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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.
1There 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. 2Annual Percentage Yields (APYs) disclosed are effective as of July 8, 2025 for the Simple Checking account 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. A $10.00 minimum deposit is required to open the Simple Checking account. You must maintain a minimum daily balance of $1.00 in your account each day to earn the stated APY. There is no minimum daily balance requirement to maintain the account and no monthly maintenance fee regardless of account balance. Annual Percentage Yield (APYs) disclosed are effective as of July 8, 2025 for Simple Savings account 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: 3.56% interest rate and 3.63% APY; $250,000.00 - $999,999.99: 3.56% interest rate and 3.63% APY; $1,000,000.00 or more: 3.56% interest rate and 3.63% APY. Rates do not reflect the Simple Banking Program preferred interest rates and APYs. A $10.00 minimum deposit is required to open the Simple Savings account. You must maintain a minimum daily balance of $1.00 in your account each day to earn the stated APY. There is no minimum daily balance requirement to maintain the account or monthly maintenance fee. Not available for retirement accounts. 3When 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.
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 July 8, 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.
*Annual Percentage Yields (APYs) disclosed are effective as of July 8, 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.
**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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Apple Bank is a Gold Partner in the IOLA Fund Program and offers IOLA accounts that help you meet your obligations as a practicing attorney. Funds in this account grow at a competitive rate and we disburse interest directly to the New York IOLA Fund on your behalf. You'll receive detailed reports to help you easily track and monitor your clients' accounts. The New York State IOLA program facilitates New York law, which requires attorneys to deposit certain "qualified funds" received from a client or beneficial owner in an interest-bearing IOLA account. The interest paid on IOLA accounts is pooled and provides financial support for civil legal aid to the poor and to make improvements to the justice system through grants made by the New York IOLA Fund to non-profit civil legal services providers across the state. IOLAs also help law firms control administration costs on qualified individual accounts and limit fees on accounts with nominal deposits.
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