Climate-Positive Savings Accounts for Individuals

FDIC insured up to $250,000 - with no fees or minimums. 100% invested in the right things.

image of customer testimonials
  • FDIC Insured up to $250,000
  • See the carbon impact of your money.
  • No Fees Ever: Absolutely no minimum balances, monthly maintenance or transaction fees.
  • Earn up to 2.4% on your entire balance with market-leading savings rates (see below)
  • Link up to 3 external accounts to easily integrate Atmos into your financial lives
  • Open multiple unique savings accounts (up to 6!) to help budget and meet your financial goals.
  • Customer service standing by to help when you need it
  • Atmos combines convenience, yield and unparalleled impact for your banking pleasure.
Join Atmos

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.



With Donation


*We will add 1.2% to your Savings Rate when you elect to make monthly recurring donations to at least one nonprofit shown on the Donate page inside your account on the Atmos website.

Your money funds clean energy

an award showing that the global footprint network recognized atmos as a top-100 solution to climate change

Atmos measures the carbon impact of your deposits, powered by a portfolio of clean energy assets. Rain or shine, while you sleep or on vacation, 100% of your money will fund innovative technologies and infrastructure that combat the global climate crisis.  

Account balance:
$0 $5,000$250,000

Saved from the atmosphere: 1

5.85 tons of CO2/yr

(The average American carbon footprint is 16 tons/yr)

Thats's equivalent to: 2

13,169 miles not driven/yr

Learn More 〉

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.

Safe for your savings, safe for the planet

Your money is FDIC insured up to $250,000 and protected by state-of-the-art encryption. Customize transaction notifications to have complete visibility over your account activity.

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. You'll get to see exactly what types of projects that your money is financing and the climate impact that it's having.

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...

How it works

1. Tell us about

  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

  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

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

Start your climate journey today - apply for an Atmos account in just 2 minutes.