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Home » Personal Banking » 24/7 Access » NetBranch Online Banking

No matter where you are, we’re nearby.

With a simple click of the mouse you can review your account, apply for a loan, transfer money and so much more! NetBranch Online Banking is FREE, secure and available to all Apple Members.

  • Add a product, such as Checking, Debit Card or Money Market
  • Apply for a Loan (Auto, Home, Student, Equity) or Credit Card
  • View account balances and history, including cleared checks
  • Conduct transactions, such as stop payment, schedule transfers, etc.
  • Pay bills online with FREE eBill Payer
  • Access eStatements as well as Mortgage and Credit Card history
  • View and activate Debit Card Purchase Rewards
  • Transfer money between accounts and to other financial institutions or people
  • Reorder checks
  • Monitor spending, track goals and view balances from other financial institutions with FREE FinanceWorks™ Money Management.

Personal Money Management Software

Quicken® Users: Link your Apple account to your at-home money management system with ease. The first time you use Quicken with your Apple FCU account you may be prompted for your password or Apple FCU password. Please contact us to set this up and help ensure your account information transfers properly.
Quicken Support

All other at-home money management systems, like MS Money and Mint, do not require a password.

NetBranch Online Banking Demo
NetBranch supported browsers and operating systems

Use FREE FinanceWorks™ Money Management to manage your finances, including accounts you have at other financial institutions, without any software to install or information to download. This simplified, user-friendly system makes it easy to monitor your spending, control debt and stay on budget.

  • Track your account activity
  • View your projected cash flow from Apple and other financial institutions
  • Receive alerts and reminders
  • Analyze your spending trends, set goals and track progress
  • Track your overall net worth
  • Monitor tax deductible expenses and charitable contributions

Get Started

  1. Login to NetBranch Online Banking
  2. Select Manage Money from the menu bar.

Bank-to-Bank Transfers

Transfer money to and from your accounts* at Apple and accounts you have at OTHER financial institutions within the U.S. with private, secure Bank-to-Bank Transfers.

  • FREE transfers into Apple; transfers from Apple are only $5
  • Set one-time, recurring and scheduled transfers
  • Process transfers anywhere, 24/7
  • Review and monitor transfer activity
  • Assign a notification email reminder
Transfer Delivery Options:
  • Premium - 1 business day turnaround | Cutoff time is 8 p.m. (EST)
  • Standard - 3 business day turnaround | Cutoff time is 7 p.m. (EST)

Get Started

  1. Login to NetBranch Online Banking
  2. Select the Move Money tab and click Bank2Bank & Popmoney
  3. Complete the short registration form.

For your protection and security, we will verify your information prior to usage. You will receive your registration status by email within three (3) days from the date of on which you submit your form. The email will also contain simple instruction of your next steps.

*Must be enrolled in NetBranch Online Banking and the primary account owner of the Apple account and the account at the ‘other’ financial institution. Transfer to and from your Apple Checking, Savings or Money Market Account. Business, 401(k), IRA and international account transfers are excluded. For complete details, see terms & conditions.

Popmoney™ Person-to-Person Transfers

Popmoney is an easy, fast and secure online personal payment service that lets you send, request and receive money directly from your bank account via text or email.

Now you can request or pay your family, friends or just about anyone at all and they don’t even need to have an existing Popmoney account.

Get Started

  1. Login to NetBranch Online Banking.
  2. Select the Move Money tab and click Bank2Bank & Popmoney
  3. Follow the Popmoney prompts.

*Must be enrolled in NetBranch Online Banking and the primary or joint account owner. Use of Apple FCU’s Popmoney service and texting of funds to a mobile phone are FREE. For email transfers, a $1.25 per use fee is required. For direct deposit transfers, a $5.00 per use fee is required. Airtime and carrier fees per your contract/plan may apply for funds forwarded to any mobile phone.

Popmoney Frequently Asked Questions

Popmoney Demonstration Video

Now you can deposit checks into your Checking, Savings or Money Market account anywhere you have access to a PC and desktop scanner with Apple’s FREE Scan Deposits. It’s secure, easy and saves you from making a trip to the branch.

Once approved, funds are posted to your account. To insure that your records remain accurate, Apple recommends printing a receipt and retaining deposit documents for up to 120 days.

