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EverTrust Bank Review

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EverTrust Bank Savings
0.25% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


EverTrust Bank was founded in 1995 with its headquarters in Pasadena, California. It has assets of $844 million as well as $608 million in deposits, which makes it a medium-size bank. EverTrust Bank lacks premium access to customer service, with no live chat or all-day service options available. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. With a score of 4.2 stars out of 5, EverTrust Bank should be solidly in contention for your choice of bank. EverTrust Bank has a variety of banking products, which include savings accounts, checking accounts, money market accounts, mortgage products and credit cards. EverTrust Bank has a fair savings rate compared to the average savings account. If you're interested in stress-free personal checking, EverTrust Bank's ordinary checking account does not have a monthly fee. Using an institution with no-fee checking as well as a high savings APY is your best bet for returning the most income from your deposits while having convenient access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

EverTrust Bank features a savings rate of 0.25%, which is fair in comparison to the average U.S. bank. Its one-year and five-year term lengths CDs earn at a rate of 1.80% and 2.15%, respectively, while its highest-yielding money market account earns at an APY of 0.40%. Given EverTrust Bank's noncompetitive savings rate, you should think about opting for higher earning savings accounts with other banks.

How EverTrust Bank's Savings Rates Compare

EverTrust Bank Savings 0.25 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

On average, EverTrust Bank charges customers extremely low fees compared to the national average. Its checking account has no monthly fee, making it excellent for anyone looking for a hassle-free account. EverTrust Bank unfortunately does not refund out-of-network ATM fees, which means you will have to search for an EverTrust Bank ATM or eat the cost of withdrawal.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

EverTrust Bank is a brick-and-mortar bank, with eight total bank locations in California. With mobile and web apps, EverTrust Bank makes account access easy, even on the go. It does not offer all-day customer service with actual service representatives. You can get help during its customer service hours, which are Monday through Friday and 9:00 a.m. to 5:30 p.m. PT. EverTrust Bank's mobile app lets you manage your funds by monitoring account balances, transferring money and reaching support representatives. EverTrust Bank gets an exceptional consumer satisfaction rating based on comparatively few consumer complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating NR
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

EverTrust Bank is currently a medium-size bank and has assets totaling $844 million as well as $608 million in deposits. EverTrust Bank's Texas Ratio is 0.27%, signifying a low chance of failure. Additionally, EverTrust Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare EverTrust Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.25% APY $300
Checking Account 0.1% APY $1000
Certificates of Deposit
  • 12 Month: 1.80% APY
  • 24 Month: 2.15% APY
  • 36 Month: 2.15% APY
  • 48 Month: 2.15% APY
  • 60 Month: 2.15% APY
$3000 for all terms
Money Market Account 0.35% APY $1000

EverTrust Bank offers several deposit products like savings accounts, checking accounts and money market accounts to give you many options to manage your money. EverTrust Bank does not have the best savings rate, which means you should think about looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. EverTrust Bank's CD rates are fair compared to other U.S. banks.

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Find a EverTrust Bank Near Me

EverTrust Bank has eight physical branches across the U.S.

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