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Bank Like Tomorrow Depends On It!

Earn an amazing 4.01% APY1 on your personal checking account!
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Choice Personal Checking Account

Grow your money: Earn 4.01% APY¹, on your balance!
Bank on your terms: Access your money whenever you want while still benefitting from a great rate.
Accessible banking: No monthly service fee, no minimum balance requirement.
Convenient cash withdrawal: Debit card with access to nationwide ATM networks.

Join our Mission!

At Climate First Bank, we transform our customers' hard earned dollars into positive outcomes for communities and planet. In 2023, the Bank originated $152M in loans to mission-driven projects and companies. To date, we've also donated over $200,000 to environmental causes through our partnership with 1% for the Planet. Read more about how we bring positive impact to our communities by checking out our Impact Report.

By banking with us, you can be assured your deposits are being used to deliver positive outcomes in your community. What's more, you'll get the same service, and access to digital banking, that you'd expect from any bank.
1. To earn the published interest rate, in the first 90 days of account opening, a monthly recurring direct deposit* of $500 or more must be established. Failure to set up a recurring direct deposit within 90 days of account opening will cause the account to revert to a non-interest earning account. Your account is set up to provide monthly E-Statements. A monthly $5.00 paper statement fee will be assessed should you choose to receive a paper statement. The interest rate on the account is 3.93% with an annual percentage yield of 4.01%. Interest Rate and Annual Percentage Yield (APY) are current as of 04-09-2025, the interest rate and annual percentage yield may change. You must deposit $50.00 to open this account. There is no minimum balance required to qualify for interest. Fees may reduce earnings. New money only**.
Visit our FAQ to understand what qualifies as a direct deposit.
**New Money is defined as deposits and investments not previously held by Climate First Bank. Fees may reduce earnings.