Checking at a Glance
Find the best checking account for your needs by comparing features and benefits.
Compare our most popular checking accounts or select other options.
Explore the other great benefits of all Apple Bank checking accounts.
Apple Bank Visa® Debit Card
Use your Apple Bank debit card anywhere that accepts Visa® in stores or online. Zero-liability8 for unauthorized transactions.
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.
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 Visa® Debit Card to your digital wallets (Apple Pay®, Google Pay™ and Venmo, among others) to make on-the-go purchases faster and more securely.
Send Money with Zelle®9
Pay rent, split bills or payback friends. Send money to people and businesses in real time.
Rest easily knowing 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
1 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”.
2 A minimum daily balance of $2,500.00, or any ACH Deposit, or enrollment in paperless statements for the Choice Checking account is required to avoid a $10.00 monthly maintenance fee.
3 Annual Percentage Yields (APYs) disclosed are effective as of June 1, 2026 for the Simple Checking account 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. A $100.00 minimum deposit is required to open the Simple Checking account. You must maintain a minimum daily balance of $1.00 in your account each day to earn the stated APY. There is no minimum daily balance requirement to maintain the account and no monthly maintenance fee regardless of account balance.
4 Annual Percentage Yields (APYs) disclosed are 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 Choice Checking account. You must maintain a minimum daily balance of $2,500.00 in your account each day to earn the stated APY.  A minimum daily balance of $2,500.00, or any ACH Deposit, or enrollment in paperless statements for the Choice Checking account is required to avoid a $10.00 monthly maintenance fee. Fees may reduce earnings.
5 There are no fees when using non-Apple Bank domestic and international ATMs, and Apple Bank will reimburse all surcharges imposed by the ATM owner/operator during each statement cycle period. There are no fees for domestic and international Point-of-Sale Transactions when using an Apple Bank Visa® Debit Card.
6 ATM or terminal operator surcharge may apply.
7 Teenagers ages 13 through 17 are eligible to request an Apple Bank Visa®â€¯Debit Card for this account where the account is joint with a parent or guardian.
8 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.
9 U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.
Zelle®â€¯and the Zelle®â€¯related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Apple, Apple Pay® and App Store are registered trademarks of Apple Inc. Android, Google Play and Google Pay™ are trademarks of Google LLC.
Venmo is a registered trademark of PayPal, Inc.