Together, We Have the Power to End the Climate Crisis
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Atmos and 
Soil Centric
have teamed up to create a just and sustainable future. Smarter banking reverses global warming.
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Soil Centric
receives a donation when you open an account
Plus, Atmos will double your savings rate when you choose to donate a little extra cash fee-free each month.
Join Atmos
Atmos Accounts Maximize the Impact of Money
Climate-Positive
‍Checking Account
Earn up to 5% cash-back on your purchases at hundreds of sustainable businesses. Fee-free ATM access, 24/7 mobile and web banking. No fees.
Apply Now
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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).
Industry Leading
‍Savings Account
Manage your money with market leading rates across multiple savings accounts. Double your savings rate when you support any of the nonprofits on the Atmos platform.
Earn 3.5%
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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).
Good for Earth & Wallet
‍Solar Loans
Atmos solar loans are designed to provide you with the greatest savings and greatest flexibility so that going solar is always the right decision — for the climate, for your pocketbook, and for your community.
Learn More
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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).
Your Money is Safe
‍
Your money is FDIC insured up to $250,000 through our banking services provider, Five Star Bank: Member FDIC, and is protected by state-of-the-art encryption. Customize transaction notifications to have complete visibility over your account activity.
Check Our Partner Bank's FDIC Coverage
Banking with a Purpose
Our Collective Impact
70,102,552 lbs
Pounds of CO2e that never
entered the atmosphere
With 100% of your deposits funding clean energy projects, every dollar of your money directly fuels climate progress.
How Do We Calculate This?
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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.