Customer Service
Customer Service

Electronic Banking

How do I register for Online Banking?
From the Apple Bank home page at, select the "Register" link.  You will be taken to a page that summarizes the features and benefits of Online Banking. Click the "Sign Up Now" button. On the next screen, complete the simple application form. After you have completed the form, click "Submit". Your registration will be forwarded to Apple Bank for processing.

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What are the guidelines to set up my User ID and Password?

Your User ID will need to be 8-20 characters in length and may include letters, numbers or a combination of both. Please do not use spaces or special characters.

Passwords are 8-32 characters in length. The password must contain at least one letter, one number and a special character from the following list: ~!`@#$%^&*()_-+={}[]|\:'<',>.?/ and space.  Keep your Password confidential and in a safe place.

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What if I don’t remember my password?
Select the Forgot Password link on the login page. This link will guide you through the steps of resetting your Password. You may also call CustomerLine at 914-902-2775 Monday through Friday from 8:30am ET to 6:00 pm ET for assistance. 

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I haven’t used online banking for a long time. What do I do?
After 120 days of inactivity, your Online Banking profile may become inactive. Please contact CustomerLine for assistance in activating the profile.

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What is the Bill Pay service?
Apple Bank’s Online Bill Pay service is easy to use, convenient, time-saving and helps you better manage your cash flow. You control when you pay your bills. Make one-time payments or schedule recurring payments. Save postage and streamline your recordkeeping. Once in Online Banking, select the "Bill Pay" tab, then the "Payee" tab. Follow the prompts to add payees or make payments.

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What is the eBills service?

eBills are electronic copies of paper bills that can be received and viewed online. Apple Bank provides access to eBills through the Bill Pay service. Once you are registered for eBills, you can view billing statements and set up automatic payments. Want to enroll? Once online, select the "Bill Pay" tab, then "eBills" and follow the prompts.

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How can I transfer funds to an account I have with another financial institution?
Apple Bank offers External Funds Transfer through the MoneyHQsm service within Online Banking. To initiate deposits and withdrawals with accounts held at other institutions (make an external transfer), you must first register for the MoneyHQ service. Click the "My Accounts" tab, then click the "MoneyHQ" tab. You will see the MoneyHQ Welcome screen. Click the "Get Started" link in any box on the Welcome screen and follow the easy registration instructions.

After registration, stay logged in to MoneyHQ. Click the "External Transfers" link to enroll and follow the online instructions.

If you need additional information at any time during your MoneyHQ or External Transfer registration process, click the Help button at the top of each page. You may also call CustomerLine for assistance, or visit your local branch.

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Are there transfer limits for External Funds Transfer?
Standard funds transfer limits are $2,000 per completed transaction and $5,000 within a 30-day rolling period. Other limits may apply.

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Are transfers available immediately?
Transfers are credited to the account as cash and are available immediately. Standard transfers take three business days to complete and are deposited into the recipient account on the third business day. A business day is any day other than a Saturday, Sunday or legal bank holiday. All transfer requests (i.e., to initiate a transfer of funds through ACH) made after 2:00 pm ET will be treated as having been received on the next business day.

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How can I retrieve past statements online?
Apple Bank maintains 12 months of statements through Online Banking. Once logged in, select the account you wish to view. "View eStatements" will be displayed towards the center of the screen. Click on the link and the available statements will be shown. Online statements include images of checks paid within the statement cycle.

To request statements going back further than the past year*, please send an in-session message with your specific request to,  or mail your request to:


Apple Bank for Savings

Attention: CustomerLine Department
1395 Northern Boulevard
Manhasset, New York 11030

*Fees may apply.

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Can I view my account activity online?

All Apple Bank account activity can be viewed through Online Banking. Apple Bank offers the Account Aggregation service as well. Users of the MoneyHQ service can also view account balances and activity from all their online financial accounts.

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What is telephone funds transfer? Do I need to register?
Telephone funds transfer allows Apple Bank depositors to transfer funds between eligible Apple Bank accounts. Depositors must sign a Telephone Funds Transfer Agreement at their local branch to enable this service. Once registered, the branch representative will code the customer profile for eligibility and a funds transfer access code will be selected.

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Is Apple Bank’s Online Banking system secure?
Our Apple Bank Online Banking System is secure. In fact, our Apple Bank Online Banking customers are required to use a browser with one of the highest forms of encryption available for today's popular browsers. This means that information passing from your computer to our server is scrambled, making it virtually impossible for anyone to access your account information. Our Apple Bank online banking system uses 'Multifactor Authentication', which protects against phishing, pharming and dictionary attacks, as well as keystroke logging viruses. This system protects against online fraud by providing an additional end user authentication 'factor' beyond the customer number and password logons. Multifactor Authentication works by recognizing the computer terminal that you used to sign up for Online Banking. If you use another computer to logon to online banking, our system will recognize this and ask you to answer a series of security questions that you had set up when initially signing up for Apple Bank Online Banking.

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I can't get into my Online Banking. What is the problem?

If you are unable to login to your Online Banking service, please review the instructions under the Trouble Logging In? link on the Apple Bank Web site home page at  You may also call CustomerLine for assistance.

Common reasons why you might have trouble logging in include:

  • Incorrect User ID or Password. Double check to be sure your User ID and Password are correct. You may also be using the wrong case for your Password or User ID. Both are case sensitive.
  • Pending Online Banking Registration.
  • Old Page Stuck in Cache. An older version of your login Web page may be stuck in a special folder called a cache. Step-by-step instructions on how to clear your cache in different browsers are available on our Web site as noted above.
  • Problem with Web Browser Version or Settings. Recommended Web browsers are listed on our Web site. If you are already using a recommended browser, you can try reinstalling the browser.
  • Problem with Modem. This service recommends using a modem speed of 28.8 or higher.  However, the speed at which you actually connect to the Internet may vary. In addition, performance results may vary when using cable modems due to differences in duplex technology offered by cable providers.
  • Interactive TV. Our Online Banking service does not currently support interactive TV because TV browsers may not conform to generally accepted Web standards, resulting in inconsistent online sessions.
  • Enabling Cookies. In order to provide optimal security, performance and reliability, this service requires that cookies be enabled on your Web browser. Cookies are a small piece of information that a Web server can store on your browser so the system recognizes your actions during a session. As noted above, our Web site provides instructions for enabling cookies based on your Web browser.

Other reasons why you are unable to login may be due to temporary ATM network, institution or Web server unavailability, or other system error. In most cases, an error message will be displayed, with instructions as available. In these cases, please try to login again at a later time.

Finally, the Internet Service Provider (ISP) that provides your access to the Internet may be experiencing an outage, peak usage, or other network problem. In most cases, when there is an ISP problem, the login page will not be displayed. In some cases, the page will be displayed and you can enter a User ID and Password and click the Log In button, but your session times out before the login can be completed.

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