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EverBank vs SoFi checking

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

APY

EverBank: Tiered APY (shown at $2,500 balance)
SoFi: 0.50% APY on checking balances, no minimum

Monthly fee

EverBank: $0
SoFi: $0

Min to open

EverBank: $100
SoFi: $0

Min balance

EverBank: $0
SoFi: $0

ATMs

EverBank: No EverBank ATM fees; up to $15/month of other U.S. ATM fees reimbursed
SoFi: 55,000+ fee-free Allpoint ATMs

Overdraft

EverBank: Overdraft transfer fee $0; overdraft item fee not found
SoFi: No overdraft fees; coverage up to $50 with $1,000+ monthly direct deposit

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

More rates

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

FAQ

Which pays more interest on checking, EverBank or SoFi?

SoFi 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.