Choice Checking Account

High-yield checking that travels anywhere.
Earn a high-yield APY1 and use your debit card anywhere in the world for free - we'll pay the fees.2

Explore the benefits of an Apple Bank Choice Checking Account.

Earn 2.00% APY1

Earn interest on the balances you maintain in your checking account at a competitive rate — just like a savings account.

Enjoy no ATM fees worldwide2

Spend time exploring the sights, not searching for a free ATM. Benefit from unlimited reimbursement of ATM operator surcharges at home or when traveling.

Shop with confidence

Use your Apple Bank Visa® Debit Card anywhere Visa3 is accepted, in stores or online. Zero-liability guarantee for unauthorized transactions, giving you peace of mind wherever you shop.4 

Get even more benefits with the Apple Choice Banking® Program5

The Apple Choice Banking Program is designed to provide you additional benefits as you grow  your relationship with Apple Bank and for the transactions you make every day.

Premier Tier

Choice Checking Account Only

Open a Choice Checking Account, and meet eligibility requirements each month through everyday banking—such as receiving your  statement electronically or setting up direct deposit, to enjoy hassle free banking and waived monthly maintenance fees.

What you get:
  • Earn 2.00% APY1 on your Choice Checking Account
  • Waived $10 Monthly Maintenance Fee on Choice Checking Account

 

 

Be the Primary Owner of the Apple Bank Choice Checking account and meet at least one of the following criteria. 

Maintain a $2,500 minimum daily balance in your Choice Checking Account 

Or enroll in Paperless Statements 

Or, receive one Qualifying ACH Deposit5 per month

Preferred Rate

Elite Tier

Choice Checking & Choice Money Market Account

Open a Choice Money Market along with your Choice Checking account and meet the requirements each month to qualify to earn a preferred interest rate that is one-half of one percent (0.50%) higher than the current interest rate on your money market balance. 

Get the Premier Tier benefits, plus:
  • Earn up to 3.55% APY1 on your Choice Money Market Account
Choice Money Market Account Rates
Standard Interest Rate Standard APY1 Preferred Rate Preferred APY1
2.98% 3.03% 3.48% 3.55%
Meet the requirements of the Premier tier and also meet all of the following criteria 
Be the Primary or Secondary Owner of An Apple Bank Choice Money Market account 

And maintain a $2,500 minimum daily balance in your Choice Money Market accounts on the evaluation date 

And make any combination of five Qualifying Credit and/or Debit Transactions5 per month from your Choice Checking account

basic checking account with debit card

Purchase confidently with your Apple Bank Visa® Debit Card.

  • Use your Apple Bank Visa® Debit Card anywhere that accepts Visa® in stores or online.
  • Zero-liability for unauthorized transactions.4
  • Enter your PIN or simply tap your card for faster checkout.
  • Link your card to your digital wallets (Apple Pay®, Google Pay™ and Venmo, among others) to make secure, on-the-go purchases.
  • Misplace your card? No problem. Lock your debit card6 in an emergency through the digital banking app7.
  • Set up alerts that will help you monitor transactions without logging in.
  • Plus, make unlimited, fee-free Apple Bank ATM Transactions.2

Stay connected to your money with the Apple Bank Mobile App.7

No need to call or visit a branch. Get up-to-date balance and transaction information quickly without logging on via push notifications, text, or email.

Wondering how much you spend on eating out, groceries, shopping, and travel? Our Personal Financial Management tools display your recent activity at a glance so you can keep track of your spending habits and budget more easily.

You can make transfers between your Apple Bank accounts or to and from your accounts at other banks when you need to. Simply link your accounts by adding an external account and schedule transfers with ease.

Pay almost anyone quickly, easily, and securely with Bill Pay. You define the day and the amount you want to pay, and all your payments and due dates stay organized in one place.

Deposit checks without leaving the comfort of your home. If your employer pays you by check, if you receive checks for dividends or investment income, or if someone pays you via a personal check, you can simply take a photo of the check to deposit it using your mobile device.8

More great benefits of the Choice Checking Account.

Quickly Send and 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.9

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.

Get Faster 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.

Pay Conveniently with Digital Wallet

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

Manage Your Account Online with Ease

Access a copy of your statement or tax forms anytime you need them and update your contact information to stay informed of important communications from the bank.

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 for each account ownership category.

Have questions? We're here to help.

An Apple banker at your local branch is ready to assist you.

Or call: 914-902-2775  |  TDD: 800-824-0710

Choice Checking FAQs

Answers to frequently asked questions

The Choice Checking account can be opened at any of our 75+ branch locations.

The minimum amount to open this account is $100.

The minimum amount to earn interest on this account is $2,500.

Yes, there is a $10 fee if the minimum daily balance falls below $2,500. You can avoid paying a monthly fee if you have a monthly direct deposit to your account or enroll your account in electronic statements.

There are several ways you can make a deposit into your account:

  • Apple Bank branch or ATM: Visit your nearest location to make a deposit. Certain types of checks and money orders are not accepted at Apple Bank ATMs. 
  • Online Transfer: Log in to your account online at applebank.com or on the Apple Bank Mobile App.7 
    • 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.
    • You can transfer money to your account using Zelle®9.
  • Mobile check deposit8: If you haven’t already, download the Apple Bank Mobile App7 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 the form provided by your employer.
  • 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 send money to friends and family you trust with daily transaction limit of $2,000 and a monthly limit of $10,000.  If you would like to request a higher limit, please contact us at 914-902-2775 and we can evaluate if you meet the criteria for a higher limit. For more information on Zelle, visit Zelle’s FAQs.

