Personal Banking
Personal Banking

AppleValue Checking®

Apple Bank offers a variety of checking account solutions to fit your individual needs. Select the checking account that's best for you!

ExtraValue Checking

Free checking -- and we mean totally free!

  • Just $100 to open
  • No minimum balance to maintain
  • No maintenance fees
  • Free first order of personalized wallet-style checks
  • Unlimited checkwriting
  • Free ATM transactions at Apple Bank machines.

GoldValue NOW Checking®

Earn interest with a higher account balance.

  • Just $100 to open
  • Competitive market interest rate
  • Minimum balance of $2,500 to earn interest and to avoid monthly maintenance charge
  • Monthly maintenance charge waived:
    • If aggregate daily balances of $10,000 or more are maintained in other Apple Bank accounts
    • For seniors with direct deposit of Federal recurring payments, such as Social Security checks
  • Free first order of personalized checks
  • Unlimited checkwriting
  • Free ATM transactions at Apple Bank machines.

Grand Yield Advantage NOW Checking

Power checking with our highest interest-bearing account.

  • Just $100 to open
  • Highly competitive interest rate
  • Minimum daily balance of just $2,500 to earn interest and to avoid monthly maintenance charge
  • Free ATM transactions at Apple Bank machines
  • Four free non-Apple Bank ATM transactions per statement cycle*
  • Four free POS transactions per statement cycle
  • Ask a Customer Service Representative for details about linking this account to an Apple Advantage® Savings or Money Market Account to receive our highest savings rate.

BasicValue Checking®

For basic checking and limited ATM usage needs.

  • Just $10 minimum to open
  • No monthly minimum balance
  • Low $3 monthly maintenance charge
  • Unlimited number of deposits
  • Up to eight free withdrawals each month
  • Check safekeeping (paid checks will not be returned to you), with a free introductory supply of duplicate checks.

ClassValue Checking®

Free checking and other benefits for students ages 17 to 25.

  • Just $100 to open
  • No minimum balance to maintain
  • No maintenance fees
  • Free ATM transactions at Apple Bank machines
  • Two free non-Apple Bank ATM/POS transactions each month*.

Please see individual account disclosures for additional details. Please refer to our Maintenance and Service Charges brochure for related account charges. Fees may reduce earnings on interest-bearing accounts. *ATM or terminal operator surcharge may apply.

How To Manage Your Checking Account

Click here for a step-by-step guide on how checking accounts work and how to manage the money in your account.

Convenient Services

Managing your finances has never been easier!

SureLine® Personal Secured Line of Credit**

Protection and convenience in the event your account is overdrawn.

  • Eliminates the worry and hassle of bounced checks
  • Provides instant access to cash, up to your available overdraft limit
  • No credit check or financial information required
  • No finance charges until you use your line of credit.

**SureLine is secured by funds in your Apple Bank Savings or CD Account. Restrictions apply to loan amounts based on terms of the loans. IRA/QRP, SEP Retirement, Fiduciary, and Money Market Accounts are not eligible as collateral.

Free¬†Apple Bank Visa® Debit Card

Shop with ease for big or small purchases, and also use as an ATM card to obtain cash.

  • Offered with all Apple Bank checking accounts
  • Make purchases at millions of merchant locations worldwide
  • Pay for groceries, gas, and even monthly bills
  • Transactions are automatically deducted from your account
  • Transactions appear on your monthly statement for easy recordkeeping
  • May also be used as an ATM card to obtain cash
  • Visa offers zero liability*** in cases of card fraud, theft or unauthorized card purchases when you sign for purchases.

***U.S. issued cards only.  VISA's Zero Liability policy does not apply to commercial cards, ATM transactions or to PIN transactions not processed by Visa. See your Cardholder Agreement for details.

Electronic Banking Services

Bank at your convenience.

  • Free Online Banking and Bill Pay**** 24/7 at
  • 24/7 Free ATM Banking at any Apple Bank ATM
  • 24/7 Free Telephone Banking in English and Spanish at 1-914-902-APPLe (2775)
  • CustomerLine agent service Monday through Friday, 8:30am to 6:00pm ET, at 1-914-902-APPLe (2775).

****Fees apply for Bill Pay services.

Direct Deposit

Save time and enjoy convenience.

  • As a customer of Apple Bank, you may have payroll, Social Security or other recurring payments deposited directly into your account automatically.
  • Visit one of our convenient branch locations to apply.
  • An Electronic Transfer Account (ETA), sponsored by the Department of the Treasury for direct deposit of Federal benefit/salary payments, is also available. Ask a Customer Service Representative for details.

Automatic Funds Transfer

Saving has never been so easy.

  • Grow your savings account by arranging for a specific amount to be transferred from your checking to your savings each month.
  • Ask a Customer Service Representative for details.

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