Fees & Rates

Updated December 27th 2023

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.

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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)
1.75%
Savings ll (with a Qualifying Donation setting) ***
3.5%
Business Accounts
Savings Rates
Aggregate balance less than $100,000
2.75%
Aggregate balance equal to or greater than $100,000 but less than $250,000
3.00%
Aggregate balance equal to or greater than $250,000 but less than $1 million
3.25%
Aggregate balance equal to or greater than $1 million
4.00%
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 institution, Five Star Bank, Warsaw NY (Member FDIC). Please see your account agreements for more information. Lending not available in all markets.‍

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