Home › Checking › Capital One 360 vs EverBank

Capital One 360 vs EverBank checking

Capital One 360 and EverBank checking side by side: fees, minimums, interest, ATMs and overdraft.

APY

Capital One 360: 0.10% APY on all balance tiers
EverBank: Tiered APY (shown at $2,500 balance)

Monthly fee

Capital One 360: $0
EverBank: $0

Min to open

Capital One 360: $0
EverBank: $100

Min balance

Capital One 360: $0
EverBank: $0

ATMs

Capital One 360: 70,000+ fee-free Capital One, MoneyPass and Allpoint ATMs; out-of-network owners may charge
EverBank: No EverBank ATM fees; up to $15/month of other U.S. ATM fees reimbursed

Overdraft

Capital One 360: No overdraft fees (no-fee overdraft option)
EverBank: Overdraft transfer fee $0; overdraft item fee not found

Sources: Capital One 360, 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, Capital One 360 or EverBank?

EverBank 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.