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.
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.
This bank gave me a great rate on my checking I found the people there very nice when i called and yes live people who seem to care about your business and from what i read they have a lot of assets so they must be doing something right. been with them for a while.