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American Express vs EverBank checking

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

APY

American Express: 1.00% APY, no minimum balance to earn
EverBank: Tiered APY (shown at $2,500 balance)

Monthly fee

American Express: $0
EverBank: $0

Min to open

American Express: $0
EverBank: $100

Min balance

American Express: $0
EverBank: $0

ATMs

American Express: No fee at Allpoint and MoneyPass ATMs in the U.S.
EverBank: No EverBank ATM fees; up to $15/month of other U.S. ATM fees reimbursed

Overdraft

American Express: not found
EverBank: Overdraft transfer fee $0; overdraft item fee not found

Sources: American Express, 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, American Express or EverBank?

American Express has the higher stated top-tier 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.