You can deposit check(s) up to $10,000 a day through the mobile deposit service with a maximum of $25,000 a month. If you would like to request a higher limit, please contact us at 914-902-2775 and we can evaluate if you meet the criteria for a higher limit.

You can schedule a transfer to your account at another bank for up to $10,000 a day with a maximum of $10,000 a month. If you would like to request a higher limit, please contact us at 914-902-2775 and we can evaluate if you meet the criteria for a higher limit.

Apple Bank Choice Checking account requires $100.00 minimum deposit to open an account. To avoid a $10.00 monthly maintenance fee for the Choice Checking account, a minimum daily balance of $2,500.00, or one ACH Deposit, or enrollment in paperless statement is required each month. 

1Annual Percentage Yield (APY) disclosed is effective as of June 1, 2026 for the Choice Checking account and may be changed by the Bank at any time, including after account opening. Interest is earned on daily balances of $2,500.00 or more at 1.98% interest rate and 2.00% APY. A $100.00 minimum deposit is required to open the account. You must maintain a minimum daily balance of $2,500.00 in your account each day to earn the stated APY. To avoid a $10.00 monthly maintenance fee for the Choice Checking account, a minimum daily balance of $2,500.00, or one ACH Deposit, or enrollment in paperless statement is required each month. Fees may reduce earnings.

Annual Percentage Yield (APY) disclosed is effective as of June 1, 2026 for the Choice Money Market account and may be changed by the Bank at any time, including after account opening. Interest is earned on daily balances of $2,500.00 or more at the following tiers: $2,500.00-$49,999.99: 2.98% interest rate and 3.03% APY; $50,000.00 or more: 2.98% interest rate and 3.03% APY. Rates do not reflect the Apple Choice Banking® Program preferred interest rates and APYs. A $100.00 minimum deposit is required to open the account. You must maintain a minimum daily balance of $2,500.00 in your account each day to earn the stated APY. There is no minimum daily balance requirement to maintain this account and no monthly maintenance fee regardless of account balance.

2 There are no fees when using non-Apple Bank ATMs, and Apple Bank will reimburse all surcharges imposed by the ATM owner/operator during each monthly statement cycle period. There are no fees for domestic and international Point-of-Sale Transactions when using an Apple Bank Visa® Debit Card.

3 Visa is a registered trademark of Visa International Service Association and is used by the issuer pursuant to license from Visa U.S.A Inc

4 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.

5 To be enrolled in the Apple Choice Banking Program, you must be the primary owner of an Apple Bank Choice Checking account. If you have more than one Choice Checking Account or Choice Money Market account eligible to receive the stated benefit for a tier, then each account will receive that benefit. To qualify for the Elite tier benefits, you must also have one or more Apple Bank Choice Money Market accounts. 

Note: If you have more than one Apple Bank Choice Checking account, your five Qualifying Credit or Debit Transactions do not need to be conducted from the same account; all qualifying transactions across your accounts will apply toward meeting the Elite tier requirements. 

The preferred rate becomes effective the day following the monthly evaluation date and remains in effect until the next evaluation date.  

If you do not meet the qualification requirements during the monthly evaluation period, you will earn the standard rate for the Choice Money Market Account in effect on the day after the evaluation date. The Apple Choice Banking Program allows for one (1) or more Choice Checking accounts that may be linked to multiple Choice Money Market accounts for the purposes of receiving the preferred rate where qualifying criteria are met monthly. 

ACH Deposit 

An ACH deposit, for purposes of qualifying for the Premier tier benefits of this Program means a deposit of any dollar amount to your Choice Checking account via ACH direct deposit, and includes state or federal benefits, direct deposit of pay checks. 

Benefits Evaluation Period 

The benefits evaluation period is based on the statement cycle date of your Choice Checking and Choice Money Market accounts (currently last day of the month) and starts three (3) business days before the statement cycle date and ends three (3) business days before the next statement cycle date. During this period, the Bank reviews the transactions on your Choice Checking account and the balances in both your Choice Checking and Choice Money Market accounts to determine your eligibility for any applicable tier benefits. 

Qualifying Transactions 

A qualifying transaction for purposes of receiving the Elite tier benefits of this Program means a credit or debit of $25 or more in your Choice Checking account from:  an electronic (ACH) transaction such as direct deposit, bill payments, or automatic payments set up with a merchant; a transfer to or from an account at another financial institution; Person-to-Person payments (P2P), such as Zelle; or a purchase using your Visa Debit Card. Credit or Debit transactions by any other means (e.g., deposits or withdrawals at an ATM and/or in-person at a branch or transfers between your accounts at Apple Bank) do not qualify as a transaction for purposes of meeting the eligibility criteria for the Elite tier.

6 When you place a lock on your debit card, it will prevent most types of card transactions from being processed until you take action to unlock your card. However, locking your card will not stop card transactions presented as recurring transactions, transactions that occurred prior to locking the card, or the posting of refunds, reversals, or credit adjustments to your account. Locking your card is not a replacement for reporting your card lost or stolen. This feature is available on the Apple Bank Debit Card app for Apple and Android devices. Data connection required. Wireless carrier fees may apply.

7 Data fees from your mobile carrier may apply.

8 Mobile check deposits are subject to verification and to Apple Bank’s rules governing funds availability. For Apple Bank’s funds availability schedule, see the About Your Apple Bank Accounts Rules and Regulations, “Funds Availability”.

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

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

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

Google Play and Google Pay™ are trademarks of Google LLC. 

Apple, Apple Pay® and App Store are registered trademarks of Apple Inc.

Visa is a registered trademark of Visa International Service Association and is used by the issuer pursuant to license from Visa U.S.A Inc.