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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.
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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Our Osaic Financial Consultants at ABS Associates of New York, Inc., a wholly-owned subsidiary of Apple Bank, take time to listen to your needs and goals. They then work with some of the most respected and highly-rated companies to guide you toward the right investments and insurance policies for you and your family. Working together, we’ll help you create a roadmap that can lead to a more secure and comfortable future.
Investment and insurance products and services are offered through OSAIC INSTITUTIONS, INC. (“Osaic”), Member FINRA / SIPC. Apple Bank has entered into an arrangement with Osaic to provide insurance, brokerage, and investment advisory services to customers. ABS Associates is a trade name and does not refer to a separate entity. Osaic is not affiliated with either entity. Products and services made available through Osaic are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.
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