Checking that fits how you actually bank
Three accounts, one debit card you control, and no surprise fees. Get paid early, freeze your card in a tap and skip the monthly fee with direct deposit.
- $0Monthly fee with direct deposit
- 2 daysEarlier direct deposit
- 18,000Fee-free ATMs
Built-in tools, not add-ons
Everything below is included with every Evermont checking account.
Early direct deposit
We post eligible paychecks as soon as your employer sends the file — typically up to two days early.
Card controls
Freeze the card, block international purchases or set a monthly limit from the dashboard.
Overdraft grace
A $50 cushion with a full business day to bring the balance back up before any fee applies.
Real-time alerts
Know about every deposit, purchase and low-balance moment the second it happens.
Compare checking accounts
Pick the account that matches your balance and habits. Rates and fees current as of September 8, 2026.
| Feature | Everyday Checking | Premium Checking | Student Checking |
|---|---|---|---|
| Monthly service fee | $0 with direct deposit | $0 with $25,000 balance | $0 while enrolled |
| Minimum opening deposit | $25 | $100 | $0 |
| ATM access | 18,000 fee-free | Unlimited + rebates | 18,000 fee-free |
| Mobile deposit | Included | Included | Included |
| Bill pay | Included | Included | Included |
| Custom alerts | Included | Included | Included |
| Overdraft tools | $50 grace | $100 grace | Declines instead of fees |
| Relationship rate boost | — | +0.15% APY on savings | — |
Everyday Checking
- Monthly service fee$0 with direct deposit
- Minimum opening deposit$25
- ATM access18,000 fee-free
- Mobile depositIncluded
- Bill payIncluded
- Custom alertsIncluded
- Overdraft tools$50 grace
- Relationship rate boost—
Premium Checking
- Monthly service fee$0 with $25,000 balance
- Minimum opening deposit$100
- ATM accessUnlimited + rebates
- Mobile depositIncluded
- Bill payIncluded
- Custom alertsIncluded
- Overdraft tools$100 grace
- Relationship rate boost+0.15% APY on savings
Student Checking
- Monthly service fee$0 while enrolled
- Minimum opening deposit$0
- ATM access18,000 fee-free
- Mobile depositIncluded
- Bill payIncluded
- Custom alertsIncluded
- Overdraft toolsDeclines instead of fees
- Relationship rate boost—
*Monthly fee waived with $500 or more in qualifying direct deposits per statement cycle; otherwise $6 per month.
Frequently asked questions
How long does it take to open an account?
About five minutes. You verify your identity, make an opening deposit and your debit card arrives in 5–7 business days.
Can I switch my direct deposit?
Yes — the dashboard generates a prefilled form with your routing and account numbers to hand to your employer.
What happens if I overdraw?
Everyday Checking includes a $50 grace amount and a full business day to restore a positive balance before any fee applies.
Are there fees for using another bank’s ATM?
Evermont does not charge a fee at the 18,000 ATMs in our network. Out-of-network owners may charge their own surcharge.
Talk to someone
Book 30 minutes with a Evermont banker — in branch, by phone or over video.
Not sure which account?
Answer three questions and we will point you to the closest fit.
Ready to open your account?
Apply in about five minutes, or sit down with a banker who can walk you through the options.