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Checking

Regeneration Checking

Using finance to end the climate crisis in one generation.
$100 donation to Project Regeneration for every new qualifying account*
100% of interest earned on the account is donated to Project Regeneration
Free Regeneration checks
*The $100 donation will be made following the establishment of a reoccurring direct deposit totaling $750 or more within 90days of account opening.
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Pride Checking

The checking account dedicated to supporting the LGBTQ+ community.
$100 donation to LGBTQ+ nonprofit for every new qualifying account*
Bank with your preferred name and pronouns
Interest bearing checking account
Free Pride checks
*The $100 donation will be made following the establishment of a reoccurring direct deposit totaling $750 of more within 90 days of account opening.
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NetZero Checking

Good for your wallet, good for the planet.
Your every-day banking solution
No monthly service fee, no minimum balance requirement
Debit card with access to nationwide Presto and MoneyPass ATM Networks
Bank on the go with online banking, mobile banking, Apple Pay and Android Pay
Access to budget tools with Sphere Finance Manager
E-statements required or $5 for paper statement
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Impact
Checking

4.01% APY1 Checking Account.
Grow your money, earn 4.01% APY1
Access your money whenever you want while still benefitting from a great rate.
Accessible banking with full service online and mobile banking.
Bank on the go with online banking, mobile banking, Apple Pay and Android Pay
Access to budget tools with Sphere Finance Manager
E-statements required or $5 for paper statement
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.
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"It's time interest was fixed on the future.
Climate First Bank will sit at the heart of St. Pete by investing in local businesses and helping the environment."   -   Ken LaRoe

savings

Super Savings

Get the latest and greatest rate for your savings.
3.81% APY* (terms apply)
$5 monthly service fee, waived with a daily minimum balance of $200
E-statements or $5 paper statements
Tax deductible contributions (contribution limits are set by the IRS)
HSA Debit Card
Online and Mobile Banking
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Impact Money Market

Best for balances $50,000 or more!
Earn a great 4.46% APY2 on balances over $50,000!
Add funds to your account whenever you want and earn a great rate on more of your money.
Liquid funds: Withdraw money whenever you need to, with no restrictions.
2. If the daily balance is more than $49,999.99, but less than $9,999,999.01, the interest rate paid on the entire balance in the account will be 4.36% with an annual percentage yield of 4.46%. If balance falls below $49,999.99, the interest rate paid on the entire balance in the account will be 0.05% and the annual percentage yield will be 0.05%. Interest Rate and APY are current as of 04-09-2025. The interest rate and annual percentage yield are subject to change.
Tax deductible contributions (contribution limits are set by the IRS)
HSA Debit Card
Online and Mobile Banking
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Health Savings Account (HSA)

Prepare for the future and save for health related expenses.
$2.50 monthly service charge, waived with a daily minimum balance of $1,000
E-Statements required or $5 for paper statements
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Regular CD & IRA

Lock in your savings into a term of your choice for higher interest earnings.
Terms from 6 months to 60 months
Minimum opening deposit is $500
Interest is compounded daily and can be credited monthly, quarterly, or paid at maturity
Paid interest may be withdrawn without penalty or rolled over at maturity into the principal balance
Please contact us or visit a branch to open an IRA account. IRAs cannot be opened on the online portal.
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Flex CD

Earn CD interest with the flexibility that you need.
Make additional deposits in increments of $100 up to one-half of the initial principal balance
Make one withdrawal of up to one-half the initial principal balance without penalty during the original term
Increase the rate one time during the term if the bank’s rate increases
Minimum opening deposit $500
Interest is compounded daily and can be credited monthly, quarterly, or paid at maturity
Various terms available
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Youth Savings

It's never too early to start saving.
3.81% APY* (terms apply), no monthly service fee
Must be 17 years or younger. Account must include parent and/or guardian
Online account opening only available for those 13-17 years of age
Increase the rate one time during the term if the bank’s rate increases
Minimum opening deposit $500
Interest is compounded daily and can be credited monthly, quarterly, or paid at maturity
Various terms available
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features

Bill Pay

Pay a person, pay a bill, or pay yourself. Convenient, mobile, and easy.

Mobile Banking App

Bank anywhere, anytime. Available on Google Play and the Apple App Store.

Mobile Deposit

Still get paper checks? Deposit in less than 1 minute with mobile deposit.

E-Statements

We’re all about saving trees. View your banking statement online or on the app.

Alerts

Set reminders and alerts so you can focus on what’s important to you.

Finance Manager

Access to budget tools with Sphere Finance Manager.

ARE YOU READY?

divest from fossil fuels and go solar!

As the nation’s first climate-focused bank, Climate First Bank is a full-service community bank offering both personal and commercial banking services. We are proud to serve our communities as we work together to promote sustainability and reverse the climate crisis.

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