Details.
Earn 5.00% APY on savings balances from $1.01 to $10,000, pay no monthly maintenance fees, get a fee-free Visa Debit Card, and pay $0 ATM fees worldwide. The account is available to minors and young adults ages 6 through 25. The minimum daily balance to earn interest is $1.01. Balances above $10,000 earn a lower tiered rate, with the APY ranging from 5.00% to 2.87% depending on the balance. APYs are effective as of August 1, 2026 and may be changed by the Bank at any time. There is no minimum daily balance requirement to maintain the account and no monthly maintenance fee regardless of account balance. There are no fees when using non-Apple Bank ATMs, and Apple Bank will reimburse all surcharges imposed by the ATM owner or operator during each monthly statement cycle period.