Enjoy more time for what matters most.

The Apple Bank Simple Checking is an online checking account that simplifies your banking – no monthly maintenance fee, no minimum balance, no fine print – no kidding.

The benefits of Apple Bank Simple Checking.
No monthly maintenance fees

Hold on to more of your hard-earned cash by paying no maintenance fees.

No
ATM Fees1

Save time and money.     
Get cash from any ATM that is convenient for you.

Earn
1.01% APY2

Enjoy earning interest on your checking account balance—just like a savings account! 

Stay connected to your money with the Apple Bank Mobile App.4
No need to call or visit a branch. Get up-to-date balance and transaction information quickly, whenever you need it. 
Wondering how much you spend on eating out, groceries, shopping, and travel? Our financial tools will help you keep track of your spending at a glance so can budget more easily.
Keep track of your money without logging on. Receive balance updates, debit, credit and security notifications via push messaging, text messaging, or email. 
Pay anyone you want, the amount you want, on the day you want—securely. All your payments and due dates stay organized and in one place. 
Simply snap a picture of your checks to make a deposit using your mobile device and make transfers between accounts without leaving the comfort of home.
App Store Android Google Play
Explore the other great benefits of the Apple Bank Simple Checking online checking account.
Debit image
Shop with
Confidence
Use your Apple Bank Visa® Debit Card anywhere that accepts Visa® in stores or online. Zero-liability for unauthorized transactions.5
Degree of view
Get a 360 Degree View of Your Finances

Make more informed decisions. See investments, credit cards, loans and balances for all your Apple Bank accounts and linked non-Apple Bank accounts on one dashboard.
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Money with hand
Get Easier Access to Your Funds

No need to make a trip to the bank. Receive your paycheck, tax refund and government benefits electronically with Direct Deposit.

Digital payment
Pay Conveniently with Digital Wallet

Link your Apple Bank debit card to your digital wallets (Apple Pay®6, Google Pay™6 and Vemmo, among others) to make on-the-go purchases faster and more securely.

Zelle image
Quickly Send & Receive Money with Zelle®

In as little as a few minutes, you can send money to businesses and people you know and trust. Pay rent, split bills, pay for the sitter or lawn mower, payback friends and more.7

Shield and lock
Rest Easy Knowing Your Money is Secure

The money in your checking, savings, CDs, and money market deposit accounts are protected by FDIC insurance up to $250,000 per depositor. Learn More

Have questions? We're here to help.

We have dedicated representatives ready to assist you.

Online Account Opening Assistance:  800-588-5871 Option 3
TDD: 800-824-0710

Simple Checking FAQs

Got questions? We have answers.

The Simple Checking account can only be opened online. However, once your account is open, you’ll have the convenience of being able to visit and transact at any of our branch locations.

As part of your account opening, you’ll be able to deposit up to $2,500.
 
After your account is created, you’ll need to fund your account within 30 days of account opening. You can fund your account in the following ways:

  • Make a deposit online during account opening: Select an external account (from one of your other bank accounts) to fund your Simple Checking account. A minimum deposit of $10 is required when using the External Funds Transfer option at the time of application to fund your account.   
  • Online Transfer: Log in to your account online at applebank.com or on the Apple Bank Mobile App.4 You can transfer money from another bank account in your name or from your Apple Bank account. To add a new account from another institution, go to Transfer and select Add External Account.
 

 

It’s easy to open a Simple Checking account.  Simply make sure you have the following information on hand:

·         Your personal information, including Social Security number, email address, mobile number and other personal information that will help us to identify you

·         Driver's license, passport or government-issued ID

When you’re ready, you can .

No. Apple Bank's Simple Checking account is available to new customers who reside in New York or New Jersey.

If you currently have another type of account at Apple Bank and your permanent address is in New York, New Jersey, Connecticut, Pennsylvania or Florida, you are able to apply online for the Simple Checking account.
 
There are several ways you can make a deposit to your account:
  • Online Transfer: Log in to your account online at applebank.com or on the Apple Bank Mobile App.4 You can transfer money from another bank account in your name or from your Apple Bank account. To add a new account from another institution, go to Transfer and select Add External Account.
  • Mobile check deposit: If you haven’t already, download the Apple Bank Mobile App4 on your phone and enroll in mobile check deposit. Then, you can deposit your checks by simply taking a picture. Make sure each check is properly endorsed with your signature and account number. Remember to write “For Mobile Deposit Only” on the back.
  • Direct deposit: Fill out this form and bring it to your employer.
  • Apple Bank branch or ATM: Visit your nearest location to make your first deposit. Certain types of checks and money orders are not accepted at Apple Bank ATMs. 
  • Mail your check: Make sure each check is properly endorsed with your signature and account number. Do not mail cash. Be sure to seal the envelope and mail it to us at:
Apple Bank
Depositor Services
1075 Central Park Avenue
Suite B09
Scarsdale, NY 10583-3242
You can use your Apple Bank Visa® Debit Card anywhere Visa is accepted. Visa® offers zero liability5 in cases of card fraud, theft or unauthorized card purchases.

We’re here to help! You can call us at (800) 588-5871 if you have any questions about the application process or an application you’ve submitted. You can also email us at [email protected]

The Simple Checking account has no monthly maintenance fees, and the accountholder is entitled to free and unlimited, domestic and international non-Apple Bank ATM transactions. A 2% surcharge will be applied to foreign transactions. In addition, Apple Bank will reimburse any surcharge fees imposed by non-Apple Bank ATM operators during each statement cycle period.

