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General Service

Apple Bank's ABA routing number is 226070584.

Apple Bank's SWIFT code is APPAUS33. Please provide your account number, name and Apple Bank’s routing number (226070584).
Wire transfers are processed up to 4:00 pm ET on the day they are received. Fees do apply for incoming wire transfers.
Visa purchases up to $2,500/day
POS transactions up to $1,000/day
ATM withdrawals up to $1,000/day
Checks payable to third parties are considered doubly endorsed, and require management approval. All doubly endorsed checks deposited at an ATM machine will be withdrawn from the account and returned to the account owner.
Deposited checks are subject to a funds availability schedule. Please request an “About Your Apple Bank Accounts” brochure from an Apple banker.

Bank by Mail deposits can be sent to:

Apple Bank
Depositor Services
250 West 23rd St., 2nd Floor
New York, NY 10011-2301

Yes. Learn more about our foreign currency services and please allow 2-3 business days to obtain your funds. Apple Bank will buy back currency immediately.
To establish Direct Deposit on all eligible transaction accounts, you will need to provide our ABA routing number (226070584) to the entity issuing the check.
Log in to Online Banking to obtain front and back images of paid checks. Checks paid within the previous three months will be available in the online account history. If no check number is recorded in the history, it means the payee converted the check to an ACH and no image is available. Images of checks paid within one year of the request can be obtained through your online statements.
Certain items cannot be accepted at an Apple Bank ATM, including: Treasury checks, US Savings Bond, Postal Money Orders, Western Union Money Orders, MoneyGram Money Orders, Travelers Cheques, Foreign Checks, and Image Replacement Documents (IRD) - Return checks.
Immediately call 914-902-2775 and listen for the spoken prompts to report a card lost or stolen. This service is available 24/7. Then monitor your account for unauthorized activity. If you notice anything suspicious, please immediately contact CustomerLine or visit your local branch. Learn more about Card Fraud and Identity Theft.

There are several ways to fund/make a deposit:

Online Transfer: Log in to your account online at applebank.com or on the Apple Bank Mobile App. 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 App 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. For more information visit the FAQ “What checks can I deposit at an ATM?”

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
250 West 23rd Street, 2nd Floor
New York, New York, 10011-2301

New Accounts

When you apply to open a new account, we will ask for your name, address, date of birth, Social Security number, department of motor vehicles license registration number and state, and other information that will allow us to identify you. The information requested may include non-public personal information about you and concern your property, finances or credit. Federal law requires all financial institutions to obtain, verify, and record this information to help fight the funding of terrorism and money laundering activities.
New checks and your ATM/Debit Card are ordered immediately upon opening an account. Please allow 2 weeks for the first check order to arrive and 7-10 days for your card.
There is no minimum balance to open a Simple Savings account.

You don’t need to open a checking account to accompany your Simple Savings account.

An Apple Bank Simple Savings account may be the only account you’ll need, since you have unlimited withdrawals and debit card transactions on your account and can deposit or transfer funds into your account to build your savings.

Yes, if you are a new customer. At Apple Bank, we are dedicated to neighborhood banking in our New York communities, extending from East Hampton to East Harlem and from Staten Island to upper Westchester and Rockland counties.

If you are an existing Apple Bank customer and your permanent address is in NJ, CT, PA or FL, you are eligible to apply for the Simple Savings Account online.

Have the following information on hand when you begin the application:

  • 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 ID1.

Your information is safe with us. Apple Bank uses Secure Sockets Layer (SSL) technology. This means that when you’re on our website, the data transferred between Apple Bank and you is secure.

1Note: Please provide an alternative to a military ID as we are not permitted to collect an image of this identification type online. If you don’t have an alternative, please contact us at 800-588-5871 (TDD: 800-824-0710) for assistance.

You need to make your first deposit within 30 days.

Online Banking

Select the “Enroll” link in the blue box that appears on the upper right of every website page. You’ll see a page that summarizes Online Banking features and benefits. Select the “Sign Up Now” link and follow the online steps to complete the application.
Your User ID needs to be 8-20 characters in length and may include letters, numbers or a combination of both. Do not use spaces or special characters.

