Value-based banking I’ve been using Atmos since it was in beta and I highly recommend it! I love their mission and values; it feels good to put my money where my mouth is.

Issues w Accessibility, Limits, Cards A couple of weeks ago Atmos cancelled my debit card when I was trying to buy gas. I was confused initially but then rec'd a VM from their customer support saying the card info was "compromised on the Dark Web" and cancelled for my safety. Ok, not great, but they did have a "virtual debit card" that I could implement on my phone using the app. However, I was unable to withdraw cash since most ATM's around here require a physical card and the 'tap' feature is somewhat rare. I received a new card a few days ago, went to activate it via the phone tree, sounded like it worked, but then I find the new card isn't listed on my Atmos account. Also, there was some sort of bank migration that was taking place as my compromised card was being shipped, and now I'm being asked to request another new card, with another 2 week delay expected, and this time no virtual card. I left a message with their VM, no response yet. There was also the issue of transaction/card limits. A few months ago, I was requested to "verify" some information so they could raise my limits. Okay, I played along, but the final piece to raise my limits was some sort of phone interview they wanted me to complete. I didn't have the time (or really interest) to engage with the additional request for a phone interview, my limits stayed the same, and now they've migrated to a new bank it doesn't look like my "verification" is recorded on the website any longer, and there's no option of raising the limits. This is unfortunate because it very much restricts what sort of purchases I am able to make with my account. Overall I really like the ethos/mission of Atmos bank and the savings interest rate is excellent, but the accessibility factor and customer support are horrifying. Customer support is very courteous but between the issues with my card(s) and transaction limits, I'm starting to look around. -- update: 08/03/2023 -- Ravi (the CS rep that worked to restore my card/account service) did a great job getting my account back up and running. I'm looking forward to the improvements Atmos will be bringing to their customers through their new partnership with Five Star Bank.

Terrible Bank Please refer to my other review. They finally reimplemented their mobile check deposits. It is no different. They continue to reject checks with no explanation, charge a chargeback fee, and let you scramble. These hacks are horrible.

Highly recommend Atmos! Atmos Financial gives me peace of mind knowing that each dollar I have deposited with them is being leveraged to help finance green projects, such as loans for solar adoption. Their relatively high interest rate is a bonus, and their authentication security gives me comfort and trust. Highly recommend Atmos!

Love banking with Atmos Have loved banking with Atmos so far. Great features like nonprofit donations and tons of carbon saved. On top of it all, I know my money is being used to fund climate positive projects and working to reverse climate change. This feels like the future of banking. Highly recommend!