Important Coronavirus (COVID-19)
Updates from Apple Bank

Last updated: 09/01/20 9:00 am

Important information on Bank Operations, Branch Locations and hours

You Are Our Priority

Standing Strong Together and Serving Our Diverse Communities 
A message from Steve Bush, CEO

Apple Bank’s founding core values – meet the needs of our customers and strive to improve the quality of life in our communities – have never been more important than now. As it has done for 157 years, Apple Bank remains deeply committed to the welfare of the diverse communities that we serve, and embraces diversity, inclusion and racial equality. Over the years and especially now, we continue our commitment to support initiatives that promote economic, educational and career success for minority communities.

We are proud to report that over half of our branches serve low-to-moderate income communities. We invest in and/or engage in partnerships to promote affordable housing, lending to small businesses, economic growth, financial education, and other philanthropic initiatives. These initiatives include the Long Island Racial Equity Fund and the New York Forward Loan Fund, both of which are designed to revitalize neighborhoods, create inclusive growth and drive greater economic opportunity for minority groups. Apple Bank takes great pride in the diversity of its customers and employees, and we stand strong in our commitment to recruit minorities and provide them with a career path to access economic advancement. 

As New York City and its surrounding communities continue to recover from the pandemic, our branch staff has exercised incredible diligence in keeping our branches open and safely serving customers. At the same time, our customers have exhibited intense loyalty and patience with us during this very trying time. 

We are proud to have served thousands with their banking needs and are continuing to help customers facing financial hardship as a result of the pandemic. We have made grants to community organizations, assisted small businesses in obtaining Payroll Protection Program loans, and provided capital to Community Development Financial Institutions (CDFIs). CDFIs assist small businesses impacted by COVID-19 by providing loans and technical assistance. We have also reached out proactively to make grants to local food banks in our communities.

New Yorkers are known for their strength and resilience during challenging times. While the current environment presents unprecedented challenges, I am confident that New Yorkers’ indomitable toughness and spirit will prevail. In line with our core values, Apple Bank will support our customers and the community with continuous service in a safe environment and continue investing in our diverse neighborhoods. 

Apple Bank is here for you. We will continue to stand strong, together.
--Steve Bush
Chairman, President & CEO

Meeting Your Current Banking Needs

The safety and well-being of our customers and employees is our priority. Our branches are open to provide safe continuity of service to you as we work to resume normal operations. We observe CDC guidance and take necessary safety precautions in our branches to ensure our customers and employees can continue to bank safely.

Branch Banking Safety Protocols

Pursuant to NYS Executive Order 202.17, a mask or cloth face covering is required to enter Apple Bank branches, and we ask that customers and visitors maintain at least six feet of distance from others. 

The use of a mask or cloth face covering helps protect others in the branch or facility should you be infected, but are not showing symptoms. Children under 2 years are not required to wear a mask. Our branches are equipped with masks and hand sanitizer.

If you have a medical condition or disability preventing you from wearing a mask or cloth face covering, please let a branch representative know immediately.

Thank you for observing these precautions to help everyone stay safe.

Apple Bank Branch, ATM & CustomerLine Availability

Our branches are open to serve you. However, we may need to temporarily close certain branch/ATM locations, based on circumstances impacting those locations.

Get real-time updates on branch/ATM operations and hours.

CustomerLine agents are available.
Call 914-902-2775.
TDD number: 800-824-0710

Agents can answer your questions and assist with hardships you are facing related to COVID-19, without leaving the safety of your home. Our Digital Banking specialists can assist you with Digital Banking enrollment and/or service setup steps. 

Bank Safely at Home with Digital Banking

Access your accounts, review transactions, pay bills, deposit checks and transfer funds between Apple Bank accounts through Digital Banking. Step-by-step instructions are available in our Online Banking Guides to enroll in Digital Banking, sign up for additional features and get answers to frequently asked questions. Enroll now.

You can also download the Apple Bank Mobile App and use Mobile Remote Deposit for safe check deposits including Treasury checks. Note: The Mobile Remote Deposit service is currently available for personal accounts only.

.Apple Mobile AppGoogle Android App

Apple Bank Participates in the New York Forward Loan Fund 

Apple Bank is a participating investor in the New York Forward Loan Fund (NYFLF)*, a new economic recovery loan program supporting New York State small businesses, nonprofits, and small landlords facing COVID-19-related hardship. Read press release.
  • Determine eligibility, and begin the application process for the NY Forward Loan Fund*, by visiting  This is the only method to apply.

Assisting Customers Facing Hardship

Apple Bank always stands ready to support our customers who are experiencing hardship.
  • Savings and Money Market Accountholders: Unlimited Convenience Transfers/Withdrawals and No Excess Transaction Fees. The Federal Reserve Board has eliminated the six-per-month transfer limitations on savings and money market accounts. Apple Bank savings and money market accountholders may make unlimited transfers and withdrawals, providing easy access to funds during the pandemic. Excess Transaction fees will not be applied at this time.

  • Apple Bank Residential Mortgage Customers. If you have an Apple Bank residential mortgage being serviced by Dovenmuehle Mortgage Inc. (DMI), and are facing hardship related to the COVID-19 pandemic, please contact DMI directly at, or at 1-888-442-0023 (Domestic) or 847-550-7300 (Overseas). A Dovenmuehle specialist will work with you directly on hardship circumstances and potential forbearance options.

  • Customers with Apple Bank credit cards issued by First Bankcard®, a division of First National Bank of Omaha. If you have an Apple Bank-branded credit card, issued and serviced by First Bankcard, and are facing hardship related to the COVID-19 pandemic, please contact First Bankcard directly at, or at 1-855-550-9125. A First Bankcard specialist will work with you directly on hardship circumstances.
  • Retirement Plan Contributions and Distributions Under the CARES Act. Get answers to CARES Act retirement questions in our FAQ

Providing Answers to Your Questions

 View our Frequently Asked Questions to learn how Apple Bank is responding to questions related to the COVID-19 pandemic. Also visit the FDIC’s customer FAQ page.

Cleanliness and Prevention

Apple Bank is following Centers for Disease Control and Prevention (CDC)-recommended protocols to disinfect and prevent the spread of infection. Visit for updates and necessary precautions to reduce your risk of contracting or spreading COVID-19.

Beware of Scams

Fraudsters are constantly creating new scams, especially in times of uncertainty. Their main objective is to convince you to share your personal financial information, such as account numbers, user IDs and passwords. Be alert for suspicious emails and text messages attempting to impersonate Apple Bank, and do not respond, click links, or open attachments. Apple Bank will never contact you requesting personal or banking information via email or phone. Please forward any suspicious emails you receive that may be attempting to impersonate Apple Bank to, so we can immediately investigate them.  Read helpful tips

If you believe you were a victim of fraud, please contact us immediately at 914-902-2775 so we can assist to protect your accounts. Our TDD number is 800-824-0710.


*NY Forward Loans are subject to eligibility confirmation, underwriting review, NYFLF terms and requirements, and availability of funds.  Funds are limited.  Apple Bank and the Community Development Financial Institution (CDFI) lender participants are not affiliates. CDFI lenders will make their own, independent credit decisions, and are solely responsible for offerings, as well as the privacy, security, and accessibility standards of their websites.