Details.
Earn up to 3.55% APY, pay no monthly maintenance fees, pay no ATM fees, and earn 1.01% APY on your checking balance. The preferred rate requires five qualifying debit or credit transactions of $25 or more per month from your Apple Bank Simple Checking Account. APYs are effective as of August 1, 2026 and may be changed by the Bank at any time. A $100 minimum deposit is required to open each account, and a minimum daily balance of $1 is required to earn the stated APY. There is no minimum daily balance requirement to maintain the accounts and no monthly maintenance fee regardless of account balance. 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 or operator during each statement cycle period.