Everbank has some of the highest yields out of all credit unions, online banks, and big banks.  You will find that they not only offer the best offers on high APY’s but they also have a $50 satisfaction guarantee if you are not satisfied with your Everbank account and decide to cancel.  The online interface of the Everbank account is also nice but sometimes hard to log-in if you forget your security phrases.  I normally cannot at least one of those security words and they are hard to keep up with for many log-ins.

While Everbank  offers many benefits that other banks do not there is one thing that really sticks out with home and mobile banking becoming such a huge thing.  This would be home banking via a scanner.  You could scan a check and send it into Everbank to make a deposit.  This beats traveling up to the bank and making that wait in the drive-thru or having to mail in your deposits.  Most Everbank customers have to mail in their deposits and that sometimes just does not feel safe.  Being able to scan the check and make an instant deposit with an emailed receipt of verification is absolute gratification.

Right now not all customers of Everbank are open to this process so you may have to be patient until they approve you.  Just like E*Trade only has certain deposit customers qualified for at home deposits they are very picky who they are letting in.  USAA is only allowing military or related into theirs.

Today I made my first deposit via my scanner.  They require you to log into another site everbankonlinedeposit.com where you have to come up with three more security questions.  After you set up this deposit log in you can put in your amount and notation and scan the check.  You must have your java

The java app pulls up and works just perfectly.  You scan the first check then turn it around and write “for deposit only” with your signature and scan the other side.  It then shows both images you scanned, you hit next and you have it deposited after your confirmation email.

This was easy and saved me so much time from driving around town to get to the bank.  I just hope that Everbank lets us do the iPhone scanning soon so we can scan faster than the big printer scanners most of us have at home or in small businesses.  They set this up for my personal account so I am not sure if they allow it for business accounts yet.