Apple Choice Banking® Program
Grow your money confidently
Earn up to 3.55% APY1 on a Choice Money Market Account with the Apple Choice Banking Program2 and 2.00% APY1 on a Choice Checking Account.
Spend time exploring the sights, not searching for a free ATM. Benefit from unlimited reimbursement of ATM operator surcharges at home or when traveling.
Get waived monthly maintenance fees on your Choice Checking Account by maintaining a minimum daily balance of $2,500 or receiving a monthly ACH deposit or enrolling in paperless statements.
Benefits for the banking you do every day.
From shopping with your debit card to paying bills or paying back friends—your routine banking activities can add up to maximizing your savings.
- Set up direct deposit of your paycheck or other payments you receive—no need to make a trip to the bank.
- Use mobile check deposit to deposit paper checks from your office or your kitchen—just take a photo using your mobile device.4
- Make debit card purchases and/or setup your monthly payments with your Apple Bank Visa®5 Debit Card—enjoy zero liability for unauthorized transactions.6
- Pay bills online by making one-time or recurring payments for the amount you want, on the day you want and as often as you want.
- Send and receive money with Zelle® to pay or get money from people or businesses you know and trust in as little as a few minutes.7
Choose to earn more interest.
Earn up to 5x more interest than the National Average on your Choice Money Market account.8
Earn up to 28x more interest than the National Average on your Choice Checking account.9
National Average APY information as of September 21, 2026, according to the FDIC National Rates and Rate Caps.
Choose a bank that puts you first.
For over 160 years, Apple Bank has been putting our customers first.
We are committed to helping you and our communities thrive by providing personalized service and value-added solutions that support you at every stage of your financial journey. With sophisticated digital banking tools at your fingertips, 75+ branches across New York & New Jersey, local call centers and free ATMs worldwide3, you can count on us to be there for you whenever you need us and wherever life takes you.
Get started with the Apple Choice Banking® Program2 today
Meet with an Apple Bank Banker
Visit your local branch to open your Choice Checking and Choice Money Market Accounts. We look forward to meeting you and assisting you on your financial journey.
Have questions?
Call: (914) 902-2775 | TDD: (800) 824-0710
Start making qualifying transactions
Fund your Choice Money Market and Choice Checking Accounts. Maintain a minimum daily balance of $2,500 in your Choice Money Market and make the qualifying credit/debit transactions1 to earn the preferred interest rate.
1 Annual Percentage Yields (APYs) disclosed are effective as of October 26, 2026 for the Choice Checking account and may be changed by the Bank at any time, including after account opening. Interest is earned on daily balances of $2,500.00 or more at 1.98% interest rate and 2.00% APY. A $100.00 minimum deposit is required to open the account. You must maintain a minimum daily balance of $2,500.00 in your account each day to earn the stated APY. A minimum daily balance of $2,500.00 or any monthly ACH Deposit, or enrollment in paperless statements for the Choice Checking account is required to avoid a $10.00 monthly maintenance fee. Fees may reduce earnings.
Annual Percentage Yields (APYs) disclosed are effective as of October 26, 2026 for the Choice Money Market account may be changed by the Bank at any time, including after account opening. Interest is earned on daily balances of $2,500.00 or more at the following tiers: $2,500.00-$49,999.99: 2.98% interest rate and 3.03% APY; $50,000.00 or more: 2.98% interest rate and 3.03% APY. Rates do not reflect the Apple Choice Banking® Program preferred interest rates and APYs. A $100.00 minimum deposit is required to open the Choice Money Market account. You must maintain a minimum daily balance of $2,500.00 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.
