Enjoy more time for
what matters most.

A Simple Checking account simplifies
your banking – no monthly maintenance
fee, no minimum balance, no fine print.

Open An Account

Checking

Everything you need in a New York bank checking account starts right here.

When it comes to your checking account, you want to manage your money your way. Whether it’s free checking with no monthly fee, an interest-bearing account with a great rate, free student checking with perks or a back-to-basics checking account, we have the choice that’s right for you.

Enjoy convenience with the Apple Bank Visa® Debit Card
Free and unlimited domestic POS transactions on accounts
Manage money 24/7 with Free Online Banking and Mobile Banking App*
Sign up for Mobile Remote Deposit
Get convenient direct deposit for recurring payment checks

Select the checking account that fits your needs.  All checking accounts include free Direct Deposit, free Apple Bank Visa® Debit Card, free Online Banking and Bill Pay, free Mobile App*, free Mobile Deposit* and free first order of personalized checks.

 

 

  Simple Checking ExtraValue Checking GoldValue NOW Checking® BasicValue Checking®
ClassValue Checking® for Students Ages 14 to 25 
  Make An
Appointment
Make An
Appointment
Make An
Appointment
Make An
Appointment
Minimum to open $0 $100 $100 $10 $100
Minimum balance  or other requirement to avoid monthly maintenance fee None None

$1,000 minimum daily
balance to avoid monthly maintenance fee, OR $10,000 minimum aggregate daily balances, OR Direct Deposit

None None
Monthly maintenance fee None None $10, if minimum daily balance is under $1,000 $3 per month None
Earns interest

Yes, with $1 minimum
daily balance
See Rates

No

Yes, with $1,000 minimum daily balance
See Rates

No No
Free transactions at Apple Bank ATMs Yes Yes Yes Yes Yes
Free domestic non-Apple Bank ATM transactions Yes - Free and Unlimited

Apple Bank will reimburse the surcharges imposed by the ATM operators during each statement cycle period.***
 
No - $2 per transaction No - $2 per transaction

No - $2 per transaction

Yes** - Free and Unlimited

First four non-Apple ATM fees reimbursed per statement cycle period.***
 
Free domestic Point-of-Sale (POS) transactions Yes - Free and Unlimited Yes - Free and Unlimited Yes - Free and Unlimited Yes - Free and Unlimited Yes - Free and Unlimited 
Best for...
  • Active ATM users
  • Consumers seeking free checking with no monthly maintenance fee
  • Consumers seeking a competitive interest rate
  • Accounts with fluctuating balances
  • Consumers seeking free checking with no monthly maintenance fee
  • Limited users of non-Apple ATMs
  • Limited users of non-Apple ATMs
  • Heavy debit card users who make purchases with their card
  • Consumers seeking an interest-bearing checking account 
  • Basic checking needs, low balance accounts
  • Limited ATM users
  • Heavy debit card users who make purchases with their card
  • Students ages 14 to 25 seeking free checking with no monthly maintenance fee
  • Active ATM users
  • Heavy debit card users who make purchases with their card

*Data fees from your mobile carrier may apply.
**ATM or terminal operator surcharge may apply.
***Includes both domestic and international ATM and other terminal operators.