To Qualify for Scan Deposits you must:
  • Be enrolled in NetBranch
  • Be at least 16 years of age
  • Have been a member for at least 90 days
  • Have a valid email address on file
  • Have accounts in good standing (i.e. no negative balances (except Overdraft Privilege users in god standing) or past due Apple Loans; not had an Apple Loan write off)
  • Have no more than 3 non-sufficient fund (NSF) fees applied to your account within the past 12 months
  • Adhere to the Scan Deposit Terms and Conditions
Scan Deposit Details
Scanner Type Scanners must be TWAIN-compatible
System Requirements Windows Vista, XP or 2000 operating system and Microsoft Internet Explorer.
Macintosh Operating system that supports Mozilla and/or Safari browsers.

Additionally, a broadband or cable Internet connection and a TWAIN-compatible scanner are required. (Almost all standard scanners are TWAIN-compatible.)
Maximum daily deposit limits $10,000 per deposit
Daily deposit
cutoff time
4:00 pm ET, Monday - Friday
Funds availability Deposits successfully submitted by 4:00 pm ET, Monday - Friday, will be available the same business day.
See our Check Hold Policy for complete details.

Sign up for Scan Deposits

  1. Login to NetBranch Online Banking
  2. Select the Account Tools tab and click Scan Deposit
  3. Follow the on-screen instructions. Your enrollment will be completed within 2 business days.

Scan Deposit Disclosure
Scan Deposit Frequently Asked Questions

Scan Deposit is not available for Apple Business Accounts.
**Our policy is to make funds from your cash, check, and electronic direct deposits available to you on the same day we receive your deposit. At that time, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a Scan Deposit before closing or before 4:00pm ET on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a Scan Deposit after closing or after 4:00pm ET or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

At Apple, we strive to deliver the highest level of security to protect your personal and account information from identity theft and fraud.

NetBranch employs industry-leading security features to ensure that all of your transactions are conducted with the highest possible privacy and protection. All data is encrypted using 128-bit encryption, the strongest form available, and transferred via the Secure Sockets Layer (SSL) protocol between you and the credit union.

Apple’s sophisticated authentication process affirms that each person logging into NetBranch is a valid user and protects your account from fraudulent use. We offer the following built in safeguards:

Username and Password Requirements

NetBranch asks for your username and password every time you begin a session. Access to your account is only available when your username and your password match exactly.

Username Requirements
Password Requirements
  • Must be between 8 - 15 characters
  • Must contain one letter
  • Can contain numbers, but NOT your member number
  • Can contain special characters
  • Cannot contain any spaces
  • Must be between 8 and 20 characters
  • Must contain a combination of:
    • Letters and numbers
    • or Letters and special characters*
    • or Numbers and special characters*
  • Cannot contain your member number
  • Cannot contain any spaces
  • Cannot be a substring of the Username
Other notes about Passwords

Passwords are case-sensitive
Passwords do not expire

Password Strength Test

*Passwords cannot use following special characters:
  • ~ (tilde)
  • : (colon)
  • . (period)
  • @ (at symbol)
Limited Login Attempts

If, after several attempts you are unable to successfully login to NetBranch, you will be locked out. Select the Forgot Password prompt to reset your login information.

Limited Access Time

There is a default inactivity time limit for each NetBranch session at which time your session is automatically terminated. This built-in safeguard protects your account from unauthorized access in the event you are called away from your NetBranch session, or forget to log off at the conclusion of your session.

Enhanced Multi-Factor Authentication

When you attempt to login from a new computer, you will receive an instant, one-time access code to either a phone number or email address you provide during set-up to authenticate you as the true “owner”. Coupled with your password, this provides a more secure login process.

Similarly, when using a mobile device, you will be promoted to login using the Username and Password. Each time you login in using your mobile device, you will have to authenticate with a one-time passcode as you do for any unrecognized device. However, you can register your mobile device to avoid this authentication step in the future.

NetBranch Security Enrollment

At Apple, we strive to deliver the highest level of security to protect your personal and account information from identity theft and fraud. In order to comply with the Federal Financial Institutions Examination Council (FFIEC), all financial institutions should provide an advanced way to keep your private account information more secure.

Our new Enhanced Multi-Factor Authentication (EMFA) ensures the highest levels of security for your online transactions. The solution is designed to preserve the convenience and usability of your online banking experience while providing peace-of-mind.

Not a NetBranch Online Banking user?
Enroll Today! It’s quick, easy and FREE!