Smarter banking reverses global warming

Fee-free, accessible bank accounts for all. Start your climate journey today in less than 2 minutes.
Join Atmosan award showing that the global footprint network recognized atmos as a top-100 solution to climate change
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5% Cash-Back Checking On Sustainable Brands
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10x Higher Savings Rates With
No Fees
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Funds Clean Energy To Fight Global Warming
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Earn Higher Rates By Supporting Nonprofits
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FDIC-Insured Up To $250,000 - Seriously Safe

Cash-back checking

  • Up to 5.00% cash-back on hundreds of leading sustainable brands, products and services
  • Round-up transactions to savings or non-profit orgs
  • Fee-free ATM withdrawals at 55,000+ Allpoint ATMs nationwide
  • No fees, No minimums
  • Check capture lets you deposit checks from anywhere.
  • Virtual and physical debit cards with contactless payment and Apple Pay / Google Pay support help you stay on top of your spending.

Nationally leading savings rates 

  • Earn up to 0.80% on your entire balance
  • Open multiple savings accounts (up to 6 unique accounts) to help budget and meet your financial goals.
  • No minimum balances, no-fees and no games
  • Atmos combines convenience, yield and unparalleled impact for your banking pleasure

* “Savings Rate” is the annual rebate Atmos pays on your deposits, similar to how a bank pays an interest yield. A Savings Rate of 0.80% assumes a monthly recurring donation to one of the available non-profit organizations supported by Atmos.


Your money reverses global warming

Atmos measures the carbon impact of your deposits, powered by a portfolio of clean energy assets. Rain or shine, while you sleep or on vacation, 100% of your money will fund innovative technologies and infrastructure that combat the global climate crisis.  

Account balance:
$0 $5,000$250,000


Saved from the atmosphere:

5.85 tons of CO2/yr.1

(The average American carbon footprint is 16 tons/yr – one of the highest in the world.)

Thats's equivalent to:

13,169 miles

Not driven per year2

Support climate leadership, directly from your account

Atmos makes it easier to give. Other services take a cut on your charitable giving, but our climate needs all the help we can give it. Round-up your purchases with your Atmos debit card or share a percentage of your savings rate with one or more of the most impactful organizations for the planet. All gifts are transferred fee-free and tracked in one place to make tax season a bit easier. 

See Nonprofits 〉

Safe for your savings, safe for the planet

Your money is FDIC insured up to $250,000 and protected by state-of-the-art encryption techniques. Our apps put you in the driver’s seat to gain visibility over your spending, saving and giving and include loads of unique features that are designed to protect your privacy.  

Our story

As we watched the climate crisis continue to unfold over the last couple decades we’ve felt more and more like the people running the world were going through life with their eyes closed—pretending nothing was happening. We knew the solutions existed but we couldn’t understand why they weren’t being adopted. That’s why we decided to start Atmos, a new model for climate-positive banking. Atmos is our way of using the most powerful tool in capitalism to solve the biggest challenge in human history: climate change. Join us, help turbocharge the transition to the clean economy, and a healthy, resilient planet.

—Ravi and Pete, Co-Founders

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"I never realized I could be an impact investor with my liquid cash. Thanks Atmos!"

James

Seattle, WA

"It feels great to know that my money is creating positive energy in the world AND the interest rate is better than I had been getting at my other bank."

Sharon

Manhattan Beach, CA

"Super easy process! Atmos was 1000x faster and more convenient than BofA."

Jason

Mill Valley, CA

What people are saying...

Start your climate journey today - apply for an Atmos account in just 2 minutes.

Reserve early access for your joint bank account!

Joint bank accounts are great financial tools for spouses and partners or for parents and minors. Coming soon, Atmos is bringing you more ways to use your money to reverse global warming. Join the waitlist to claim your early access sign-up bonus.

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