$300for new checking customers
Evermont Total Checking®
Open a new account with qualifying direct deposits within 90 days. No minimums, no monthly fees.
4.15% APY on High-Yield Savings
Banking that stays out of your way.
Checking, savings, cards and loans with no monthly fees to chase and people to talk to when you need them.
- 1,900+Branches nationwide
- 18,000Fee-free ATMs
- 24/7Fraud monitoring
5%cash back in rotating categories
Evermont Freedom card
$0 annual fee, 1.5% back on everything else, and a $200 bonus after your first $500 in purchases.
4.15%APY on High-Yield Savings
High-Yield Savings
Earn 9× the national average with no minimum balance and free same-day transfers.
Banking for every stage
PersonalEveryday money, handledChecking, savings, cards and the app that ties it all together.Explore personal
BusinessBuilt for your businessBusiness checking, payments and treasury tools that scale with you.Explore business
WealthPlan the long gameAdvisors, retirement accounts and self-directed investing in one place.Explore wealthCurrent offers
$300New checking customers
Everyday Checking bonus
Open an account and set up a qualifying direct deposit within 90 days to earn the bonus.
Requires $500 in qualifying direct deposits within 90 days of account opening. Bonus is reported as interest income.
4.15%Annual percentage yield
High-Yield Savings
No monthly service fee, no minimum to open, and interest compounded daily.
APY accurate as of September 8, 2026. Rate is variable and may change after account opening. Fees may reduce earnings.
60,000Bonus points
Evermont Voyager Card
Earn 3x points on travel and dining, with a $0 introductory annual fee for the first year.
Spend $4,000 in 3 months. APR 19.24%–27.99% variable.
Today's rates
As of September 29, 2026 · Rates may vary by state and credit profile.
- 4.15APYHigh-Yield SavingsNo minimum balance
- 4.60APY12-month CD$1,000 minimum deposit
- 6.25APR30-year fixed mortgage0.5 points · estimated
- 5.49APRAuto loanFrom, with autopay discount
Buy your first home with someone in your corner.
Prequalify in minutes with no impact to your credit, and get a dedicated loan officer from offer to closing.
Evermont Score · Free
Know your credit score. It's free for everyone.
Weekly updates, score alerts and personalized tips — no Evermont account required, and checking never hurts your score.
742Very good
Checking
A checking account that stays out of your way
Fee-free overdraft grace, early direct deposit and a debit card you can freeze in one tap.
- No monthly fee with $500 in direct deposits
- Get paid up to two days early
- Overdraft grace up to $50
Monthly fee
$0
With qualifying direct deposit, otherwise $6/month.
- Minimum to open$25
- ATM network18,000
- Mobile depositIncluded
Savings & CDs
Put your cash to work at 4.15% APY
Split savings into goals, automate contributions and lock a rate with a CD ladder.
- No monthly fee, no minimum balance
- Automatic transfers on your payday
- CD terms from 3 to 60 months
12-month CD
4.30%
APY with a $1,000 minimum deposit.
- 6-month CD4.15%
- 24-month CD3.95%
- 60-month CD3.75%
Credit cards
Rewards that match how you actually spend
Compare all seven cards side by side and see the trade-offs before you apply.
- 3x points on travel and dining
- Flat 2% cash back option
- 0% intro APR for 15 months on balance transfers
Welcome offer
60,000
Points after $4,000 of spend in 3 months.
- Annual fee$0 first year
- Point value1.5¢
- Foreign feesNone
Home lending
Financing for the home you are aiming at
Run the numbers with our calculator, then talk to a lending advisor when you are ready.
- Fixed and adjustable rate options
- Down payments from 3%
- Home equity lines up to 85% CLTV
30-year fixed
6.71%
APR on a $400,000 loan with 20% down, as of September 3, 2026.
- 15-year fixed5.95%
- 7/6 ARM6.35%
- Home equity7.95%
Your bank, in your pocket.
Deposit checks, freeze cards, pay bills and track goals from the Evermont app.
- Freeze and unfreeze any card instantly
- Passkeys and two-factor authentication
- Alerts for every card and transfer
- $0 liability on unauthorized transactions
What members say
Switched after 12 years at my old bank. Opening the account took eight minutes and the app does everything my branch used to.
Danielle R.Member since 2023The savings buckets and automatic transfers quietly built our emergency fund. First bank that actually helped me save.
Marcus T.Member since 2021Card got skimmed on vacation — froze it in the app, had a new number instantly, and a human on the phone in two minutes.
Priya S.Member since 2024Plan with free tools
Calculators that run in your browser. Nothing is sent anywhere.
Questions, answered.
Everything you need to know before opening an account. Still unsure? Ask a banker.
Visit customer service
Is Evermont a real bank? Is my money insured?
Yes. Eligible deposits protected by the FSCS up to £85,000 per person, and we operate under the same regulations as any other bank.
Are there monthly fees or minimums?
No monthly maintenance fees, no minimum balance, and no overdraft fees on checking. Some products, like wire transfers, carry standard per-use fees — always shown before you confirm.
How long does opening an account take?
About eight minutes online. You will need a government ID, your Social Security number, and a way to fund the account. Most accounts are usable immediately.
Can I deposit cash and use ATMs?
Yes — deposits and free withdrawals at 55,000+ Allpoint ATMs nationwide, plus cash deposit at partner retailers. Out-of-network ATM fees are reimbursed up to $15 a month.
How do I switch from my current bank?
Our switch kit moves your direct deposit and recurring payments for you. Most members are fully switched within two weeks while both accounts stay open.
Talk it through with a banker.
In a branch, by phone or on video. No cost and no obligation.
- Eligible deposits protected by the FSCS up to £85,000 per person
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority
- 256-bit encryption
- 24/7 fraud monitoring
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority · VISA · Mastercard · Zelle® · Allpoint · Plaid