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E-Apps is a web-based system that allows banks and bank holding companies supervised by the Federal Reserve System, or their representatives, to submit banking applications in a secure manner over the Internet, rather than submitting hard copy to the Federal Reserve. E-Apps saves time as it eliminates the delay experienced with mail or courier service, and you receive a confirmation of submission instantly. It also saves copying and shipping costs because multiple hard copies do not need to be submitted. E-Apps is convenient, allowing submission of an application anytime day or night from your computer. Once you are authorized to access the system, it takes less than 5 minutes to submit an average filing.