Apple Bank today is comprised of various financial institutions that merged over a long period of time. The founding bank, the Harlem Savings Bank, was originally chartered in 1863. The financial reforms and modernization brought about by the Civil War encouraged the formation of many new banks at that time. Over the years, many of these institutions closed or were absorbed by other banks. Apple remains one of the few banks in business today that can trace its roots back to the Civil War era.