my personal checking account with few thousands deposit at first... And get what? few months later I received a letter from Everbank that they close my account and did not tell me the reason .... My guess is that they just want to deal with someone that have over million dollar deposit in the bank... Why don't they tell me from the beginning? So that, I don't have to waste my time in their office...unreasonable bank I ever see in my life...

I have not had any issues with EverBank. Excellent customer service, great online banking features, overall good bank.

Overall Everbank has been OK meeting expectations for an on-line bank. Setup of the account was a bit time consuming but otherwise fine. I have been disappointed with some fees that recently hit my business account without warning. Calling Everbank and inquiring about the fees I got back a response about minimum balance above $5,000 to avoid fees. I dipped below that in the month and got hit. This is irregardless of the fact that my other accounts are and have carried quite high balances.

My wife, who I encouraged to bank with Everbank, also has a business account with balances consistently below $5,000 and she does not get charged? So either Everbank has variable rules or they're making mistakes. In either case not a good sign for any bank.

The customer service is excellent as is the online experience. Being able to transfer money between currencies is a definite plus that most US banks do not have. The only constructive comment I would like to make is that they more closely integrate their divisions and have a single point of service.