2To be enrolled in the Apple Choice Banking Program, you must be the primary owner of an Apple Bank Choice Checking account. If you have more than one Choice Checking Account or Choice Money Market account eligible to receive the stated benefit for a tier, then each account will receive that benefit. To qualify for the Elite tier benefits, you must also have one or more Apple Bank Choice Money Market accounts.
| Apple Choice Banking® Program | |
|---|---|
| Premier Tier | Elite Tier |
| You are the primary owner of an Apple Bank Choice Checking account; AND | |
Requirements:
|
Requirements:
|
| Benefit: Your monthly maintenance fee is waived for the month | Benefit: You earn a preferred rate of one-half of one percent (0.50%) above the standard interest rate on your Choice Money Market account for the month following the evaluation period. |
Note: If you have more than one Apple Bank Choice Checking account, your five Qualifying Credit or Debit Transactions do not need to be conducted from the same account; all qualifying transactions across your accounts will apply toward meeting the Elite tier requirements.
The preferred rate becomes effective the day following the monthly evaluation date and remains in effect until the next evaluation date.
If you do not meet the qualification requirements during the monthly evaluation period, you will earn the standard rate for the Choice Money Market Account in effect on the day after the evaluation date. The Apple Choice Banking Program allows for one (1) or more Choice Checking accounts that may be linked to multiple Choice Money Market accounts for the purposes of receiving the preferred rate where qualifying criteria are met monthly.
Qualifying Electronic Deposit
A qualifying Electronic Deposit, for purposes of qualifying for the Premier tier benefits of this Program, means an electronic direct deposit of any dollar amount to your Choice Checking account via ACH (automated clearing house) , or a transfer system that sends electronic payments in real time. This includes state or federal benefits and direct deposit of pay checks. Deposits by any other means (e.g., Mobile Remote Deposit Captured (mRDC), or a transfer from an account at another financial institution (including Person-to-Person transfers (P2P), such as Zelle, ATM and/or in-person branch deposits or transfers between your accounts at Apple Bank) do not qualify as an Qualifying Electronic Deposits for purposes of meeting the eligibility criteria for the Premier tier.
Benefits Evaluation Period
The benefits evaluation period is based on the statement cycle date of your Choice Checking and Choice Money Market accounts (currently last day of the month) and starts three (3) business days before the statement cycle date and ends three (3) business days before the next statement cycle date. During this period, the Bank reviews the transactions on your Choice Checking account and the balances in both your Choice Checking and Choice Money Market accounts to determine your eligibility for any applicable tier benefits.
Qualifying Transactions
A qualifying transaction for purposes of receiving the Elite tier benefits of this Program means a credit or debit of $25 or more in your Choice Checking account from: an electronic transaction such as direct deposit, bill payments, or automatic payments made through ACH (automated clearing house) or a transfer system that sends electronic payments in real time; a transfer to or from an account at another financial institution; Person-to-Person payments (P2P), such as Zelle®; or a purchase using your Apple Bank Visa® Debit Card. Credit or Debit transactions by any other means (e.g., deposits or withdrawals at an ATM and/or in-person at a branch or transfers between your accounts at Apple Bank) do not qualify as a transaction for purposes of meeting the eligibility criteria for the Elite tier.
3 There are no fees when using non-Apple Bank ATMs, and Apple Bank will reimburse all surcharges imposed by the ATM owner/operator during each statement cycle period.
4 Mobile check deposits are subject to verification and to Apple Bank’s rules governing funds availability. For Apple Bank’s funds availability schedule, see the About Your Apple Bank Accounts Rules and Regulations, “Funds Availability”.
5 Visa is a registered trademark of Visa International Service Association and is used by the issuer pursuant to license from Visa U.S.A Inc
6 U.S. issued cards only. Visa’s Zero Liability policy does not apply to ATM transactions or PIN transactions not processed by Visa. See your Cardholder Agreement for details.
7 U.S. checking or savings account required to use Zelle®. Transactions between enrolled customers typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
8National Average is based on the APY average for money market accounts with a minimum balance of at least $10,000.00 as reflected in the FDIC’s published National Rates and Rate Caps for money market deposit products, accurate as of September 21, 2026. See the FDIC website for more information.
9 National Average is based on the APY averages for savings and interest-bearing checking accounts with a minimum balance of at least $2,500.00 as reflected in the FDIC’s published National Rates and Rate Caps for savings deposit products, accurate as of September 21, 2026. See the FDIC website for more information.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.