Privacy Notice

Here's how Apple Bank uses and protects your personal information.

Rev. August 2025

FACTS	What does Apple Bank do with your personal information?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Account balances and payment history Credit history and credit scores
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Apple Bank chooses to share; and whether you can limit this sharing.

FACTS

What does Apple Bank do with your personal information?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security number and income
Account balances and payment history
Credit history and credit scores

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Apple Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Apple Bank share?	Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes - to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	Yes
For our affiliates' everyday business purposes - information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes - information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For our non-affiliates to market to you	No	We don't share

To limit our sharing	Call toll-free (800) 742-9879 - our menu will prompt you through your choice(s), or Update Privacy Preference Online Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions	Call (914) 902-2775

To limit our sharing

Call toll-free (800) 742-9879 - our menu will prompt you through your choice(s), or
Update Privacy Preference Online

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions

Call (914) 902-2775

Who we are

Who is providing this notice?	Apple Bank

What we do

How does Apple Bank protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We authorize our employees to access your personal information only when necessary to perform their job. We also require companies that provide services for us to protect your personal information.
How does Apple Bank collect my personal information?	We collect your personal information, for example, when you: open an account make deposits or withdrawals from your account pay your bills apply for a loan use your debit card. We also collect your personal information from others, such as credit bureaus, verification services, affiliates, or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only: sharing for affiliates’ everyday business purposes -- information about your creditworthiness affiliates from using your information to market to you sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account - unless you tell us otherwise.

Definitions

Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Apple Bank does not share with affiliates.
Non-affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Apple Bank does not share with non-affiliates so they can market to you
Joint marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. Apple Bank’s joint marketing partners may include credit card companies, mortgage lenders, banks, licensed lenders and companies that provide checking account enhancement programs and benefits.

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Apple Bank does not share with affiliates.

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Apple Bank does not share with non-affiliates so they can market to you

Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

Apple Bank’s joint marketing partners may include credit card companies, mortgage lenders, banks, licensed lenders and companies that provide checking account enhancement programs and benefits.

Other Important Information

California Customers: We will not share your personal information with affiliates or joint marketing partners without providing an opportunity to opt-out and will not share your personal information with non-affiliates without your authorization.

Vermont Customers: We will not share personal information with non-affiliates without your authorization.