The Card that Pays You for Spending Sustainably

Earn up to 5% cash-back automatically, on hundreds of sustainable brands and products

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Atmos Financial is a technology company, not a bank. Banking services are provided by our partner institution, Five Star Bank, Warsaw NY (Member FDIC).

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Joint Checking

Allow shared access to your account so that you and your partner can make a meaningful impact on the environment, while responsibly managing your shared expenses.

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Checking Account Features

No service fees

Our checking account comes with the exclusive benefit of zero service fees, ensuring your money stays where it belongs: in your pocket

No minimum balance

Our checking account eliminates the need for a minimum balance, empowering you to bank on your terms without restrictions or obligations.

Mobile Check Deposit

Mobile check deposits allow you to securely and conveniently deposit checks anytime, anywhere. Simply snap a photo with your smartphone, and watch your funds grow.

Fee-Free ATMs

Seamlessly access your funds wherever you go with our checking account's perk of fast, fee-free withdrawals at 55,000 AllPoint ATM locations worldwide.

Joint Checking

As you manage your finances together, rest assured that your collective impact is actively supporting sustainable initiatives, creating a greener and brighter future.

Free Fund Transfers

Instant and free fund transfers to anyone with an Atmos account, fostering seamless connections within our banking community.

Send Funds to Anyone with an Atmos Account,
Instantly and for Free
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The most inclusive cash back program on Earth, for Earth
Atmos app open on a smart phone showing cash back receivedEarn up to 5% Cash Back
Fast, fee-free withdrawals at 55,000 ATMs worldwide
Atmos Debit Card, white with gray tree rings on it with a mastercard logoFind an ATM
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Atmos Financial is a financial technology company, not a bank. Banking services are provided by our partner financial institution, Five Star Bank, Warsaw NY (Member FDIC). Please see your account agreements for more information. Lending not available in all markets.

Consumer Loans: When you first pre-qualify for a solar or electrification loan, we perform a soft credit inquiry that does not affect your credit score. If you proceed with your application and submit a formal request for credit, we do another hard credit inquiry that will impact your credit score. If you take out a loan, repayment information may be reported to the credit bureaus.

Atmos Financial is not the lender. All loans on Atmos' marketplace are made by regulated financial institutions in accordance with their approved underwriting and credit criteria.

Rates and credit requirements may differ across participating lenders. Offers may differ based on the project address due to participating lenders serving your specific location.