Fees & Rates

Updated April 01, 2025

We’ve made our pricing simple to understand, so if we do have to charge for something, it won’t come as a surprise. Atmos accounts are free to open, and free to maintain. You can learn more about our fees and rates below.

Man in suit banking with Atmos on a laptop, woman dressed casually banking with Atmos on mobile.
General Banking Services
Fees / Rates
Account Opening Fees
None
Minimum Account Balance
None
Monthly Maintenance Fees
None
ACH (Incoming)
Free
ACH (Outgoing)
Free
Domestic Wires (Incoming)
Free
Domestic Wires (Outgoing)
Free
International Wires (Incoming)
Free
International Wires (Outgoing)
Not Available Yet
Nonprofit Donation Services*
Fees /Amounts
Reoccuring Monthly Donations
Free
One Time Donations
Free
Customer Donation Tracking
Free

A Closer Look at Savings Rates

Personal Accounts
Savings Rates
Savings l (without a Qualifying Donation setting)
0.00%
Savings ll (with a Qualifying Donation setting) ***
0.00%
Business Accounts
Savings Rates
Aggregate balance less than $100,000
0.00%
Aggregate balance equal to or greater than $100,000 but less than $250,000
0.00%
Aggregate balance equal to or greater than $250,000 but less than $1 million
0.00%
Aggregate balance equal to or greater than $1 million
0.00%
All rates stated above are accurate as of today's date. This is a variable rate account. Rates may change after the account is opened.

* Atmos does not charge a processing fee on any customer nonprofit donations. Your chosen nonprofit will receive 100% of your generous and extremely important gift.

** Atmos provides all customers a ledger of monthly, annual, and lifetime donations to its participating nonprofit organizations. Customers may use this information for tax purposes. Atmos does not provide tax services.

***(Savings II) by successfully setting up a Qualifying Donation from a savings account, which can be done within the digital banking portal. Your Eligible Savings Rate is based on your account and donation settings at the end of each month.

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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.