Climate-Positive Savings Accounts for Individuals

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FDIC Insured
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Up to 0.51%
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No Monthly Fees
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No Min. Balance
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Customer Service

Grow your carbon-negative nest egg with a high savings rate

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Join Atmos

How it works

1. Tell us about
yourself.

  We'll need some personal details like your address, contact information and social security number. Your information is highly encrypted. Apply in just 1 minute! 

2. Fund your
account.

  Fund your account to earn a higher savings rate and to love what your money can do. Link up to 3 external accounts to integrate Atmos into your financial lives.

3. Enjoy cleaner
banking.

Enjoy a straight-forward, no-fee banking experience with a twist as your FDIC-insured deposits fund climate-positive infrastructure and the energy transition.

Questions? Book a call with us
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Multiple savings accounts to meet your personal goals

Save for your next car, a down payment on a home or your grandchildren’s college fund. Whatever is on the horizon for you, meet your financial goals faster by opening up to six unique savings accounts.

Liquidity when you need it, higher rates when you don’t

Your cash is always there when you need it. When you don’t, you’ll earn one of the highest savings rates in the country. Everyone can now earn more while contributing to the climate solutions we urgently need.

Average
Account Balance
<$9,999.99
$10,000.00 - $24,999.99
>$25,000.00
Base
Savings
Rate
0.30%
0.35%
0.40%
With
Donation
Bonus*
0.41%
0.46%
0.51%

*We will add 0.11% to your Savings Rate when you elect to make monthly recurring donations to at least one nonprofit shown on the Donate page inside the app.

Building a cleaner future with your deposits

Your money won't sit in an Atmos vault. Atmos is making sure your money is a force for positive change in the world. Once we have built up a sufficient deposit base, Atmos will transform your deposits into direct action on climate change, making loans to fund the transition to the next-generation clean economy.

Like the lists below, you'll get to see exactly what types of projects that your money is financing and the climate impact that it's having. You'll never again have to question what your money is funding.Like the lists below, you'll get to see exactly what types of projects that your money is financing and the climate impact that it's having. You'll never again have to question what your money is funding.

What we will support

Renewable Energy
Regenerative Agriculture
Electric Transportation
Weather Resilience
Building Electrification
Energy Efficiency Overhauls

What we won't support

Fossil Fuel Extraction
Clean energy projects that displace Black, Indigenous, or other other Frontline Communities.
Fast Fashion Clothing
Industrial Agriculture
Industrial Livestock Production
Generic Real Estate
Everything Else...

Coming Soon: Atmos Checking

Reserve your spot in line today.

Thank you! We will email you as soon as checking is available.
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Apply for your free AtmosACTION account in just 2 min.