Passwords are 8-32 characters in length. The Password must contain at least one letter, one number and one of these special characters: ~!`@#$%^&*()_-+={}[]|\:'<',>.?/ and space. Keep your Password confidential and in a safe place.
Select the "Forgot Password" link on the login page. This link will guide you through the steps of resetting your Password. If you need assistance, please call us at 914-902-2775. Our TDD phone number is 800-824-0710. Visit applebank.com/hours for current CustomerLine service hours.
After 120 days of inactivity, your Online Banking profile may become inactive. Please contact us at 914-902-2775 to reactivate your profile.  Our TDD phone number is 800-824-0710. Visit applebank.com/hours for current CustomerLine service hours.
Apple Bank’s Free Online Bill Pay service is easy to use, convenient, time-saving and helps you better manage your cash flow. You control when you pay your bills. Make one-time payments or schedule recurring payments. Save postage and streamline your recordkeeping. In Online Banking, select the "Bill Pay" tab, then select either "Quick Pay" or "Bill Pay Site.” Follow the prompts to add payees or make payments. Please note that you must use the full Bill Pay site to make recurring payments ("auto-pay").
The External Funds Transfer (A2A) Service is available through Online Banking. For assistance, please call us at 914-902-2775. Our TDD phone number is 800-824-0710. Visit applebank.com/hours for current CustomerLine service hours.
Standard funds transfer limits are $2,500 per completed transaction and $5,000 per calendar month. Other limits may apply.
Completed transfers are credited to the account as cash and are available immediately. Standard transfers take 3 business days to complete and are deposited into the recipient account on the third business day. A business day is any day other than a Saturday, Sunday or legal bank holiday. All transfer requests (i.e., to initiate a transfer of funds through ACH) made after 2:00 pm ET will be executed on the next business day.

You can view up to 2 years of statements for active accounts through online banking or in the Apple Bank Mobile App. Simply log in, select “Statements,” then select the account you wish to view.

To request statements older than 2 years, please send us a message through online or mobile banking or call CustomerLine at 914-902-2775. Our TDD number is 800-824-0710.

Telephone funds transfer allows you to transfer funds between eligible Apple Bank accounts. You must sign a Telephone Funds Transfer Agreement at your local branch to register for this service. You will then receive a funds transfer access code.
Yes. Our Online Banking customers are required to use a browser with one of the highest forms of encryption available for today's popular browsers. This means that information passing from your computer to our server is scrambled, making it virtually impossible for anyone to access your account information. Our system uses Multifactor Authentication, which protects against phishing, pharming and dictionary attacks, as well as keystroke-logging viruses. This system protects against online fraud by providing an additional end user authentication factor beyond the customer number and Password logons. Multifactor Authentication works by recognizing the computer terminal that you used to sign up for Online Banking. If you use another computer to log on to Online Banking, our system will recognize this and ask you to answer a series of security questions that you selected when you enrolled in Apple Bank Online Banking.

If you are unable to login to your Online Banking service, please refer to Online Banking Login Help for detailed instructions. It’s also helpful to review these common reasons why you might be having trouble logging in:

  • Incorrect User ID or Password. Be sure you are entering your case-sensitive User ID and Password correctly.
  • Pending Online Banking Registration. You can't access the system until your registration is finalized.
  • Old Page Stuck in Cache. An older version of your login page may be stuck in a special folder called a cache. Clear your cache and try again or review our Browser Compatibility Guide.
  • Problem with Web Browser Version or Settings. Make sure you are using the most updated browser version to view our site. If you're already doing that, try reinstalling the browser.
  • Problem with Modem. This service recommends using a modem speed of 28.8 or higher. However, the speed at which you actually connect to the Internet may vary. Also, performance results may vary when using cable modems due to differences in duplex technology offered by cable providers.
  • Interactive TV. Our Online Banking service does not currently support interactive TV because TV browsers may not conform to generally accepted web standards, resulting in inconsistent online sessions.
  • Enabling Cookies. In order to provide optimal security, performance and reliability, this service requires that cookies be enabled on your browser. Cookies are a small piece of information that a web server can store on your browser so the system recognizes your actions during a session

Other reasons why you are unable to log in may be due to temporary ATM network, institution or web server unavailability, or other system errors. In most cases, an error message will be displayed, with instructions as available. In these cases, please try to log in at a later time.

