When is the merger expected to take place?

Apple and NextMark are diligently working towards a Saturday, February 1, systems conversion date. Beginning that day, all NextMark member accounts will begin to be converted over to Apple accounts. Specific account information and updates will be addressed in future communications.

What should I do now to prepare for the merger?

Continue handling your business with NextMark just as you’re used to. We would ask that you confirm that your contact information – including address, phone number and email – is up-to-date to ensure timely receipt of all merger-related communications.

We recommend logging in to NextMark Online Banking to review your transactions, linked accounts and other preferences before January 30. While we are making every effort to preserve your current transfers and payments, please confirm your account settings after February 3 to ensure everything is correct.

Will my accounts still be covered under NCUA insurance?

Once the merger is official on January 1, 2025, your accounts at both institutions will continue to receive separate federal NCUA share insurance coverage for six months. On July 1, 2025, the accounts will be considered "merged" by the NCUA and covered accordingly. For more details about share insurance, you can visit mycreditunion.gov/share-insurance.

What will happen to NextMark accounts?

All NextMark member accounts will automatically be migrated over to Apple’s comparable product and service offerings. A Transition Guide with more complete details will be provided two weeks before the merger.

I’m a member of NextMark and Apple. What will happen to my NextMark accounts?

At the time of conversion, your NextMark accounts will be moved into a new Apple FCU membership, creating a second Apple member number. We encourage you to combine your two accounts after the merger is complete by visiting any branch.

What will happen to my NextMark Member Number?

For most members, you will keep your Member Number. A small percentage of members will experience a member number change. All members will receive a letter with these details in mid-January.

What will happen to my NextMark account numbers?

A small percentage of members will experience a change to their account numbers. While every effort will be made to bring over automatic debits (i.e., gym membership, HOA dues, etc.), they may not transition to your new Apple account. Following the conversion, we recommend you update your information with any providers with whom you have recurring payments or transfers established.

What will happen with my NextMark Checking and checks?

Your NextMark Checking account will transition into a comparable Apple Checking seamlessly and without any effort on your part. If you’ve written a NextMark check within the past 18 months, we will automatically send you an initial box of Apple FCU checks by February. You will not be charged for your initial supply of Apple logo checks.

NextMark checks will be honored until Dec. 31, however, any checks presented beginning Janaury 1, 2026 will be returned. Please destroy your NextMark checks upon the arrival of your new checks. Note, NextMark check images will not appear within Apple FCU Online and Mobile App.

Will I be charged for new Apple checks?

If you’re an existing check writer (within the last 18 months), you will not be charged for your initial supply of Apple logo checks. Thereafter, fees may vary based on your account, desired design, etc.

I currently use a NextMark Debit Card. Will I receive a new one?

NextMark members who’ve used their Debit Card within the past 18 months will receive a new Apple FCU Debit Card in mid-January. Activate the Card upon receipt and set up your PIN.

You must continue to use your NextMark Debit Card through Feb. 2. On Feb. 3, your NextMark Debit Card will be deactivated; begin using your Apple Visa^® Debit Card that day.

• Recurring Debit Card payments will not automatically transition to your new Apple Visa® Debit Card. You will have to re-establish your recurring payment(s).

What happens to automatic transfers I have set up to my NextMark Checking?

Automatic deposits/withdrawals from your NextMark Checking account (e.g., daycare) should transfer to your Apple Checking account. Review your account before Jan. 30 to prepare to re-establish payment(s) using your new MICR Account Number. Visit AppleFCU.org/MICR to learn how to find this in digital banking after Feb. 3.

I use the NextMark Go app to manage my card settings. Will I still have that?

The NextMark Go app, and its related services (e.g., alerts, spending limits) will be discontinued on Feb. 3 for Debit Cards, and March 24 for Credit Cards. Features like scheduling travel notices, setting up alerts and transactions spending limits, temporarily blocking your card and more, are included within Apple FCU Online and our Mobile App.

What will happen to my Direct Deposit?

Your Direct Deposit will automatically be routed to your new Apple account without any effort on your part. Following the conversion, however, you should contact your employer to update their records with Apple’s Routing Number and your new MICR Account Number (a 14-digit number which includes your Member Number). You can find this on the bottom of your Apple FCU checks or within digital banking following the merger.

Setup or modify direct deposit easily in Apple FCU Online or Mobile App (Accounts menu > Update Direct Deposit) by searching your employer's payroll system (select providers only).

Will my NextMark username and password work with Apple's Online Banking service and Mobile App?

The vast majority of NextMark members will log in using the same Username. Those whose usernames are already in use at Apple have been notified via email with instructions on how to change it prior to January 30. Note, if usernames are not changed, members will experience a disruption in service.

For security reasons, passwords will need to be re-established at your first login. Your current password at NextMark can be reused, provided it meets security requirements.

