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Ally vs EverBank checking

Ally and EverBank checking side by side: fees, minimums, interest, ATMs and overdraft.

APY

Ally: 0.10% APY under $15,000; 0.25% APY at $15,000 or more (APY field shows the top tier)
EverBank: Tiered APY (shown at $2,500 balance)

Monthly fee

Ally: $0
EverBank: $0

Min to open

Ally: $0
EverBank: $100

Min balance

Ally: $0
EverBank: $0

ATMs

Ally: 75,000+ no-fee Allpoint/MoneyPass ATMs; up to $10 per statement cycle reimbursed for other ATMs
EverBank: No EverBank ATM fees; up to $15/month of other U.S. ATM fees reimbursed

Overdraft

Ally: No overdraft fees (CoverDraft and Overdraft Transfer Service)
EverBank: Overdraft transfer fee $0; overdraft item fee not found

Sources: Ally, EverBank (2026-10-12).

More rates

• CD rates
• Money market rates
• Checking accounts
• Savings rates
• Savings Index & rate history
• Am I overpaying?

FAQ

Which pays more interest on checking, Ally or EverBank?

They state the same (or no) APY as of 2026-10-12.

Where do these rates come from?

Each rate is read from the bank's own public page on the date shown and linked. Rates change often: confirm on the bank's site before opening. Not financial advice.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.