Atlantic Capital Bank is where the money market accounts are at. To find out if Atlantic Capital Bank is right for you, continue reading the review below.
It seems that Atlantic Capital is best known for its tiered money market accounts since they offer a good variety of them; however, their personal checking account is also tiered based.
Checking Account Options
Atlantic Capital Bank only has one checking account, but it is offered in tiers and earns high interest rates.
Personal Checking Account
- Offers 4 checking tiers
- Minimum balances from $0–$10,000
- Consistent monthly fee of $10
- Free ATM transactions
- Eligible for Overdraft Protection
- Free Mobile Banking
- Free Mobile Deposit
Compare Checking Accounts
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Savings Account Options
Atlantic Capital Bank has one savings accounts and it is pretty standard.
Value Savings is a savings account that earns high interest rates and you can open it with $300.
There is a $3 monthly fee, but you can waive it by keeping a daily balance of $300.
Compare Savings Accounts
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Money Market Account Options
Money Market accounts allow for a higher yield and gives access to your funds with either checks or a bankcard.
Atlantic Capital Bank actually has a good variety of money market accounts that all vary in rates.
You can open this money market with $1,000.
There is a $3 monthly fee, but you can waive it by keeping a daily balance of $10.
A high-yielding interest account that will require a larger opening deposit of $10,000.
You will have to maintain a daily balance of $10,000 as well if you want to waive the monthly $15 fee.
A standard money market account that earns interest on various balances.
There is a consistent monthly fee of $10 as well unless you manage to keep the correct balance amount.
Compare Money Market Accounts
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Reasons to Bank with Atlantic Capital Bank
- Their savings and money market accounts earn a pretty high APY.
- Their personal checking account also earns competitive rates.
- They have more than one money market account and they all earn competitive rates.
- Conduct all your banking online or with the Atlantic Capital Bank mobile app.
Reasons Not to Bank with Atlantic Capital Bank
- They are only located in Georgia and Tennessee with 18 branches in total.
- Has very few general checking or savings accounts available.
- Lacking a youth, senior, health, etc. checking and savings account.
- Doesn’t offer relationship accounts.
Atlantic Capital Bank Routing Number
The routing number for Atlantic Capital Bank varies based on regions or locations. To find your routing number, check the lower left hand corner of your Atlantic Capital Bank check.
Contact Customer Service
You can reach Atlantic Capital Bank at 855-693-7422.
Their business hours are based on locations so you can also check their website for when they are open.
They also have a 24-hour automated banking service line that you can call at 800-373-0622.
How Atlantic Capital Bank Compares
- Chase Bank: Chase is one of the biggest banks in the U.S and offers just about almost everything. Compared to its other competitors, Chase offers much more checking account options.
- Discover Bank: Discover Bank is also an online nationwide bank that offers bonuses for their checking and savings accounts! You can earn cash back rewards when you open a checking account and generous bonuses for opening a savings one.
- Wells Fargo: Located throughout the US with over 5,800 branches and 13,000 ATMs. They offer a variety of deposits accounts, including accounts for teens and customers who need a second chance.
Bottom Line
If you live in Georgia or Tennessee and are more interested in investing your money into a money market account, then Atlantic Capital Bank has what you’re probably looking for.
Although they lack in checking account variety, they make up for it with high interest bearing tiered money market accounts.
All of their checking and savings account are pretty simplistic but still has some good benefits and earn high rates.
However, keep in mind that when you look for a checking or savings account be sure to look into all the fees charged. Don’t focus on the interest rate alone, but on what the account will cost you overall.
If Atlantic Capital Bank has the variety and options you’re looking for, apply today! For more options from a variety of banks, see our list of the best bank promotions!
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