EverBank came into being in Jacksonville, Florida many years ago and has proven its expertise in the financial arena. Many award winning financial products and a variety of services have been brought into the market, and this along with the experience of the executive team who share a vision of being innovative and aim at delivering exceptional service, was central to the tremendous growth of EverBank. The Bankrate.com ‘Top Tier’ Award for the best bank rates has consistently gone to the well-deserving EverBank.

EverBank’s business and personal deposit accounts such as the FreeNet checking account, interest-bearing checking account, certificates of deposit and money market accounts allow for high yields. The FreeNet checking account earns a yield that is sure to be among the top 5% of other banks. Online banking is offered for paying the bills, with no fees when a minimum balance is maintained. Unlimited check facility is also given, all free of charge. An interest checking account offers a great competitive rate as mentioned above. In addition to the facilities offered for the FreeNet checking account, there are also no ATM surcharge fees along with a reimbursement of up to $6/month ATM fees that are charged by the other financial institutions. Overdraft protection is also provided based on credit approval.

EverBank’s Certificates of Deposit are a perfect way to save money and earn a great yield on that money, which is the best in the market at any point. This bank provides the best CD rates and a wide range of maturities. The Insured Advantage CD is the best option if one is looking for FDIC insurance on deposits as huge as $50 million. The term can be anywhere from 3 and 6 months to 1 and 5 years. The opening deposit as is expected is slightly higher at $10000. For those that have huge financial resources, these CDs are a very viable option with the best CD rates and high level of security. The MarketSafe CD is for people that are only looking for security on their deposit along with potential gains from investment indexes. In this, the principal deposited is protected hundred percent and there is also the potential for upside markets. They can be opened for $1500 and are FDIC insured.

For those that are not too keen on the traditional CDs and do not mind being aggressive with their investments and willing to take risks, there are other exciting products that are linked to investment indexes that help diversify the portfolio with foreign currencies. With the World Currency CD, money can be earned with the appreciation of the currency versus the US dollar. But then, money can also be lost if the dollar appreciates. This CD comes with locked in interest that is paid at maturity. The terms are 3, 6, and 12 months depending on whether it is single currency or Index CD. This is also FDIC insured. EverBank Yield Pledge Money Market Account earns a yield that is pledged to remain within the top 5% of other top banks. Their money market accounts serve a lot of financial needs of people that look to save their cash for the future and also to the investor who is willing to take the necessary risk to earn a higher yield. All of them are FDIC insured. The Yield Pledge Money Market Account keeps the money liquid and earn the best money market rate. This calls for an initial deposit of $1500 along with free check writing facility. Minimum balance needs to be maintained. The World Currency Access Deposit Account has risk potential and the minimum deposit is $2500. This provides the facility of easy transfer between global markets. There is a potential for capital gains, which can be huge.

Apart from the above, there are several credit and lending solutions to help the customer in need, including mortgages, home equity solutions, and Visa and Platinum cards. Fixed rate mortgages are where a monthly rate can be paid and there will be no change during the life of the mortgage. An adjustable rate mortgage is the option if one is looking for a lower initial monthly payment and rate that is better suited for the needs.

EverBank’s home equity solutions offer the best way to find a perfect revenue source with rates that are much lower than interest on credit cards. These can be useful for renovation of home, consolidation of debt, making a purchase or paying for college. The interest payments can also be tax deductible. The loan can be anywhere between $10000 to $500000 with the term from ten to thirty years.

The EverCard Visa Platinum credit card is exclusive to the bank’s customers and has a credit line of up to $50000. It carries no annual fee and has competitive rates. They also offer a rewards program with unrestricted travel options, and that for sure is irresistible. There is an automatic payment option for the checking account. Cash advances are also available. Another great deal is the travel accident insurance that comes with any travel ticket purchase using the EverCard.

All the above products are also available for business with minor changes but all the facilities. With EverBank, the possibilities are limitless and it is easier than ever to manage money while building it. The high yield pledge shows the determination to succeed in providing the customer the best possible banking experience, one that is sure to bring a smile to a customer’s face.