The Apple Edge Program

A Free Banking Benefits Program for Employees of Businesses…

Since 1863, Apple Bank has sought to serve its personal and business customers with a comprehensive mix of products and services. To continue this tradition, Apple Bank created the Apple Edge Banking Benefits Program. This unique partnership between businesses and Apple Bank provides employees of member companies a comprehensive package of banking benefits they are not likely to get elsewhere. Certain eligibility limitations may apply.

As an Apple Edge customer, you will receive:

An enhancement to your existing benefits package at no additional cost
Help in enrolling employees in direct deposit, saving time and money
Onsite visits for your employees to open accounts, establish direct deposit and answer questions
Participation at any benefits fairs you plan

As an Apple Edge customer, your employees will receive:

Free Apple Edge NOW Checking® Account
$50.00 deposit is made when an employee sets up his or her employee payroll direct deposit into an Apple Edge NOW Checking® Account
Four free ATM withdrawals at non-Apple Bank ATMs during each checking statement period
Free initial order of personalized checks
No fee on purchase of regular American Express Travelers Checks
Preferred rates .25% more on select savings, money markets and certificates of deposits
Discounts and rebates up to $550 on mortgage closing costs
Free one-year rental on select size safe deposit box (subject to availability)

Apple Edge Member Benefits

Free Interest Bearing Checking Account
Apple Edge NOW Checking® features:

No monthly maintenance charges
No per-check fees
No charge for using Apple Bank ATMs
Initial order of personalized check absolutely free
Access to INTERLINK® and PLUS® networks of ATMs, providing you access to your Apple Bank account worldwide
No minimum opening deposit
Variable interest rate– compounded daily, credited monthly

Apple Edge Investment Products

Savings Account

An Apple Bank Statement Savings Account gives you the convenience of a comprehensive monthly statement and easy access to your money 24-hours a day at ATMs worldwide. Apple savings accounts are a safe and easy way to make your money grow. Features and benefits include:

Both Passbook and Statement Savings accounts feature an annual percentage yield that is higher than our conventional savings account
Low minimum opening deposit
FDIC-insured
No monthly maintenance charge if daily balance requirement is met
Variable interest rate is compounded daily and credited quarterly
No Apple ATM service charge
Transaction limitations apply (see applicable Account Disclosures).

Certificates of Deposit Accounts

If you are looking for a way to earn attractive rates on your investment dollars without sacrificing peace of mind, choose an Apple Bank Certificate of Deposit account. Apple Bank CDs will fit almost anyone’s investment objectives. Features and benefits include:

Variety of terms available
Low minimum balance requirement to open an account
Higher, preferred annual percentage yield on select CD terms
No account maintenance charges
CDs are available as passbook accounts as well as statement accounts when linked to any of your Apple Checking, Money Market, or Statement Savings Accounts.

Money Market Account

If you are looking for a savings vehicle with competitive rates, the flexibility of total liquidity and easy access, then an Apple Bank Money Market Account is for you. As an Apple Edge member, you will gain access to many benefits and features of this account, including:

Limited check-writing privileges
A preferred annual percentage yield that is higher than our standard money market annual percentage yield
No monthly maintenance charge if minimum balance requirement is maintained
No Apple ATM Service Charge
Low minimum opening deposit
Transaction limitations apply (see applicable Account Disclosures).

The Apple Edge Personal Loan Products

Apple’s SureCredit®

Apple’s SureCredit® products provide you with an instant, low-cost method of borrowing for personal needs of any kind.

No financial information or credit bureau reports required
No application or annual fees
Utilize your funds on deposit at Apple Bank as collateral for your loan or line of credit
Borrow for your personal needs while still maintaining flexibility as to how you invest your funds
Select any of our Certificate of Deposit Accounts or Savings Accounts as your investment account, and SureCredit® will remain available for any use even if you change the renewal terms of your CD at maturity

There are three innovative ways to put your money to work for you at a low interest rate, while building a credit history for yourself:

SureLoan®: A flexible term, fixed rate installment loan
SureLine®: A fixed rate, overdraft line of credit
SureAccess®: A variable rate, revolving line of credit

The Apple Edge Home Loan Products

Mortgage/Co-Op Loans

Because Apple Bank is aware that everyone’s situation is unique, our mortgage programs are designed to suit your individual needs and take the stress out of buying or refinancing. Some features and benefits included in our lending program are:

Conventional fixed & adjustable rate mortgages and co-op loans
Jumbo mortgages
Special rebates and discounts on closing costs

Home Equity

If you are a homeowner, it is possible that you are sitting on a low cost and potentially tax deductible source of cash. With Apple Bank, the equity in your home gives you a powerful way to provide for financial peace of mind. Use it to buy a new car, pay for college, take a dream vacation or consolidate your debts

Transfer high interest balances from existing home equity loans and credit cards to an Apple Bank Equity Extra Creditline and save
No income verification option available

Apply now for ready access when you need it.

The Apple Edge Special Services

Safe Deposit Boxes

We offer Apple Edge Members a select-size safe deposit box free of charge for one year when they sign up for the Apple Edge program. Boxes are subject to availability at the branch of your choice.

American Express® Travelers Checks

As a member of the Apple Edge Program, you can purchase an unlimited number of standard American Express Travelers Checks for yourself at any Apple Bank branch and never pay a fee.

Online Banking with Bill Payment Service

Take advantage of our online bill payment service, and experience extreme convenience and flexibility. Features and benefits include:

Access your accounts whenever you want to check balances, verify daily activity and transfer funds between accounts and to and from other institutions
Pay bills online from the convenience of you own computer, without ever writing a check
View and print both front and back copies of your checks from your own computer the day after your check clears with online checking imaging

Direct Deposit

The Apple Edge Benefits Program was designed to save you time and money. With Direct Deposit, you will have immediate access to your paycheck. When you sign up for your Apple Edge benefits we will help you easily transfer or set up your direct deposit.

Insurance Products

ABS Associates of New York, Inc., a wholly-owned subsidiary of Apple Bank, can provide you with the protection you need and peace of mind you deserve by providing a variety of term and whole-life insurance products and fixed annuities.

Insurance products are sold through ABS Associates of New York, Inc., a wholly-owned subsidiary of Apple Bank. Products are not FDIC insured, not guaranteed by Apple Bank or any of its affiliates, and may be subject to investment risk. 1395 Northern Boulevard, Manhasset, NY 11030.

Visa® or American Express®

Apple Bank, through FIA Card Services, offers you the flexibility of Visa® or American Express® with no annual fee and a low rate for Apple Edge members. To apply, stop by any one of our branch locations.

For more information about any Apple Edge product, call one of Apple Bank’s customer service representatives or stop into one of our local branches.