Yes. Deposits held at Apple Bank are FDIC insured up to the maximum allowable limits.

No, the Simple Checking account does not currently offer overdraft protection during account opening. Once your account is open, you can visit one of our branches, give us a call at 800-588-5871 (TDD: 800-824-0710), or email us at [email protected] to establish overdraft protection on the account.

As part of your application, you’ll be able to add a joint owner.

Already opened your account or need to add more than one joint owner? We’ll be able to help you with that. Contact us at (800) 588-5871 and select option 3 to speak to a specialist.

It’s simple! You will be automatically enrolled in the Simple Banking Program once you have established a Simple Checking account in addition to a Simple Savings account. Complete five qualifying credit and/or debit transactions (minimum $25 per transaction) per month, and you will be eligible to receive an interest rate that is one-quarter of one percent (0.25%) higher than the then current interest rate in effect for the Simple Savings account(s). 

Here are the full details on the qualifying transactions:

Credit Transaction: A qualifying credit transaction for purposes of this Program means a credit of $25 or more to your Simple Checking account from a direct deposit, mobile Remoted Deposit Capture (mRDC), or a transfer from an account at another financial institution (including Person-to-Person transfers (P2P), such as Zelle). Credit transactions by any other means (e.g., ATM and/or in-person branch deposits or transfers between your accounts at Apple Bank) do not qualify as a credit transaction for purposes of meeting the eligibility criteria stated above.

Debit Transaction: A qualifying debit transaction for purposes of this Program means a debit of $25 or more from your Simple Checking account and includes ACH debits, electronic bill payments, electronic funds transfers to an account at another financial institution (including Person-to-Person transfers (P2P), such as Zelle) or use of your Visa Debit Card as a method of payment for a purchase. Debit transactions by any other means (e.g., ATM and/or in-person branch withdrawals or transfers between your accounts at Apple Bank) do not qualify as debit transactions for purposes of meeting the eligibility criteria stated above.

No worries. If you don’t qualify for the preferred interest rate, you’ll still receive the current intererst rate on the Simple Savings account in effect on the day after the evaluation date. And, just because you didn’t qualify for the preferred interest rate this month, simply conduct 5 qualified transactions during the next evaluating period - your account is evaluated every month.  Log in to your account and click on account details to see the rate you’re earning.  
Here are the full details on the qualifying transactions:

Credit Transaction: A qualifying credit transaction for purposes of this Program means a credit of $25 or more to your Simple Checking account from a direct deposit, mobile Remoted Deposit Capture (mRDC), or a transfer from an account at another financial institution (including Person-to-Person transfers (P2P), such as Zelle). Credit transactions by any other means (e.g., ATM and/or in-person branch deposits or transfers between your accounts at Apple Bank) do not qualify as a credit transaction for purposes of meeting the eligibility criteria stated above.

Debit Transaction: A qualifying debit transaction for purposes of this Program means a debit of $25 or more from your Simple Checking account and includes ACH debits, electronic bill payments, electronic funds transfers to an account at another financial institution (including Person-to-Person transfers (P2P), such as Zelle) or use of your Visa Debit Card as a method of payment for a purchase. Debit transactions by any other means (e.g., ATM and/or in-person branch withdrawals or transfers between your accounts at Apple Bank) do not qualify as debit transactions for purposes of meeting the eligibility criteria stated above.

1There is no fee for using your Apple Bank Visa Debit Card to make cash withdrawals at domestic non-Apple Bank ATMs or international ATMs. A 2% surcharge will be applied to foreign transactions. In addition, Apple Bank will reimburse ATM surcharge fees charged by the ATM owner/operator during each statement cycle period.

2Annual Percentage Yield (APY) disclosed is effective as of March 18, 2024 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. There is no minimum deposit amount required to open or maintain this account. A minimum deposit of $10.00 is required when using the External Funds Transfer option at the time of application to fund your account.   

3You will be automatically enrolled in the Simple Banking Program once you have established a Simple Checking account (anchor account) in addition to your existing Simple Savings account (benefit account). Customers meeting the monthly transaction requirements will be eligible to receive a rate that is one-quarter of one percent (0.25%) higher (preferred rate) than the then current interest rate in effect for the Simple Savings Account(s). The Primary owner of the Simple Checking account must be with a Primary or Secondary owner of the Simple Savings Account (benefit account) and complete five (5) qualifying credit and/or debit transactions (minimum $25.00 per transaction) per month for the account to be eligible to receive the preferred interest rate. If you do not meet the qualification requirements in any monthly evaluation period, the preferred interest rate will be reduced to the then current Simple Savings interest rate in effect on the day after evaluation date. The Simple Banking Program allows for one (1) Simple Checking account which may be linked to multiple Simple Savings accounts for the purpose of receiving the preferred interest rate when the required activity in your Simple Checking account is met.

4​Data fees from your mobile carrier may apply.

5​U.S. issued cards only.  Visa’s Zero Liability policy does not apply to ATM transactions or PIN transactions not processed by Visa.  See your Cardholder Agreement for details.

6Apple and App Store are registered trademarks of Apple Inc. Android and Google Play are trademarks of Google LLC.​

7U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.