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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  • FDIC Insurance up to $250,000
  • See the carbon impact of your money
  • Absolutely no minimum balances, monthly maintenance or transaction fees
  • No Fees, Ever
  • Market-leading savings rates (see below)
  • Link up to 3 external accounts to easily integrate Atmos into your financial lives
  • Customer service standing-by to help when you need it
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.

Apply in just 1 minute! 

💵
2. Fund your
account.

  There’s no minimum amount to open an account, but the faster you fund, the sooner you’ll earn interest.


Link up to 3 external accounts! 

👍
3. Enjoy cleaner banking.

Enjoy a simple banking experience while your FDIC-insured deposits exclusively fund climate-positive infrastructure.

Questions? Book a call with us
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Multiple 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, top-tier 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.

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...
Join Atmos