EverBank

EverBank Performance Savings can be opened online or by phone without a minimum deposit. It has no monthly maintenance fee and accepts mobile check deposits without a deposit fee. The advertised new-account interest rate is variable and may differ from an existing customer’s rate.

Funding options include an external bank transfer, mobile check deposit, direct deposit, a mailed check or a wire. The savings page lists mobile deposits up to $50,000 per day. Checking and money market customers have account-specific ATM access, so choose one of those products if cash withdrawals are part of your everyday routine.

From application to online banking

Select your accounts and ownership type, enter personal information, review the disclosures and choose how to fund the account. The final application screen shows whether it is open or needs further information. You can register for online banking immediately after opening without re-entering your details. For a joint account, apply together or invite the second applicant to complete their portion later.

Adult applicants must live in the United States, have a physical U.S. street address and hold a valid Social Security or taxpayer identification number. EverBank may request identification or proof of address after submission. Its financial centers are in Florida, California and New York; Performance Savings itself is offered for opening online or by phone.