EverBank will pay you to switch banks

Closeup of check

Want to earn some bucks for changing banks? Without paying fees in the process for allowing a bank to hold your money?

EverBank will pay you $60 if you open a new Yield Pledge Checking account before Nov. 30.

That's as much as Bank of America says it will charge customers per year if they use their debit cards for purchases.

Coincidence? Certainly not.

EverBank mentions BofA's new debit fee -- although it doesn't name the bank -- in its advertsing.

EverBank, an online bank based in Jacksonville, Fla., charges no debit card fee, no monthly account fee and offers free online banking and check deposit.

You'll also get a book with 25 paper checks when you open the checking account.

To earn the $60, you must:

* Make a minimum deposit of $1,500 before Nov. 30.
* Have one direct deposit of at least $500 into the account by Jan. 31, 2012.
* Maintain an average daily balance of at least $1,500 in December and January.
* Keep the account open until Feb. 29, 2012.

Now, you’re not going to earn a ton of interest with this account: EverBank pays tiered interest rates from 0.46% to 0.76% APY based on your balance, but it’s more than most banks are offering.

A few other aspects about this account to note: EverBank doesn’t charge ATM fees, and you'll be reimbursed any fees for using an out of network ATM if you keep a daily balance of $5,000 each month.

Also, if you keep less than $5,000 in that account, you’ll be charged $8.95 a month for online bill pay services.

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