About Apple Bank
Apple Bank was founded as Haarlem Savings Bank in 1863. The bank acquired a number of banks from its founding until the present, such as Emigrant Savings Bank. Apple Bank operates more than 80 branches in New York and New Jersey.
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Apple Bank Overview
Apple Bank is a small regional bank that offers a variety of bank products, such as CDs, checking, money market, and savings accounts. It does this through its more than 80 branches in New York and New Jersey. The bank offers competitive APYs on its savings and CD products.
| Competitive APY on CD and savings products. | Most Apple Bank branches are in New York and some in New Jersey. |
| There are free checking and savings accounts available. | Monthly service charges apply if certain minimum balance requirements are not met. |
| Monthly service charges can be waived. |
Apple Bank Product Offerings
CDs
A certificate of deposit (CD) is a form of savings account that pays a fixed interest rate on the money in the account for a certain period, known as a term. Apple Bank offers CDs with terms ranging from three months to five years. It offers competitive APYs that are higher than the national average of 2.42% on most of its CDs. Here are the details for some of the bank's CD offerings for the month! and 2024:
Checking Accounts
Apple Bank offers several different business and personal checking accounts. Most of the checking accounts offer APYs below the national average of 0.23% for checking accounts. Most also have no monthly service charges or charges that can be waived by meeting certain requirements. Here are the latest account details for July 2024:
Money Market Accounts
A money market account is an interest-bearing hybrid between a savings account and a checking account. Apple Bank offers several business and personal money market accounts, some of which offer APYs above the national average of 0.64%. Here are the account details for July 2024:
Savings Accounts
Apple Bank offers numerous business and personal savings accounts. All accounts either have a monthly service charge that can be waived or no monthly service charge. The yields offered are in line with those of most traditional banks and below the national average of 0.64%. Here are the latest savings account details for July 2024:
Bank Fees
Overdraft fee: $35 for overdrafts of $50 or more
Savings and Money Market Account withdrawals: $20 per excess check
Account closure fee: None
Wire transfer fee: Domestic - Incoming is $15 and outgoing is $25; International - Incoming is $15 and outgoing is $50
Non-network ATM fee: $2
Monthly service charge: $3-$25 depending on the type of account
Stop payment fee: $35
Paper statement fee: $4
Apple Bank Features
Apple Bank's customer service line is available weekdays from 8:30 a.m. to 9 p.m. EST and on weekends from 9 a.m. to 3 p.m. They also operate an automated account info line 24 hours a day, 7 days a week, for basic account functions. The bank operates more than 80 branches in New York and New Jersey. It also offers an easy-to-use mobile app that allows customers to manage their accounts and perform basic account functions.
Apple Bank FAQs
How much can you withdraw from an Apple Bank ATM?
What are Apple Bank's customer service phone hours?
Is it safe to bank with Apple Bank?
What states does Apple Bank have branches in?
Does Apple Bank use Zelle?
Does Apple Bank charge overdraft fees?
Our Take
Apple Bank may be a good bank to do business with for its savings accounts and CDs. It offers one of the best APYs on its Youth Savings account and on some of its CD accounts. It offers a wide selection of checking and savings accounts for all purposes, some of which offer competitive APYs and some of which are free to open and maintain. As Apple Bank operates mostly in New York and has a small presence in New Jersey, it may be a good option for residents of those states who like to bank in person.
Methodology
Our editorial staff continually updates the information contained on our website. Our editorial staff has analyzed virtually all of the banks and credit unions that it follows, and it does weekly rate analysis for more than 250 prominent banks and credit unions. These institutions were chosen because they provide competitive APYs, low fees, and other factors we find important. These banks and credit unions often provide accounts that are available nationally. All of these banks are FDIC-insured, and all of these credit unions are NCUA-insured. Choosing an FDIC-insured bank or an NCUA-backed credit union assures that your money is protected as long as it stays within insurance limits and requirements.