How do I set up online account access at Apple?

Because an online profile was created during the conversion, you can avoid the longer enrollment process by simply changing your password (TIP: do not click Enroll). To log in for the first time on or about Feb. 3, simply:

1. View the Log In box on AppleFCU.org or Apple FCU App (App Store l Google Play)
2. In the Log In box, tap Forgot Password (do not click Enroll)
3. As a first-time user, you must:
   • Complete your security preferences
   • Accept Apple’s Online and Mobile Services Agreement.

Will all my NextMark preferences and transfers come over to Apple?

Every effort is being made to convert as many online preferences and transactions as possible. Because some types of transfers can include loan and mortgage payments, premiums and more, you should log in to NextMark Online Banking prior to Jan. 30, and review your existing transfers. Compile your current actions and confirm they've transferred as expected after Feb. 3. You may have to re-establish links to external accounts, like other banks and credit unions, for easy payments and transfers.

Do I need to register for eStatements again?

If you’re currently enrolled to receive NextMark e-Statements, you will be automatically enrolled to receive Apple eStatements and eNotices (e.g., Certificate maturity, Loan and Credit Card payments, tax forms) at the time of conversion. NextMark e-Statement history will be available beginning Feb. 3 for the past 6–12 months. For your records, we recommend that you save/print any earlier items prior to Jan. 31.

New eStatement enrollees will have access to NextMark statement history. When logged in, click eStatements (Settings and Support menu) to set your delivery preferences.

What happens to my Online Bill Pay service?

Current NextMark bill payer users will be converted automatically. Access to NextMark Online Bill Pay will be disabled at 12 p.m., January 30, however, all payments will be made as scheduled until you can access Apple’s Bill Pay after February 3. Both organizations use the same service provider, so all current billers, eBills and preferences should remain the same.

Bill Pay payment history for the past 6 months will transition to Apple FCU. For your records, please save/print any earlier items as desired prior to 12 p.m. on Jan. 30.

If you’re using Bill Pay to pay a NextMark credit card, you should update your card details following receipt of your new Apple FCU Visa Credit Card in February.

I use Zelle at NextMark. What happens with this service at Apple?

On January 30 at Noon, NextMark Zelle accounts will be deactivated. Any history, contacts, recurring payments, etc. will not transfer, and users will have to re-enroll after February 3. You’ll find Send Money with Zelle^® on the Pay & Transfer tab within Apple FCU Online or Mobile App to get started.

Do I need to re-enroll for Overdraft Protection privileges?

Your overdraft protection will automatically continue for any checks or recurring debits. To cover debit card and ATM transactions, you will need to opt-in to Apple’s Overdraft Privilege within Apple FCU Online or Mobile App (select Add Services from Accounts menu) after February 3.

Two notable changes:

• The Overdraft Protection limit will be $1,000 per member
• The fee charged by Apple FCU is $25 per occurrence.

I have a certificate at NextMark. What will happen to it?

Your certificate(s) will automatically transfer to Apple, keeping the same rate and term. 

What will happen to my NextMark CU Credit Card?

Apple FCU Visa^® Credit Cards will mail in February to all current NextMark cardholders. On or about Feb. 5, you should be able to view your new Card details - including expiration date and CVV - and activate it within Apple FCU Online or Mobile App (Accounts > Manage Cards). Once your physical card arrives in the mail, securely dispose of your NextMark credit card.

Because you will have all new card details (card number, expiration, CVV) you will need to reestablish any automatic payments, and update billing platforms with your new information.

Your credit card statement delivery method remains the same (eStatement or mailed), and up to 24 months of statements will be available.

I have a NextMark rewards credit card. Will my points carryover?

Yes, your outstanding points balance will transfer to your new Apple FCU Credit Card, keeping the same expiration date. So, if your points are good until June 2026 currently, that same date carries over. Any points you earn on your new Apple FCU Visa^® Credit Card are good for five (5) years.

I use the NextMark Go app to manage my card settings and make payments. Will I still have that?

The last day you can setup a payment using the NextMark Go app or within NextMark Online Banking is January 30. Other related services like alerts and spending limits will be discontinued on March 24 for Credit Cards. Features like scheduling travel notices, setting up alerts and transactions spending limits, temporarily blocking your card and more, are included within Apple FCU Online and our Mobile App.

What will happen to my current loans (auto, personal, student) and credit cards?

Your current loans will automatically transition with their existing terms and conditions to Apple Federal Credit Union on February 1. The exception would be for members with loan protection options like LoanShield; new terms and pricing will be mailed to you approximately 45 days prior to the merger. Until that time, make your payments and call NextMark with any questions as you would today.

I need a loan or credit card now. Should I call NextMark or work with Apple?

