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When you open a Simple Checking and Simple Savings account, you will be enrolled in the Simple Banking Program. For each month that you make any combination of five qualifying debit or credit transactions of $25 or more per month from your Apple Bank Simple Checking Account, you will earn a preferred interest rate that is 0.50% higher than the current interest rate in effect for the Apple Bank Simple Savings Account. Simple Checking has no monthly maintenance fees, no ATM fees, and earns 1.01% APY on checking balances. Simple Savings earns up to 3.55% APY with the preferred rate.