This account is only available in select states. What state do you live in?
Select a State New Jersey New York * Required
We'll pre-fill part of the application for a faster experience. Once enrolled, return to applebank.com to complete the application process.
Choose if you prefer to open both a Simple Savings and Simple Checking Account together or only a Simple Savings Account in order to take advantage of the Simple Banking Program.
*Annual Percentage Yields (APYs) disclosed are effective as of May 1, 2025 and may be changed by the Bank at any time, including after account opening. Interest is earned on daily balances of $1.00 or more at the following tiers: $1.00 - $49,999.99: 2.95% interest rate and 3.00% APY, $50,000.00 - $249,999.99: 3.19% interest rate and 3.25% APY, $250,000.00 - $999,999.99: 3.19% interest rate and 3.25% APY, $1,000,000.00 or more: 3.19% interest rate and 3.25% APY. There is a $10.00 minimum deposit required to open this account. Not available for retirement accounts.
For the Simple Checking account, interest is earned on daily balances of $1.00 or more at 1.00% interest rate and 1.01% APY. There is a $10.00 minimum to open this account. **There are no fees when using non-Apple Bank domestic and international ATMs, and Apple Bank will reimburse all surcharges imposed by the ATM owner/operator during each statement cycle period.
***When you open a Simple Checking and Simple Savings account, you'll be enrolled in the Simple Banking Program. As part of this program, for each month that you make any combination of five qualifying debit or credit transactions of $25 or more per month from your Apple Bank Simple Checking Account, you’ll earn a preferred interest rate that is 0.50 higher than the current interest rate in effect for the Apple Bank Simple Savings Account.
Choose if you prefer to open both a Simple Checking and Simple Savings account or only a Simple Checking account in order to take advantage of the Simple Banking Program.
*Annual Percentage Yield (APY) disclosed is effective as of May 1, 2025 and may be changed by the Bank at any time, including after account opening. Interest is earned on daily balances of $1.00 or more at 1.00% interest rate and 1.01% APY. There is a $10.00 minimum to open this account. For the Simple Savings account, interest is earned on daily balances of $1.00 or more at the following tiers: $1.00 - $49,999.99: 2.95% interest rate and 3.00% APY, 50,000.00 - $249,999.99: 3.19% interest rate and 3.25% APY, $250,000.00 - $999,999.99: 3.19% interest rate and 3.25% APY, $1,000,000.00 or more: 3.19% interest rate and 3.25% APY. There is a $10.00 minimum to open this account. Not available for retirement accounts. **There are no fees when using non-Apple Bank domestic and international ATMs, and Apple Bank will reimburse all surcharges imposed by the ATM owner/operator during each statement cycle period. ***When you open a Simple Checking and Simple Savings account, you'll be enrolled in the Simple Banking Program. As part of this program, for each month that you make any combination of five qualifying debit or credit transactions of $25 or more per month from your Apple Bank Simple Checking Account, you’ll earn a preferred interest rate that is 0.50 higher than the current interest rate in effect for the Apple Bank Simple Savings Account.
Choose if you prefer to open both a simple checking and simple savings account or only a simple checking account.
*Annual Percentage Yield (APY) disclosed is effective as of August 16, 2023 and may be changed by the Bank at any time, including after account opening. $10.00 minimum deposit required to open account. Offer may be withdrawn at any time without prior notice. Fees may reduce earnings.
**When you open a simple checking and simple savings account, you'll be enrolled in the simple banking program and earn an additional 0.25% on top of the current posed interest rate on your savings account balance.
**When you open a Simple Checking and Simple Savings account, you'll be enrolled in the Simple Banking Program. As part of this program, for each month that you make any combination of five qualifying debit or credit transactions of $25 or more per month from your Apple Bank Simple Checking Account, you’ll earn a preferred interest rate that is 0.50 higher than the current interest rate in effect for the Apple Bank Simple Savings Account.
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Are you targeting a multi-family, office, or retail property to add to your real estate portfolio? Apple Bank is a conservative but active lender for its own portfolio. We can structure a deal to fit almost any borrower’s needs for completed, cash-flowing, multi-tenant assets. We offer some of the most competitive pricing in the New York marketplace for low leverage transactions and are well known for our reliability and ease of execution. Apple Bank does not lead construction loans, but we will consider participations with strong lead banks to meet your needs.
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Terms noted above are general parameters and may change from time to time. Terms will vary depending upon the merits of each individual transaction.
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