The card that pays you for spending sustainably

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

An atmos card with leaves behind it. Text bubbles around it read 1.5% savings, 5% cash back, 250000 FDIC insurance, deposits fund clean energy
Hand holding an Atmos card with a stack of environmental books in the background

More benefits for you, unmatched impact for Earth

  • No monthly service fees or minimum balances
  • Unlimited fee-free ATM withdrawals at +55,000 ATMs worldwide
  • See your impact as your deposits fund the clean economy
  • Remote check deposit
  • Apple Pay / Google Pay support
  • Physical and virtual debit cards with contactless payment support
A smart phone with the Atmos app open and showing the accounts of a user

The most inclusive cash back program on Earth, for Earth

Automatically earn up to 5% cash-back with every swipe at hundreds of leading sustainable brands, products and services. From net-zero restaurants and organic farms to eco-friendly household goods and sustainable apparel, Atmos supports you to support the climate-aligned places you love. 

See Our Cash Back Partners
Atmos debit card, white with tree ring pattern, tilted to the right

Enjoy peace of mind with enhanced security features and customer service  

Your money with Atmos is FDIC-insured up to $250,000. Protect your account with two-factor authentication, mobile app security and transaction notifications to have complete control over your account. Have questions? Access our US-based customer service via chat, email, or phone.

Apply Now
A person holding a phone and smiling

Instant payments to friends

Splitting the bill or sending payments between friends, family or colleagues just got a little bit easier. Send funds to anyone with an Atmos account, instantly and for free.

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

Apply Now
ATMOS Financial logo. 3 circles with burst of light in upper right and word ATMOS.
Atmos
HomeCash-back CheckingHigh-Yielding SavingsClimate ImpactNonprofits We SupportAbout UsBlog
Connect
TwitterInstagramLinkedInFacebookPressWe're Hiring!
Support
FAQEmail UsBook 15 Min Mtg
Call Us: (866) 246-7194
LegalFees & Services
Join Atmos
Apply Nowapple app store icongoogle play store icon
Pending B Corporation Logoone percent for the planet logoThe Conservation Alliance logoCalifornia Solar and Storage Association Logo

Banking services are provided by Synapse's bank partners, Members FDIC.

* “Savings Rate” is the annual rebate Atmos pays on your deposits, similar to how a bank pays an interest yield. A Savings Rate of 2.4% assumes a monthly recurring donation to one of the available non-profit organizations supported by Atmos.
‍
1) CO2/yr saved from the atmosphere is indicative of potential impact of deposits derived from estimates of 2021 utility-scale solar installations across the country and is not necessarily indicative of Atmos funded accounts. Direct impact will be provided in application when available. 

2) CO2 equivalencies derived from this EPA GHG equivalencies calculator