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.
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 6x 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 May 18, 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 June 1, 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 June 1, 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.
2 When you have an Apple Bank Choice Checking account, you are automatically enrolled in the Apple Choice Banking Program in the Standard tier. To qualify for the Premier tier, you must be the primary owner of the Apple Bank Choice Checking account and meet at least one of the following requirements during the monthly evaluation period: (i) Maintain a minimum daily balance of at least $2,500.00 in the Choice Checking account for every day of the month; or (ii) receive at least one (1) qualifying ACH deposit (of any dollar amount) during the month in your Choice Checking account; or (iii) enroll in paperless statement for the Choice Checking Account. If you meet any one of these requirements, your Choice Checking Account monthly maintenance fee will be waived for that month.
To qualify for the Elite Tier and receive the preferred rate on the Apple Bank Choice Money Market account, the following additional requirements must all be met: (i) The primary owner of the Choice Checking account must also be the primary or secondary owner of the Choice Money Market account; and (ii) you complete at least five (5) Qualifying Credit and/or Debit transactions of at least $25.00 per transaction in your Choice Checking account during each monthly statement cycle and; (iii) you maintain a minimum balance of $2,500.00 in the Choice Money Market account on the evaluation date you qualify to earn a preferred rate that is one-half of one percent (0.50%) higher than the current interest rate in effect for the Choice Money Market account. 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, the preferred interest rate will be reduced to the current Apple Bank Choice Money Market Account interest rate in effect on the day after evaluation date. The Apple Choice Banking Program allows for one (1) Choice Checking account which may be linked to multiple Choice Money Market accounts for the purposes of receiving the preferred rate where qualifying criteria is met monthly.
Eligibility Requirements
You need an Apple Bank Choice Checking account to be eligible for the Apple Bank Choice Banking Program. To qualify for the Elite tier benefits, you’ll also need one or more Apple Bank Choice Money Market accounts. Your monthly activity in your Apple Bank Choice Checking account determines your tier status.
Benefits Evaluation Period: The benefits evaluation period (“evaluation period”) is determined by the statement cycle date (currently month end) of your Apple Bank Choice Checking account and Apple Bank Choice Money Market account. The Bank will evaluate the transactions conducted on your Apple Bank Choice Checking account and the balances of both your Apple Bank Choice Money Market and Apple Bank Choice Checking accounts to determine if you will receive any of the applicable tier benefits during the evaluation period. The evaluation period begins three (3) business days before your statement cycle date (currently month end) and ends three (3) business days prior to the following statement cycle date.
Standard Tier
Eligibility Criteria: Customers who are the Primary Owner of a Choice Checking account automatically qualify for the Standard Tier.
Tier Benefit: The Standard Tier benefits are those stated in your Choice Checking account Truth in Savings Disclosure provided at account opening and as updated from time to time.
Premier Tier
Eligibility Criteria: To qualify for the Premier Tier, you must be the Primary Owner of the Choice Checking and meet at least one of the following criteria:
Maintain a minimum daily balance of $2,500.00 in the Choice Checking account every day of the month; or
Receive at least one (1) Qualifying ACH Deposit during the month in the Choice Checking account; or
Enroll in Paperless Statements for the Choice Checking account.
Benefit: If you meet the Premier Tier requirements, the $10.00 monthly maintenance fee for your Choice Checking account will be waived for that month.
Elite Tier
Eligibility Criteria: To qualify for the Elite Tier, you must first meet the Premier Tier requirements and meet all the following criteria:
Be the Primary or Secondary Owner of a Choice Money Market account; and
Maintain a minimum balance of $2,500.00 in the Choice Money Market account on the evaluation date; and
Conduct at least five (5) Qualifying Credit or Debit Transactions (minimum $25.00 per transaction) in the Choice Checking account during each monthly statement cycle.
Benefit: Customers who meet the eligibility criteria for the Elite Tier will receive a preferred interest rate on each of their eligible Apple Bank Choice Money Market accounts. The preferred interest rate is a rate that is one-half of one percent (0.50%) higher than the then-current interest rate in effect for the Apple Bank Choice Money Market account. The preferred interest rate will be effective the day after the monthly evaluation period. If you do not meet the monthly transaction requirements, the preferred interest rate will remain at/change to the standard Apple Bank Choice Money Market account interest rate the business day after the evaluation period. You must maintain a minimum daily balance of $2,500.00 in your Apple Bank Choice Money Market account to earn the standard interest rate. You will not earn the stated standard interest rate for any day(s) that your Apple Bank Choice Money Market account(s) balance falls below $2,500.00. If you qualified for the preferred interest rate benefit in the Apple Bank Choice Banking Program, but your Apple Bank Choice Money Market account(s) balance falls below the minimum balance required while the preferred rate is applied, the preferred rate will be limited to one-half of one percent (0.50%) for the days your account balance is below the required minimum. Note: If your Qualifying ACH Deposit to meet the Premier Tier requirement was greater than $25.00, this transaction will also apply to the five Qualifying Credit or Debit Transactions required for the Elite Tier.
Here are the full details on the qualifying transactions:
ACH Deposit
A qualifying ACH deposit for purposes of qualifying for the Premier tier benefits of this Program means a deposit of any dollar amount to your Apple Bank Choice Checking account via ACH direct deposit. Examples of qualifying ACH direct deposits include state or federal benefits, direct deposit of pay checks etc.
Credit Transactions
A qualifying credit transaction for purposes of qualifying for the Elite tier benefits of this Program means a credit of $25.00 or more to your Apple Bank Choice Checking account from an ACH direct deposit, mobile Remote Deposit Capture (mRDC), or a transfer from an account at another financial institution (including Person-to-Person transfers (P2P), such as Zelle.) Credit transactions by any other means (e.g., ATM and/or in-person branch deposits or transfers between your accounts at Apple Bank) do not qualify as a credit transaction for purposes of meeting the eligibility criteria for the Elite tier.
Debit Transactions
A qualifying debit transaction for purposes of qualifying for the Elite tier benefits of this Program means a debit of $25.00 or more to your Apple Bank Choice Checking account and includes ACH debits, electronic bill payments, electronic funds transfers to an account at another financial institution (including Person-to-Person transfers (P2P) such as Zelle) or use of your Visa Debit Card as a method of payment for a purchase. Debit transactions by any other means (e.g., ATM and/or in-person branch withdrawals or transfers between their accounts at Apple Bank) do not qualify as a debit 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 May 18, 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 May 18, 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.