This account is only available in select states. What state do you live in?
Select a State New Jersey New York * Required
We'll pre-fill part of the application for a faster experience. Once enrolled, return to applebank.com to complete the application process.
Choose if you prefer to open both a Simple Savings and Simple Checking Account together or only a Simple Savings Account in order to take advantage of the Simple Banking Program.
*Annual Percentage Yields (APYs) disclosed are effective as of January 1, 2025 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 the following tiers: $1.00 - $49,999.99: 2.95% interest rate and 3.00% APY, $50,000.00 - $249,999.99: 3.19% interest rate and 3.25% APY, $250,000.00 - $999,999.99: 3.19% interest rate and 3.25% APY, $1,000,000.00 or more: 3.19% interest rate and 3.25% APY. There is a $10.00 minimum deposit required to open this account. Not available for retirement accounts.
For the Simple Checking account, interest is earned on daily balances of $1.00 or more at 1.00% interest rate and 1.01% APY. There is a $10.00 minimum to open this account. Not available for retirement accounts. **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.
***When you open a Simple Checking and Simple Savings account, you'll be enrolled in the Simple Banking program and earn an additional 0.25% on top of the current posted interest rate on your savings account balance.
Choose if you prefer to open both a Simple Checking and Simple Savings account or only a Simple Checking account in order to take advantage of the Simple Banking Program.
*Annual Percentage Yield (APY) disclosed is effective as of January 1, 2025 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 a $10.00 minimum to open this account. Not available for retirement accounts. For the Simple Savings account, interest is earned on daily balances of $1.00 or more at the following tiers: $1.00 - $49,999.99: 2.95% interest rate and 3.00% APY, 50,000.00 - $249,999.99: 3.19% interest rate and 3.25% APY, $250,000.00 - $999,999.99: 3.19% interest rate and 3.25% APY, $1,000,000.00 or more: 3.19% interest rate and 3.25% APY. There is a $10.00 minimum to open this account. Not available for retirement accounts. **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. ***When you open a Simple Checking and Simple Savings account, you'll be enrolled in the Simple Banking program and earn an additional 0.25% on top of the current posted interest rate on your savings account balance.
Choose if you prefer to open both a simple checking and simple savings account or only a simple checking account.
*Annual Percentage Yield (APY) disclosed is effective as of August 16, 2023 and may be changed by the Bank at any time, including after account opening. $10.00 minimum deposit required to open account. Offer may be withdrawn at any time without prior notice. Fees may reduce earnings.
**When you open a simple checking and simple savings account, you'll be enrolled in the simple banking program and earn an additional 0.25% on top of the current posed interest rate on your savings account balance.
**When you open a simple checking and simple savings account, you'll be enrolled in the simple banking program and earn an additional 0.25% on top of the current posted interest rate on your savings account balance.
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Zelle® should only be used with friends, family and others you trust. Why? Because you can't cancel a payment once it's been sent, if the recipient is already enrolled with Zelle®. If you send money to someone you don't know, or you do not get what you expected, you may not get your money back.
While Zelle® and cash are certainly different, both provide the recipient with fast access to the money you send. With Zelle®, money moves directly into the enrolled recipient's bank account within minutes*. And again, once you authorize a payment to be sent, you can't cancel it if the recipient is already enrolled.
If an offer sounds too good to be true, it probably is. For example, a stranger selling online concert tickets at a steep discount and insisting you pay with Zelle® may be a scam. Neither Apple Bank nor Zelle® offers a protection program for authorized payments made with Zelle®, so pay it safe. Only send money to those you personally know and trust.
Make sure you have the correct U.S. mobile phone number or email address for the person you want to send money to. When in doubt, contact the recipient to double check. If you authorize a payment to be sent to the wrong person, you may not get your money back.
If you don't know a person or aren't sure you’ll get what you paid for, consider other payment options. For example, using your credit card may be a better payment option. Many credit card companies offer built-in buyer protections for cardholders. Check the terms and conditions of your credit card to see what's offered.
*U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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