For all Auto Loans, Personal Loans, and Credit Cards, you may still apply online with NextMark until January 24. For Home Equity and Mortgage Loans, beginning December 4, you will be asked to establish an Apple FCU membership and apply directly with Apple.

What will happen to my mortgage?

There will be no change to your 1^st trust mortgage held with the Credit Union Mortgage Association (CUMA). You should continue to reach out to them directly for servicing and make payments as you do today.

Any changes to my Home Equity Loan/Line of Credit?

Your current equity loan or line of credit will automatically transition with its existing terms and conditions to Apple Federal Credit Union on February 1.

NextMark checks issued for your equity will be accepted through Dec. 31. To order new Apple FCU checks, call 703-788-4800 any time after Feb. 3.

Note: You must notify your homeowners insurance provider that the Mortgagee Clause is now Apple FCU, DEPT AFCU01 ISAO/ATIMA, P.O. Box 160, Florence, AL 35631-0160.

When will I make loan payments to Apple?

Discontinue use of your NextMark Loan Coupons once you begin receiving a Loan Billing Notice from Apple. Whichever notification method used to receive NextMark statements (mail or eStatement) will be the same method used for your Loan Billing Notice. Begin making loan payments to Apple after February 1.

• February Loan Payments: Continue to use your NextMark Loan Coupon and remit payment to Apple.
• March Loan Payments: Apple will issue your Billing Notice approximately two (2) weeks before your payment due date. Remit payment to Apple.

If you have an automatic loan transfer set up at NextMark (not through Online Banking/App), be aware that when it converts, the payment can only be transferred on the due date for the actual payment amount. If you prefer other transfer options, call 703-788-4800 or visit a branch after Feb. 3 to adjust.

• If you had a Loan or Mortgage payment set up through NextMark Online Banking, it should process as expected, but log in to verify after Feb. 3 (Pay and Transfer > Pay Loans > Pending).

How do I make a loan payment at Apple?

For loan payment options, visit AppleFCU.org/PayMyLoan. Mailed payments can be sent to:

Much like personal accounts, any NextMark business checking will transition to a comparable Apple FCU Business Account at the time of conversion. Businesses with an associated Visa Debit Card will receive new Apple FCU Business Debit Cards in mid-January. You can activate it and set your PIN upon receipt.

• You must continue to use your NextMark Debit Card through Feb. 2. On Feb. 3, your NextMark Card will be deactivated; begin using your Apple Visa® Business Debit Card that day.
• Recurring Debit Card payments will not automatically transition to your new Apple Business Debit Card. You will have to re-establish your recurring payment(s).

You can continue using your NextMark business checks until Dec. 31, however, their images will not appear within Apple FCU Online or Mobile App. Active check writers will receive a separate mailing in February with an offer for discounted check replacements. You will have until May 31 to take advantage of this offer.

What happens to automatic transfers I have set up?

Automatic deposits/withdrawals from your NextMark Business Checking account (e.g., vendor payments) will not transfer to your Apple Checking account. You will have to re-establish these payment(s) using your new MICR Account Number. Visit AppleFCU.org/MICR to learn how to find this in digital banking after Feb. 3.

Can I enroll my business for online services?

Yes, Apple FCU Online and Mobile App are tailored to small businesses for day-to-day account access. From Bill Pay to assigning trusted users with view-only access, our tools modernize the way your business banks online. Register at AppleFCU.org after Feb. 3. Learn more at AppleFCU.org/CommOLB.

Will NextMark branches remain open and have new hours?

Yes, all NextMark branch locations will remain open and begin operating under the Apple FCU brand beginning February 1. The Herrity and Government Center locations will operate under the same branch name; the Springfield Branch will be renamed Springfield Town Center, and the Fairfax Headquarters will then be known as Fairfax-Members Way.

Additionally, these branches will have new extended hours starting February 3 to align with Apple FCU branch operations:

New Hours for Fairfax-Members Way and Springfield Town Center Branches:

• Lobby Hours
• Monday-Friday: 9a.m.-5p.m.
• Saturday: 9a.m.-1p.m.
• Drive-thru Hours
• Monday-Friday: 9a.m.-6p.m.
• Saturday: 9a.m.-1p.m.

New Hours for Government Center and Herrity Branches

• Lobby Hours
• Monday: Closed
• Tuesday-Friday: 9 a.m.-1 p.m.
• Saturday: Closed

For a complete list of Apple’s extensive branch network, as well as nationwide ATMs, visit AppleFCU.org/Locations.

What is Apple's ABA Routing Number?

Apple's routing number is 256078514.

NOTE: Unless you open or currently have an account at Apple, DO NOT make changes to your routing number with other providers until after February 1.

Does Apple FCU offer scholarships to high school students?

Yes, Apple FCU provides scholarships to qualified high school seniors. For information about additional community and charitable efforts, visit AppleFCU.org/Community.