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Personal Banking

Banking Built Around You

Zero fees, instant transfers, real-time analytics and 24/7 concierge support — all in one account.

Account Types

Choose the account
that fits your life.

Every personal account comes with zero monthly fees, FDIC insurance, and full mobile access from day one.

Checking Account

Unlimited transactions, instant card freeze from your phone, real-time notifications, and zero monthly fees. The everyday account built for modern life.

Zero fees

Savings Account

High-yield savings with no minimum balance. Competitive interest rates, automated round-up savings, and full FDIC insurance up to $250,000.

High yield

Mobile Banking

Full-featured iOS and Android app with mobile check deposit, bill pay, peer transfers, and Face ID / fingerprint login.

iOS & Android

Investment Account

Stocks, ETFs, IRAs, and managed portfolios directly inside your Atlantic Capitals dashboard. Zero commission. No separate brokerage needed.

Zero commission

Home Loans

Competitive mortgage rates and personal loan products tailored to your financial profile. Fast pre-approval, flexible terms.

Fast approval

Global Transfers

Send money internationally in seconds with real exchange rates and zero hidden fees. Supports 40+ currencies.

40+ currencies
Personal banking on mobile
Why Personal Accounts

Everything in one
secure dashboard.

You shouldn’t need five different apps to manage your finances. Atlantic Capitals brings checking, savings, investments, and loans into a single, elegant interface — accessible on any device, anywhere in the world.

Open in under 2 minutesNo branch visit, no paperwork, no minimum deposit required.
Zero foreign transaction feesUse your card anywhere in the world at real exchange rates.
Dedicated personal bankerA real human available to you by phone, chat, or email 24/7.
Open Personal Account
$0Monthly Fees
$250KFDIC Coverage
<2 minAccount Setup
24/7Live Support
Get Started Free

Start Banking Smarter Today

Open your personal account in under two minutes. No paperwork, no branch visit, no minimum deposit.

Open Free Account Talk to a Banker
FDIC Insured 256-bit SSL 24/7 Support Zero Fees