Good idea but unstable and somewhat limiting I moved from Chase to Atmos to divest from fossil fuels. While I appreciate that Atmos is a B Corp investing in renewable energy and partners with many environmental groups, with high savings interest rate, my user experience of Atmos isn't so smooth because it's new. It has upgraded its backend bank at least twice in the past year, most recently to Five Star Bank, which changed my account number, not so long after I signed up. This caused a lot of trouble when my automatic payments got rejected as I can't remember to change all of them, and it hasn't been that long since I went through that turmoil after switching from Chase. Furthermore, not working with Zelle, not accepting cash deposit, and not having a checkbook have caused some awkward situations, though I managed to work around. The limit to cash deposit has been kind of annoying when I have to mobil deposit my paycheck the first month after changing my direct deposit. During the transition to Five Star Bank, mobile deposit isn't working. I haven't lost my patience with Atmos yet, as the instability of a new service is understandable. We'll see how it goes after it moves to Five Star Bank. Hopefully it goes well. The frustration kind of makes me regret not switching to Amalgamated instead, which is very mature and stable.

Feeling Good About What My Money Does Opening an account at Atmos Financial is very easy. Most importantly it feels so good to know that my money isn't being used to build oil pipelines that violate the rights of Native people, threaten to pollute freshwater supplies or prolong our dependence on fossil fuels. I want my money invested in projects that are climate positive.

What more could you want from a bank. What a great bank. Points for - Friendly and efficient customer service. Instant replies on the online chat, quick turnaround via email. Yet to phone, there is no need for these two communication options. - Security checks at each step to provide peace of mind. - Clear and easy-to-use app and website. - Decent savings rate with a minimum monthly donation. Waiting for the joint account option to open another account.

Atmos is legit through and through Atmos is legit through and through. They’re the only bank I could find that actually exclusively supports clean energy and reversing climate change. Super customer service.

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.