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Atlantic Capital Bank Review

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Atlantic Capital Bank Savings
0.07% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

Started in 2000, Atlantic Capital Bank has $3 billion in assets and deposits totaling $2 billion, making it a large bank. Atlantic Capital Bank, whose headquarters are in Chattanooga, Tennessee, lacks premium access to customer service, with no live chat or all-day service options available. It is a conventional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. Overall, Atlantic Capital Bank is a great choice and should warrant serious consideration, with a rating of 4.2 stars out of 5 from the SmartAsset experts. Atlantic Capital Bank has an array product offerings, which include savings accounts, checking accounts, money market accounts and mortgage products. Atlantic Capital Bank has a fair savings rate; other popular banks have higher rates. If you're looking for a checking account for everyday use, Atlantic Capital Bank offers an option without a monthly fee. Institutions that offer free checking as well as a high interest rate savings account are your best bet for getting the highest income from your deposits alongside convenient access to your funds.

How We Rated It

SmartAsset's Overall Rating

4.2/5
National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more

Rates

3.6
SmartAsset Average: 3.5

Atlantic Capital Bank has a savings rate of 0.07%, which is poor in comparison to the national average. Its one-year CD earns at a rate of 1.35% and the five-year CD earns at a rate of 1.50%, while its highest-yielding money market account earns at a rate of 0.09%. Given its below average savings rate, you should think about other options to earn more on your deposits.

How Atlantic Capital Bank's Savings Rates Compare

Atlantic Capital Bank Savings 0.07 National Average 0.26 Compare Offers
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Fees

4.4
SmartAsset Average: 4.4

Atlantic Capital Bank generally has low fees compared to the average U.S. bank. With no monthly fee, Atlantic Capital Bank's checking account is perfect for people who want a hassle-free checking account. For those who will need cash in a pinch, it is fair because it has an out-of-network ATM fee of $1.50, which is reasonable compared to the national average. Atlantic Capital Bank unfortunately doesn't refund out-of-network ATM fees, which means you will have to locate an Atlantic Capital Bank ATM or accept the cost of withdrawal.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee $1.50 National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

3.7
SmartAsset Average: 3.7

Atlantic Capital Bank is a brick-and-mortar bank, with 18 total branches in Georgia and Tennessee. With mobile and web apps, Atlantic Capital Bank makes mobile banking straightforward, even on the go. Atlantic Capital Bank receives fair marks from customers for its online presence. With 29 customer reviews across iOS and Android platforms, the Atlantic Capital Bank mobile app has an overall rating of 3.6 out of 5 (compared to the national average of 3.8). Atlantic Capital Bank's mobile app lets you control your accounts by reviewing monthly statements, transferring funds as well as accessing customer service. Atlantic Capital Bank gets an outstanding consumer satisfaction score based on relatively few consumer complaints reported to the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 3.6/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

5.0
SmartAsset Average: 4.8

Atlantic Capital Bank is a large bank and handles $3 billion in assets as well as deposits totaling $2 billion. Atlantic Capital Bank's Texas Ratio is 0.70%, signifying a minute probability of failure. Additionally, Atlantic Capital Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Atlantic Capital Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.07% APY $100
Checking Account 0.05% APY $2500
Certificates of Deposit
  • 12 Month: 1.35% APY
  • 24 Month: 1.50% APY
  • 36 Month: 1.50% APY
  • 48 Month: 1.50% APY
  • 60 Month: 1.50% APY
$1000 for all terms
Money Market Accounts 0.09% APY 0.09% APY $10000 $15000

Atlantic Capital Bank offers several deposit products including savings accounts, checking accounts and money market accounts that provide you with many options to manage your money. Atlantic Capital Bank does not have the best savings rate, which means you should think about taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Atlantic Capital Bank's CD rates are fair compared to the average U.S. bank.

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Find a Atlantic Capital Bank Near Me

Atlantic Capital Bank has 18 locations in the U.S.

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