Finally, the Internet Service Provider (ISP) that provides your access may be experiencing an outage, peak usage, or other network problem.

If you continue to have problems, please call us at 914-902-2775. Our TDD phone number is 800-824-0710. Visit applebank.com/hours for current CustomerLine service hours.

Account alerts allow you to monitor your banking activity. Choose what alerts you get, what Apple Bank accounts you get them for and how you get them (voice message, email, text, push notification or Secure Message in Online Banking).
  • Account balances: Get alerted when your balance goes above or below an amount that you set.
  • History alerts: Be notified of debit or credit transactions above or below a certain amount or when a check you wrote clears. Want to be alerted to every debit or credit to your account? Set your alert amount to $0, and it will trigger an alert for all your transactions.
  • Transaction alerts: Get alerted when funds are transferred or stop payment orders are placed.
  • Debit Card alerts: Download our Apple Bank Debit App and get alerted when your debit card is used.  Get more details on our Debit App!
  • Reminders: Need to remember when to pay a bill?   Set up a reminder!
Log into your Online Banking account or the Mobile Banking App. Click “Alerts & Preferences” from the navigation menu. Select “Alerts.” Click “+New Alert” to set up each alert.
The choice is yours. Choose from any of these options to receive your alerts:
  • Text message: Go to Delivery Preferences (under “Alerts”) to enter the mobile number where you’d like to receive alerts.
  • Email: Go to Delivery Preferences (under “Alerts”) to enter the email where you’d like to receive alerts.
  • Push notification: A message that pops up on your mobile device. To enable push notifications, tap “Alerts & Preferences,” then “Push Notifications.”
  • Secure Message (in online banking): Go to “Messages” to find your latest alerts.
Please note: Apple Bank automatically enables some security alerts to ensure you stay up to date on important account activity.
Account alerts can help you manage your budget, stay on top of your goals and monitor any fraud attempts. Alerts can help you quickly become aware of account activity you did not authorize, so you can notify us immediately. If you do not recognize a transaction on your account, contact us at 800-216-6985 (our TDD number is 800-824-0710) so we can review your account activity with you.

These are alerts you can set up that monitor your user ID, password and login to your account. Security alerts can be helpful in detecting fraudulent attempts to access your account.

Please note: Apple Bank automatically enables some security alerts to ensure you stay up to date on important account activity.

Log into your Online Banking account or the Mobile Banking App. Click “Alerts & Preferences” from the navigation menu. Select “Alerts.” Click the sliding button next to the alert you’d like to turn off. Please note: Some security alerts cannot be disabled. This is to ensure you receive important updates related to your account security.

Safety and Security

Please report any phishing emails requesting your personal and/or account information to spoof@applebank.com
Please call our CustomerLine Department at 914-902-2775 or 800-722-6888 from outside New York. Our TDD phone number is 800-824-0710. Visit applebank.com/hours for current CustomerLine service hours.  Visit any of our convenient branches to speak with an Apple banker.  
Yes. Deposits held at Apple Bank for Savings are FDIC insured up to the maximum allowable limits

​Apple Bank today is composed of various financial institutions that merged over a long period of time. The founding bank, the Harlem Savings Bank, was originally chartered in 1863. Read more about our history as a neighborhood New York bank.

Lease Security

Collecting a tenant security deposit is not required by law, but it helps protect against non-payment of rent or damages caused by the tenant.
New York State does not specify the minimum or maximum for a security deposit, but the security deposit cannot exceed one month’s rent.
Under New York State law, when collecting tenant lease security for six or more dwelling units you must deposit the funds in an interest bearing account. (N.Y. GOL §§ 7-103(2-a))
Under New York State law, a landlord must disclose, in writing, the name and address of the bank where the security deposit is held, and the deposit amount.
Under New York law, a landlord must return the tenant's security deposit within 14 days after the tenant has surrendered the rental property to the landlord. This law does not apply to rent regulated tenants.