Alternatives to Capital One: 12 Best Online Banks in 2024

3. EverBank Financial Corporation

Insider Monkey Score: 5.09

EverBank offers a 0.40% APY on its checking account and a 5.05% APY on its savings account without any maintenance fees. In addition, users can also attain a 4.80% APY using a one-year CD that only requires a minimum deposit of $1000. EverBank is one of the best online banks with Zelle, which can be linked to its checking account, thus allowing users to send and receive money swiftly.